Repay HoldingsSTU:0YR +11.68%66 PB Ratio is 0.61 as of Jun. 27, 2026, which is 49% below its 10-year median of 1.19. 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 2,624 Software companies, Repay Holdings ranks better than 92.99% on this metric.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. As of today (2026-06-27), Repay Holdings's share price is €3.06. Repay Holdings's Book Value per Share for the quarter that ended in Mar. 2026 was €4.99. Hence, Repay Holdings's PB Ratio of today is 0.61.
The historical rank and industry rank for Repay Holdings's PB Ratio or its related term are showing as below:
STU:0YR'
s PB Ratio Range Over the Past 10 Years
Min: 0.42 Med: 1.19 Max: 3.9
Current: 0.62
During the past 9 years, Repay Holdings's highest PB Ratio was 3.90. The lowest was 0.42. And the median was 1.19.
STU:0YR's PB Ratio is ranked better than 92.99% of 2624
companies
in the Software industry
Industry Median: 2.32
vs STU:0YR: 0.62
During the past 12 months, Repay Holdings's average Book Value Per Share Growth Rate was -32.00% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was -16.40% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was -4.10% per year.
During the past 9 years, the highest 3-Year average Book Value Per Share Growth Rate of Repay Holdings was 1826.40% per year. The lowest was -16.40% per year. And the median was 14.55% per year.
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
Repay Holdings PB Ratio Related Terms
Repay Holdings PB Ratio Historical Data
* Premium members only.
The historical data trend for Repay Holdings's PB Ratio 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 PB Ratio, along with its competitors' market caps and PB Ratio 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 PB Ratio vs Software Industry
For the Software industry and Technology sector, Repay Holdings's PB Ratio distribution charts can be found below:
* The bar in red indicates where Repay Holdings's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
Repay Holdings's PB Ratio for today is calculated as follows:
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
Repay Holdings (STU:0YR) has a PB Ratio of 0.61 as of Jun. 27, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Repay Holdings and its competitors. This is 49% below median its historical median of 1.19. Over the past decade, Repay Holdings' PB Ratio has ranged from 0.42 to 3.90. According to the industry distribution chart, Repay Holdings ranks #184 out of 2624 companies in the Software industry, placing it in the top 7%.
Is Repay Holdings' PB Ratio too high?
Repay Holdings' current PB Ratio of 0.61 is 49% below median its 10-year median of 1.19. Over the past 10 years, this metric has ranged from a low of 0.42 to a high of 3.90. The Software industry median PB Ratio is 2.32. Repay Holdings' value of 0.61 is 73.7% below this industry median. Based on the distribution chart, Repay Holdings ranks #184 out of 2624 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, reflecting its overall financial health beyond just this single metric.
How does Repay Holdings' PB Ratio compare to ARQQ and TLS?
According to the Software industry distribution chart, Repay Holdings ranks #184 out of 2624 companies for PB Ratio. This places Repay Holdings in the top 7% of its industry — outperforming the majority of peers. The industry median PB Ratio is 2.32. Repay Holdings' value of 0.61 is 73.7% below this benchmark. Historically, Repay Holdings' own PB Ratio has ranged from 0.42 to 3.90 over the past decade. While the company's 10-year median is 1.19 vs. the industry median of 2.32, 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 PB Ratio for a Software company?
The median PB Ratio among Software companies is 2.32, based on 2,624 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Repay Holdings's current PB Ratio of 0.61 is 73.7% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Repay Holdings and its competitors. For the Software industry, the median PB Ratio is 2.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Repay Holdings's current PB Ratio is 0.61, which is 49% below median its own 10-year median of 1.19. 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 PB Ratio of 0.61. 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 PB Ratio is 0.61, which is 49% below median its 10-year median of 1.19 and 73.7% below the Software industry median of 2.32. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Repay Holdings (STU:0YR), the current PB Ratio is 0.61 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:
PB Ratio: 0.61 (49% below median its 10-year median of 1.19)
GF Value™: €7.94 vs. price of €3.06 (61.5% below fair value)
Industry Position: 73.7% below the Software median (#184 of 2624)
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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