Repay HoldingsFRA:0YR -0.55%43 Intrinsic Value: Projected FCF is €7.90 as of Jul. 01, 2026, which is 100% below its 10-year median of 0.62. GuruFocus rates FRA:0YR with a GF Score™ of 43/100 and a GF Value™ of €7.96 (Possible Value Trap). The stock has 4 warning signs investors should review. Among 1,452 Software companies, Repay Holdings ranks better than 89.46% on this metric.
Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company. The details of how we calculate the intrinsic value of stocks are described in detail here.
As of today (2026-07-01), Repay Holdings's Intrinsic Value: Projected FCF is €7.90. The stock price of Repay Holdings is €3.60. Therefore, Repay Holdings's Price-to-Intrinsic-Value-Projected-FCF of today is 0.5.
The historical rank and industry rank for Repay Holdings's Intrinsic Value: Projected FCF or its related term are showing as below:
FRA:0YR'
s Price-to-Projected-FCF Range Over the Past 10 Years
Min: 0.28 Med: 0.62 Max: 1.12
Current: 0.46
During the past 9 years, the highest Price-to-Intrinsic-Value-Projected-FCF of Repay Holdings was 1.12. The lowest was 0.28. And the median was 0.62.
FRA:0YR's Price-to-Projected-FCF is ranked better than 89.46% of 1452
companies
in the Software industry
Industry Median: 1.33
vs FRA:0YR: 0.46
The growth multiple is capped between 8.35 and 17.74.
Total Stockholders Equity weighting is more art than science and it should always be revisited in more detail when researching a company. Weightings from 0% to 100% to more than 100% are possible. 80% was chosen as a happy median after taking the above ideas into consideration.
Repay Holdings's Price-to-Intrinsic-Value-Projected-FCF for today is calculated as
Price-to-Intrinsic-Value-Projected-FCF
=
Share Price
/
Intrinsic Value: Projected FCF
=
3.60
/
8.2647279801655
=
0.44
* 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 Intrinsic Value: Projected FCF Related Terms
Repay Holdings Intrinsic Value: Projected FCF Historical Data
* Premium members only.
The historical data trend for Repay Holdings's Intrinsic Value: Projected 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.
FRA:0YR vs DVLT, ZPTA, PDYN: Intrinsic Value: Projected FCF Comparison
For the Software - Infrastructure subindustry, Repay Holdings's Price-to-Projected-FCF, along with its competitors' market caps and Price-to-Projected-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 Price-to-Projected-FCF vs Software Industry
For the Software industry and Technology sector, Repay Holdings's Price-to-Projected-FCF distribution charts can be found below:
* The bar in red indicates where Repay Holdings's Price-to-Projected-FCF falls into.
Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company.
The details of how we calculate the intrinsic value of stocks are described in detail here.
This method smooths out the free cash flow over the past 6-7 years, multiplies the results by a growth multiple, and adds a portion of Total Stockholders Equity.
* 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.
What does a Intrinsic Value: Projected FCF of €7.90 mean?
Repay Holdings (FRA:0YR) has a Intrinsic Value: Projected FCF of €7.90 as of Jul. 01, 2026. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on Repay Holdings and its competitors. This is 1174% above median its historical median of 0.62. Over the past decade, Repay Holdings' Intrinsic Value: Projected FCF has ranged from 0.28 to 1.12. According to the industry distribution chart, Repay Holdings ranks #153 out of 1452 companies in the Software industry, placing it in the top 10.5%.
Is Repay Holdings' Intrinsic Value: Projected FCF too high?
Repay Holdings' current Intrinsic Value: Projected FCF of €7.90 is 1174% above median its 10-year median of 0.62. Over the past 10 years, this metric has ranged from a low of 0.28 to a high of 1.12. Based on the distribution chart, Repay Holdings ranks #153 out of 1452 companies in the Software industry, which is in the top quartile — a strong position relative to peers. Overall, Repay Holdings has a GF Score™ of 43/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Repay Holdings' Intrinsic Value: Projected FCF compare to DVLT and ZPTA?
According to the Software industry distribution chart, Repay Holdings ranks #153 out of 1452 companies for Intrinsic Value: Projected FCF. This places Repay Holdings in the top 11% of its industry — outperforming the majority of peers. The industry median Intrinsic Value: Projected FCF is 1.33. Historically, Repay Holdings' own Intrinsic Value: Projected FCF has ranged from 0.28 to 1.12 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Intrinsic Value: Projected FCF for a Software company?
The median Intrinsic Value: Projected FCF among Software companies is 1.33, based on 1,452 companies in the industry. Companies in the top quartile (top 25%) have a Intrinsic Value: Projected FCF significantly above this median, while those in the bottom quartile fall well below. However, Intrinsic Value: Projected FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Intrinsic Value: Projected FCF mean?
A high Intrinsic Value: Projected FCF can signal that a stock is expensive relative to its fundamentals. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on Repay Holdings and its competitors. For the Software industry, the median Intrinsic Value: Projected FCF is 1.33 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Repay Holdings's current Intrinsic Value: Projected FCF is €7.90, which is 1174% above median its own 10-year median of 0.62. 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?
Based on GuruFocus' analysis, Repay Holdings (FRA:0YR) is currently considered Possible Value Trap. The stock's GF Value™ is €7.96, compared to a current price of €3.60 — trading 54.8% below its estimated fair value. The current Intrinsic Value: Projected FCF is €7.90, which is 1174% above median its 10-year median of 0.62. Repay Holdings' overall GF Score™ is 43/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Intrinsic Value: Projected FCF calculated?
Intrinsic Value: Projected FCF is calculated from a company's financial statements. For Repay Holdings (FRA:0YR), the current Intrinsic Value: Projected FCF is €7.90 as of Jul. 01, 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 €3.60 is trading 54.8% below its estimated GF Value™ of €7.96.
GuruFocus considers Repay Holdings to be Possible Value Trap.
Key valuation signals for FRA:0YR:
Intrinsic Value: Projected FCF: €7.90 (1174% above median its 10-year median of 0.62)
GF Value™: €7.96 vs. price of €3.60 (54.8% below fair value)
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.
43GF Score
Get the complete analysis for FRA:0YR
Intrinsic Value: Projected FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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