Repay HoldingsSTU:0YR +11.68%66 EV-to-OCF is 6.31 as of Jun. 27, 2026, which is 60% below its 10-year median of 15.62. 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 2,870 Software companies, Repay Holdings ranks better than 51.99% on this metric.
EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, Repay Holdings's Enterprise Value is €571.6 Mil.
Repay Holdings's Cash Flow from Operations for the trailing twelve months (TTM) ended in Mar. 2026 was €90.6 Mil. Therefore, Repay Holdings's EV-to-OCF for today is 6.31.
The historical rank and industry rank for Repay Holdings's EV-to-OCF or its related term are showing as below:
STU:0YR'
s EV-to-OCF Range Over the Past 10 Years
Min: 5.37 Med: 15.62 Max: 117.25
Current: 6.16
During the past 9 years, the highest EV-to-OCF of Repay Holdings was 117.25. The lowest was 5.37. And the median was 15.62.
STU:0YR's EV-to-OCF is ranked better than 51.99% of 2870
companies
in the Software industry
Industry Median: 6.415
vs STU:0YR: 6.16
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Repay Holdings's PE Ratio (TTM) for today is calculated as:
Repay Holdings's share price for today is €3.06.
Repay Holdings's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €-2.629.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Repay Holdings EV-to-OCF Related Terms
Repay Holdings EV-to-OCF Historical Data
* Premium members only.
The historical data trend for Repay Holdings's EV-to-OCF 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.
For the Software - Infrastructure subindustry, Repay Holdings's EV-to-OCF, along with its competitors' market caps and EV-to-OCF 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 EV-to-OCF vs Software Industry
For the Software industry and Technology sector, Repay Holdings's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where Repay Holdings's EV-to-OCF falls into.
Repay Holdings's current Enterprise Value is €571.6 Mil.
Repay Holdings's Cash Flow from Operations for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €90.6 Mil.
* 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 EV-to-OCF of 6.31 as of Jun. 27, 2026. This is 60% below median its historical median of 15.62. Over the past decade, Repay Holdings' EV-to-OCF has ranged from 5.37 to 117.25. According to the industry distribution chart, Repay Holdings ranks #1378 out of 2870 companies in the Software industry, placing it in the top 48%.
Is Repay Holdings' EV-to-OCF too high?
Repay Holdings' current EV-to-OCF of 6.31 is 60% below median its 10-year median of 15.62. Over the past 10 years, this metric has ranged from a low of 5.37 to a high of 117.25. The Software industry median EV-to-OCF is 6.42. Repay Holdings' value of 6.31 is 1.6% below this industry median. Based on the distribution chart, Repay Holdings ranks #1378 out of 2870 companies in the Software industry, which is above the industry midpoint. Overall, Repay Holdings has a GF Score™ of 66/100, reflecting its overall financial health beyond just this single metric.
How does Repay Holdings' EV-to-OCF compare to ARQQ and TLS?
According to the Software industry distribution chart, Repay Holdings ranks #1378 out of 2870 companies for EV-to-OCF. This puts Repay Holdings in the upper half of its industry. The industry median EV-to-OCF is 6.42. Repay Holdings' value of 6.31 is 1.6% below this benchmark. Historically, Repay Holdings' own EV-to-OCF has ranged from 5.37 to 117.25 over the past decade. While the company's 10-year median is 15.62 vs. the industry median of 6.42, Repay Holdings has consistently been below 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 EV-to-OCF for a Software company?
The median EV-to-OCF among Software companies is 6.42, based on 2,870 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-OCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-OCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Repay Holdings's current EV-to-OCF of 6.31 is 1.6% below 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 EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. For the Software industry, the median EV-to-OCF is 6.42 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Repay Holdings's current EV-to-OCF is 6.31, which is 60% below median its own 10-year median of 15.62. 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 EV-to-OCF of 6.31. 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 EV-to-OCF is 6.31, which is 60% below median its 10-year median of 15.62 and 1.6% below the Software industry median of 6.42. 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 EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For Repay Holdings (STU:0YR), the current EV-to-OCF is 6.31 as of Jun. 27, 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:
EV-to-OCF: 6.31 (60% below median its 10-year median of 15.62)
GF Value™: €7.94 vs. price of €3.06 (61.5% below fair value)
Industry Position: 1.6% below the Software median (#1378 of 2870)
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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