Is ReposiTrak, Inc. overvalued or undervalued?

As of 17 October 2025, ReposiTrak, Inc. has moved from a very attractive to an attractive valuation grade. The company appears to be overvalued based on its current metrics. Key ratios include a P/E ratio of 60, an EV to EBITDA of 51.71, and a PEG ratio of 3.38, all of which suggest that the stock is trading at a premium compared to its earnings growth potential.
In comparison to peers, ReposiTrak's P/E ratio of 60 is significantly higher than MoneyLion, Inc.'s P/E of 107.79 and CoreCard Corp.'s more attractive P/E of 27.79, indicating a relative overvaluation. Additionally, while ReposiTrak has shown strong historical returns, including a 193.20% return over three years, it has underperformed against the S&P 500 year-to-date and over the past year, with returns of -33.76% and -25.85%, respectively. This underperformance reinforces the notion that the stock may be overvalued at its current price.