Repay HoldingsFRA:0YR +10.95%66 EV-to-FCF is 16.69 as of Jun. 27, 2026, which is 38% below its 10-year median of 26.83. GuruFocus rates FRA:0YR with a GF Score™ of 66/100 and a GF Value™ of €7.98. The stock has 3 warning signs investors should review. Among 1,590 Software companies, Repay Holdings ranks worse than 53.27% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Repay Holdings's Enterprise Value is €571.6 Mil.
Repay Holdings's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was €34.3 Mil. Therefore, Repay Holdings's EV-to-FCF for today is 16.69.
The historical rank and industry rank for Repay Holdings's EV-to-FCF or its related term are showing as below:
FRA:0YR'
s EV-to-FCF Range Over the Past 10 Years
Min: -981.69 Med: 26.83 Max: 1542.65
Current: 15.41
During the past 9 years, the highest EV-to-FCF of Repay Holdings was 1542.65. The lowest was -981.69. And the median was 26.83.
FRA:0YR's EV-to-FCF is ranked worse than 53.27% of 1590
companies
in the Software industry
Industry Median: 14.15
vs FRA:0YR: 15.41
EV-to-FCF 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-FCF 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 €3.04.
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. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Repay Holdings EV-to-FCF Related Terms
Repay Holdings EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Repay Holdings's EV-to-FCF 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-FCF, along with its competitors' market caps and EV-to-FCF 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-FCF vs Software Industry
For the Software industry and Technology sector, Repay Holdings's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Repay Holdings's EV-to-FCF falls into.
Repay Holdings's current Enterprise Value is €571.6 Mil.
Repay Holdings's Free Cash Flow 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 €34.3 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 (FRA:0YR) has a EV-to-FCF of 16.69 as of Jun. 27, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Repay Holdings and its competitors. This is 38% below median its historical median of 26.83. According to the industry distribution chart, Repay Holdings ranks #847 out of 1590 companies in the Software industry, placing it in the top 53.3%.
Is Repay Holdings' EV-to-FCF too high?
Repay Holdings' current EV-to-FCF of 16.69 is 38% below median its 10-year median of 26.83. The Software industry median EV-to-FCF is 14.15. Repay Holdings' value of 16.69 is 18% above this industry median. Based on the distribution chart, Repay Holdings ranks #847 out of 1590 companies in the Software industry, which is below 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-FCF compare to ARQQ and TLS?
According to the Software industry distribution chart, Repay Holdings ranks #847 out of 1590 companies for EV-to-FCF. This places Repay Holdings in the lower half of its industry. The industry median EV-to-FCF is 14.15. Repay Holdings' value of 16.69 is 18% above this benchmark. While the company's 10-year median is 26.83 vs. the industry median of 14.15, 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 EV-to-FCF for a Software company?
The median EV-to-FCF among Software companies is 14.15, based on 1,590 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Repay Holdings's current EV-to-FCF of 16.69 is 18% 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 EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Repay Holdings and its competitors. For the Software industry, the median EV-to-FCF is 14.15 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Repay Holdings's current EV-to-FCF is 16.69, which is 38% below median its own 10-year median of 26.83. 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 (FRA:0YR) has a current EV-to-FCF of 16.69. The stock's GF Value™ is €7.98, compared to a current price of €3.04 — trading 61.9% below its estimated fair value. The current EV-to-FCF is 16.69, which is 38% below median its 10-year median of 26.83 and 18% above the Software industry median of 14.15. 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-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Repay Holdings (FRA:0YR), the current EV-to-FCF is 16.69 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 (FRA:0YR) Overvalued in 2026?
Based on GuruFocus' analysis, Repay Holdings stock appears to be undervalued.
The current stock price of €3.04 is trading 61.9% below its estimated GF Value™ of €7.98.
Key valuation signals for FRA:0YR:
EV-to-FCF: 16.69 (38% below median its 10-year median of 26.83)
GF Value™: €7.98 vs. price of €3.04 (61.9% below fair value)
Industry Position: 18% above the Software median (#847 of 1590)
No single metric tells the full story. See the FRA: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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