Repay Holdings (FRA:0YR) Long-Term Capital Lease Obligation: €7.1 Mil (As of Mar. 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

FRA:0YR Repay Holdings Corp FRA:0YR
66 GF Score
Price €3.28
GF Value €8.68
Valuation Possible Value Trap
! 3 Warning Signs
View Full Analysis

What is Repay Holdings Long-Term Capital Lease Obligation?

Repay Holdings FRA:0YR -5.75% 66 Long-Term Capital Lease Obligation is €7.1 Mil as of Mar. 2026. GuruFocus rates FRA:0YR with a GF Score™ of 66/100 and a GF Value™ of €8.68 (Possible Value Trap). The stock has 3 warning signs investors should review.

Repay Holdings's Long-Term Capital Lease Obligation for the quarter that ended in Mar. 2026 was €7.1 Mil.

Repay Holdings's quarterly Long-Term Capital Lease Obligation declined from Sep. 2025 (€7.8 Mil) to Dec. 2025 (€7.5 Mil) and declined from Dec. 2025 (€7.5 Mil) to Mar. 2026 (€7.1 Mil).

Repay Holdings's annual Long-Term Capital Lease Obligation increased from Dec. 2023 (€6.6 Mil) to Dec. 2024 (€10.0 Mil) but then declined from Dec. 2024 (€10.0 Mil) to Dec. 2025 (€7.5 Mil).

Repay Holdings  (FRA:0YR) Long-Term Capital Lease Obligation Explanation

Long-Term Capital Lease Obligation are the amount due for long-term asset lease agreements that are nearly equivalent to asset purchases. Capital lease obligations are installment payments that constitute a payment of principal plus interest for the capital lease. The Short-Term Capital Lease Obligation is the portion of a Long-Term Capital Lease Obligation that is due over the next year.

Under US Generally Accepted Accounting Principles (GAAP), a capital lease is essentially equivalent to a purchase by the lessee if it meets the following criteria:

1. Ownership of the asset is transferred to the lessee at the end of the lease term;
2. The lease contains a bargain purchase option to buy the equipment at less than fair market value;
3. The lease term equals or exceeds 75% of the asset's estimated useful life;
4. The present value of the lease payments equals or exceeds 90% of the total original cost of the equipment.

Repay Holdings Long-Term Capital Lease Obligation Related Terms

Repay Holdings Long-Term Capital Lease Obligation Historical Data

* Premium members only.

The historical data trend for Repay Holdings's Long-Term Capital Lease Obligation 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.

Repay Holdings Long-Term Capital Lease Obligation Chart

Repay Holdings Annual Data
Trend Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Long-Term Capital Lease Obligation
Get a 7-Day Free Trial Premium Member Only 8.05 7.83 6.65 10.03 7.51

Repay Holdings Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Long-Term Capital Lease Obligation Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 9.29 8.37 7.80 7.51 7.12
FRA:0YR
66GF Score
Repay Holdings Corp FRA:0YR
Long-Term Capital Lease Obligation is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis
What does a Long-Term Capital Lease Obligation of €7.1 Mil mean?
Repay Holdings (FRA:0YR) has a Long-Term Capital Lease Obligation of €7.1 Mil as of Mar. 2026. Capital leases are leases where a finance company is typically the legal owner of the asset during the lease term. View historical data on Repay Holdings and its competitors.
Is Repay Holdings' Long-Term Capital Lease Obligation too high?
Repay Holdings' current Long-Term Capital Lease Obligation is €7.1 Mil. Overall, Repay Holdings has a GF Score™ of 66/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Repay Holdings' Long-Term Capital Lease Obligation compare to DVLT and ZPTA?
Repay Holdings' Long-Term Capital Lease Obligation of €7.1 Mil can be compared against companies in the Software industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Long-Term Capital Lease Obligation for a Software company?
A good Long-Term Capital Lease Obligation depends on the Software industry context. However, Long-Term Capital Lease Obligation 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 Long-Term Capital Lease Obligation mean?
A high Long-Term Capital Lease Obligation can signal that a stock is expensive relative to its fundamentals. Capital leases are leases where a finance company is typically the legal owner of the asset during the lease term. View historical data on Repay Holdings and its competitors. Repay Holdings's current Long-Term Capital Lease Obligation is €7.1 Mil. 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 €8.68, compared to a current price of €3.28 — trading 62.2% below its estimated fair value. The current Long-Term Capital Lease Obligation is €7.1 Mil. 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 Long-Term Capital Lease Obligation calculated?
Long-Term Capital Lease Obligation is calculated from a company's financial statements. For Repay Holdings (FRA:0YR), the current Long-Term Capital Lease Obligation is €7.1 Mil 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 (FRA:0YR) Overvalued in 2026?

Based on GuruFocus' analysis, Repay Holdings stock appears to be undervalued. The current stock price of €3.28 is trading 62.2% below its estimated GF Value™ of €8.68. GuruFocus considers Repay Holdings to be Possible Value Trap.

Key valuation signals for FRA:0YR:

  • Long-Term Capital Lease Obligation: €7.1 Mil
  • GF Value™: €8.68 vs. price of €3.28 (62.2% below fair value)
  • GF Score™: 66/100 with 3 warning signs

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 Business Description

Other Exchanges RPAY:USA
Address 3060 Peachtree Road NW, Suite 1100, Atlanta, GA, USA, 30305
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

Get the complete analysis for FRA:0YR

Long-Term Capital Lease Obligation is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€3.28
Price
€8.68
GF Value