RPAY (Repay Holdings) Moat Score: 4/10 (As of Jul. 03, 2026)


RPAY Repay Holdings Corp RPAY
66 GF Score
Price $4.23
GF Value $10.04
Valuation Possible Value Trap
! 4 Warning Signs
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What is Repay Holdings Moat Score?

Repay Holdings RPAY +1.07% 66 Moat Score is 4 as of Jul. 03, 2026. GuruFocus rates RPAY with a GF Score™ of 66/100 and a GF Value™ of $10.04 (Possible Value Trap). The stock has 4 warning signs investors should review. Among 2,844 Software companies, Repay Holdings ranks better than 90.15% on this metric.

Repay Holdings has the Moat Score of 4, which implies that the company might have Narrow Moat - Discernible but modest moat.

Repay Holdings has Narrow Moat: Repay Holdings Corp has a discernible moat due to its network effects and customer switching costs in the payment processing industry. However, it lacks the scale and brand strength to be considered a strong narrow moat.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Repay Holdings might have Narrow Moat - Discernible but modest moat.

Repay Holdings  (NAS:RPAY) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Repay Holdings Moat Score Related Terms

RPAY vs DVLT, ZPTA, PDYN: Moat Score Comparison

For the Software - Infrastructure subindustry, Repay Holdings's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Software Industry

For the Software industry and Technology sector, Repay Holdings's Moat Score distribution charts can be found below:

* The bar in red indicates where Repay Holdings's Moat Score falls into.


RPAY
66GF Score
Repay Holdings Corp RPAY
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 4 mean?
Repay Holdings (RPAY) has a Moat Score of 4 as of Jul. 03, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Repay Holdings ranks #280 out of 2844 companies in the Software industry, placing it in the top 9.8%.
Is Repay Holdings' Moat Score too high?
Repay Holdings' current Moat Score is 4. Based on the distribution chart, Repay Holdings ranks #280 out of 2844 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 66/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Repay Holdings' Moat Score compare to DVLT and ZPTA?
According to the Software industry distribution chart, Repay Holdings ranks #280 out of 2844 companies for Moat Score. This places Repay Holdings in the top 10% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Software company?
A good Moat Score depends on the Software industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Repay Holdings's current Moat Score is 4. 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 (RPAY) is currently considered Possible Value Trap. The stock's GF Value™ is $10.04, compared to a current price of $4.23 — trading 57.9% below its estimated fair value. The current Moat Score is 4. Repay Holdings' overall GF Score™ is 66/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Repay Holdings (RPAY), the current Moat Score is 4 as of Jul. 03, 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 (RPAY) Overvalued in 2026?

Based on GuruFocus' analysis, Repay Holdings stock appears to be undervalued. The current stock price of $4.23 is trading 57.9% below its estimated GF Value™ of $10.04. GuruFocus considers Repay Holdings to be Possible Value Trap.

Key valuation signals for RPAY:

  • Moat Score: 4
  • GF Value™: $10.04 vs. price of $4.23 (57.9% below fair value)
  • GF Score™: 66/100 with 4 warning signs

No single metric tells the full story. See the RPAY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Repay Holdings Business Description

Other Exchanges 0YR:Germany
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

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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$4.23
Price
$10.04
GF Value