Repay HoldingsSTU:0YR +11.68%66 Debt-to-EBITDA is 4.68 as of Mar. 2026, which is 167% above its 10-year median of 1.75. GuruFocus rates STU:0YR with a GF Score™ of 66/100 and a GF Value™ of €7.94. The stock has 3 warning signs investors should review. Among 1,702 Software companies, Repay Holdings ranks worse than 58754.35% on this metric.
Debt-to-EBITDA measures a company's ability to pay off its debt.
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt. According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
The historical rank and industry rank for Repay Holdings's Debt-to-EBITDA or its related term are showing as below:
STU:0YR'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: -37.52 Med: 1.75 Max: 10.51
Current: -2.51
During the past 9 years, the highest Debt-to-EBITDA Ratio of Repay Holdings was 10.51. The lowest was -37.52. And the median was 1.75.
STU:0YR's Debt-to-EBITDA is ranked worse than 100% of 1702
companies
in the Software industry
Industry Median: 1.095
vs STU:0YR: -2.51
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt.
According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
Repay Holdings Debt-to-EBITDA Related Terms
Repay Holdings Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for Repay Holdings's Debt-to-EBITDA can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
STU:0YR vs ARQQ, TLS, XNET: Debt-to-EBITDA Comparison
For the Software - Infrastructure subindustry, Repay Holdings's Debt-to-EBITDA, along with its competitors' market caps and Debt-to-EBITDA data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Repay Holdings Debt-to-EBITDA vs Software Industry
For the Software industry and Technology sector, Repay Holdings's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Repay Holdings's Debt-to-EBITDA falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
In the calculation of annual Debt-to-EBITDA, the EBITDA of the last fiscal year is used. In calculating the annualized quarterly data,
the EBITDA data used here is four times the quarterly (Mar. 2026) EBITDA data.
Repay Holdings (STU:0YR) has a Debt-to-EBITDA of 4.68 as of Mar. 2026. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Repay Holdings. This is 167% above median its historical median of 1.75. According to the industry distribution chart, Repay Holdings ranks #999999 out of 1702 companies in the Software industry.
Is Repay Holdings' Debt-to-EBITDA too high?
Repay Holdings' current Debt-to-EBITDA of 4.68 is 167% above median its 10-year median of 1.75. The Software industry median Debt-to-EBITDA is 1.10. Repay Holdings' value of 4.68 is 327.4% above this industry median. Based on the distribution chart, Repay Holdings ranks #999999 out of 1702 companies in the Software industry, which is in the bottom quartile relative to peers. Overall, Repay Holdings has a GF Score™ of 66/100, reflecting its overall financial health beyond just this single metric.
How does Repay Holdings' Debt-to-EBITDA compare to ARQQ and TLS?
According to the Software industry distribution chart, Repay Holdings ranks #999999 out of 1702 companies for Debt-to-EBITDA. This places Repay Holdings in the lower half of its industry. The industry median Debt-to-EBITDA is 1.10. Repay Holdings' value of 4.68 is 327.4% above this benchmark. While the company's 10-year median is 1.75 vs. the industry median of 1.10, Repay Holdings has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-EBITDA for a Software company?
The median Debt-to-EBITDA among Software companies is 1.10, based on 1,702 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Repay Holdings's current Debt-to-EBITDA of 4.68 is 327.4% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-EBITDA mean?
A high Debt-to-EBITDA can signal that a stock is expensive relative to its fundamentals. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Repay Holdings. For the Software industry, the median Debt-to-EBITDA is 1.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Repay Holdings's current Debt-to-EBITDA is 4.68, which is 167% above median its own 10-year median of 1.75. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Repay Holdings stock overvalued right now?
Repay Holdings (STU:0YR) has a current Debt-to-EBITDA of 4.68. The stock's GF Value™ is €7.94, compared to a current price of €3.06 — trading 61.5% below its estimated fair value. The current Debt-to-EBITDA is 4.68, which is 167% above median its 10-year median of 1.75 and 327.4% above the Software industry median of 1.10. Repay Holdings' overall GF Score™ is 66/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-EBITDA calculated?
Debt-to-EBITDA is calculated from a company's financial statements. For Repay Holdings (STU:0YR), the current Debt-to-EBITDA is 4.68 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Repay Holdings (STU:0YR) Overvalued in 2026?
Based on GuruFocus' analysis, Repay Holdings stock appears to be undervalued.
The current stock price of €3.06 is trading 61.5% below its estimated GF Value™ of €7.94.
Key valuation signals for STU:0YR:
Debt-to-EBITDA: 4.68 (167% above median its 10-year median of 1.75)
GF Value™: €7.94 vs. price of €3.06 (61.5% below fair value)
Industry Position: 327.4% above the Software median (#999999 of 1702)
No single metric tells the full story. See the STU:0YR stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Repay Holdings Corp is a payments technology company. It provides integrated payment processing solutions to industry-oriented vertical markets in which businesses or other organizations have specific transaction processing needs. It allows customers to pay through Mobile App, Text, Interactive Voice Response, Virtual Terminal, Hosted Payment Page and Online Customer Portal among others. It operates in two segments Consumer Payments and Business Payments. The company generates majority of its revenue from Consumer Payments segment.
66GF Score
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