Repay HoldingsSTU:0YR +11.68%66 Debt-to-Equity is 0.84 as of Mar. 2026, which is 56% above its 10-year median of 0.54. 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 2,240 Software companies, Repay Holdings ranks worse than 81.79% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Repay Holdings's Debt-to-Equity or its related term are showing as below:
STU:0YR'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0 Med: 0.54 Max: 8.9
Current: 0.84
During the past 9 years, the highest Debt-to-Equity Ratio of Repay Holdings was 8.90. The lowest was 0.00. And the median was 0.54.
STU:0YR's Debt-to-Equity is ranked worse than 81.79% of 2240
companies
in the Software industry
Industry Median: 0.195
vs STU:0YR: 0.84
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Repay Holdings Debt-to-Equity Related Terms
Repay Holdings Debt-to-Equity Historical Data
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The historical data trend for Repay Holdings's Debt-to-Equity 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-Equity Comparison
For the Software - Infrastructure subindustry, Repay Holdings's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity 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-Equity vs Software Industry
For the Software industry and Technology sector, Repay Holdings's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Repay Holdings's Debt-to-Equity 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.
Repay Holdings (STU:0YR) has a Debt-to-Equity of 0.84 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Repay Holdings and its competitors. This is 56% above median its historical median of 0.54. According to the industry distribution chart, Repay Holdings ranks #1832 out of 2240 companies in the Software industry, placing it in the top 81.8%.
Is Repay Holdings' Debt-to-Equity too high?
Repay Holdings' current Debt-to-Equity of 0.84 is 56% above median its 10-year median of 0.54. The Software industry median Debt-to-Equity is 0.20. Repay Holdings' value of 0.84 is 330.8% above this industry median. Based on the distribution chart, Repay Holdings ranks #1832 out of 2240 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-Equity compare to ARQQ and TLS?
According to the Software industry distribution chart, Repay Holdings ranks #1832 out of 2240 companies for Debt-to-Equity. This places Repay Holdings in the lower half of its industry. The industry median Debt-to-Equity is 0.20. Repay Holdings' value of 0.84 is 330.8% above this benchmark. While the company's 10-year median is 0.54 vs. the industry median of 0.20, 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-Equity for a Software company?
The median Debt-to-Equity among Software companies is 0.20, based on 2,240 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Repay Holdings's current Debt-to-Equity of 0.84 is 330.8% 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-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Repay Holdings and its competitors. For the Software industry, the median Debt-to-Equity is 0.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Repay Holdings's current Debt-to-Equity is 0.84, which is 56% above median its own 10-year median of 0.54. 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-Equity of 0.84. 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-Equity is 0.84, which is 56% above median its 10-year median of 0.54 and 330.8% above the Software industry median of 0.20. 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-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Repay Holdings (STU:0YR), the current Debt-to-Equity is 0.84 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-Equity: 0.84 (56% above median its 10-year median of 0.54)
GF Value™: €7.94 vs. price of €3.06 (61.5% below fair value)
Industry Position: 330.8% above the Software median (#1832 of 2240)
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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