Is ReposiTrak, Inc. overvalued or undervalued?

As of 30 June 2025, the valuation grade for ReposiTrak, Inc. has moved from attractive to fair. The company appears to be fairly valued based on its current metrics. Key ratios include a P/E ratio of 60, a Price to Book Value of 8.21, and an EV to EBITDA of 51.71, which are significantly higher than its peer MoneyLion, Inc. with a P/E of 107.79 and EV to EBITDA of 11.10, indicating a premium valuation relative to some peers.
In comparison to the S&P 500, ReposiTrak's stock has underperformed year-to-date with a return of -19.57% against the index's 12.22%, although it has shown strong performance over the longer term with a 3-year return of 217.29% compared to the S&P 500's 70.41%. Overall, while the company is currently fairly valued, its high valuation ratios suggest caution for potential investors.