RPAY — Valuation Models

Interactive models with editable assumptions. All calculations run client-side.

Valuation Summary

Model	Intrinsic Value	vs Price ($2.90)
DCF	$2.51	-13.4%
Graham Number	—	—
Reverse DCF	—	implied g: 6.0%
DDM	—	—
EV/EBITDA	$2.85	-1.8%

Values reflect default assumptions. Adjust inputs in each model below to update.

1 — Discounted Cash Flow (DCF)

Assumptions

Base FCF($B)Yahoo: $31.08M

Near-term growth (yrs 1–5)(%)Rev: -1.8% / EPS: —

Long-term growth (yrs 6–10)(%)

Terminal growth rate(%)

WACC(%)Computed: 4.97%

Computed WACC: 4.97%

Cost of equity (Re)13.15%(Rf 4.30% + β 1.61 × ERP 5.50%)

Cost of debt (Rd)0.00%(no debt / unavailable → 0%)

Tax rate (T)21.00%(US statutory fallback)

Equity weight (E/V)37.76%

Debt weight (D/V)62.24%

Results

Intrinsic Value / share$13.56

Current Price$2.90

Upside / Downside+367.6%

Net Debt (used)$340.87M

Sensitivity: WACC (rows) × Near-term g (cols)

WACC \ Near-term	-3.0%	1.0%	5.0%	9.0%	13.0%
7.0%	$2.57	$3.93	$5.52	$7.36	$9.47
8.0%	$1.37	$2.47	$3.74	$5.21	$6.91
9.0%	$0.54	$1.45	$2.51	$3.73	$5.14
10.0%	$-0.08	$0.70	$1.61	$2.65	$3.84
11.0%	$-0.54	$0.14	$0.92	$1.82	$2.86

2 — Graham Number

Assumptions

MultiplierGraham used 22.5 (15× P/E × 1.5× P/B)

EPS (trailing)($)Yahoo: $-1.44

Book Value / share($)Yahoo: $7.56

Results

Graham Number requires positive EPS and positive Book Value per share. EPS is zero or negative.

Graham Number—

Current Price$2.90

Margin of Safety—

Formula: √(22.5 × max(0,EPS) × max(0,BVPS))

3 — Reverse DCF (Implied Growth)

Assumptions

WACC(%)Computed: 4.97%

Terminal growth rate(%)

Computed WACC: 4.97%

Cost of equity (Re)13.15%(Rf 4.30% + β 1.61 × ERP 5.50%)

Cost of debt (Rd)0.00%(no debt / unavailable → 0%)

Tax rate (T)21.00%(US statutory fallback)

Equity weight (E/V)37.76%

Debt weight (D/V)62.24%

Results

Current Price$2.90

Implied Near-term FCF Growth-8.4%

Historical Revenue Growth-1.8%

Historical Earnings Growth—

Base FCF (TTM)$31.08M

Implied growth is the FCF growth rate (yrs 1–5) that makes the DCF intrinsic value equal the current price. Long-term growth is set to half the implied near-term rate.

4 — Dividend Discount Model (DDM)

Assumptions

Annual dividend D0($/share)Yahoo: —

Dividend growth rate (g)(%)

Required return (r)(%)

Results

This company does not pay a dividend. DDM is not applicable — the intrinsic value shown uses D0 = $0 unless you enter a hypothetical dividend above.

DDM Intrinsic Value / share—

Current Price$2.90

Upside / Downside—

Formula: D0 × (1+g) / (r − g)

5 — EV/EBITDA Multiple

Assumptions

EBITDA($B)Yahoo: $69.68M

Target EV/EBITDA multipleCurrent: 8.2×

Net Debt($B)Default: $340.87M

Results

Implied Equity Value / share$2.85

Current Price$2.90

Upside / Downside-1.8%

Implied EV$573.16M

Sensitivity: EV/EBITDA multiple (rows) × Net Debt (cols)

Mult \ Net Debt	-$1.66B	-$659.13M	$340.87M	$1.34B	$2.34B
4.2x	$23.95	$11.69	$-0.57	$-12.83	$-25.08
6.2x	$25.65	$13.40	$1.14	$-11.12	$-23.38
8.2x	$27.36	$15.10	$2.85	$-9.41	$-21.67
10.2x	$29.07	$16.81	$4.56	$-7.70	$-19.96
12.2x	$30.78	$18.52	$6.26	$-5.99	$-18.25

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