Is ReposiTrak, Inc. overvalued or undervalued?

As of 17 October 2025, the valuation grade for ReposiTrak, Inc. moved from very attractive to attractive, indicating a shift in perception. The company appears overvalued based on its current metrics, with a P/E ratio of 60, significantly higher than the peer average P/E of 47.10, and an EV to EBITDA ratio of 51.71, which also exceeds the peer average of 40.11. Additionally, the PEG ratio stands at 3.38, suggesting that the stock may be priced too high relative to its growth prospects.
In comparison to its peers, MoneyLion, Inc. has a much higher P/E ratio of 107.79, while CoreCard Corp. shows a more favorable EV to EBITDA of 13.99. Despite the attractive valuation grade, ReposiTrak's recent stock performance has been disappointing, with a year-to-date return of -33.76%, contrasting sharply with the S&P 500's gain of 13.30% over the same period. This underperformance reinforces the notion that the stock may be overvalued in the current market environment.