Repay Holdings Corporation (RPAY)

From the record

Repay Holdings Corporation's filings since 2017 show 4 warning events of 3 kinds: a notice about its exchange listing (8-K item 3.01, 2 times, the latest 2021-06-15); a warning not to rely on past financial statements (8-K item 4.02, the latest 2021-04-30); a late-report notice (Form NT 10-K or NT 10-Q, the latest 2020-11-10) (its current reports).

From the record

Repay Holdings Corporation's 9 filed years say what it did: revenue went from $94 million in fiscal 2017 to $309 million in fiscal 2025, up 16.1% a year; it rose in 6 of 8 years; the deepest fall was 20% from fiscal 2018 to fiscal 2019; net income was positive in 3 of 8 of those years (its annual reports).

From the record

Over the 3 fiscal years to 2025-12-31, Repay Holdings Corporation's diluted share count shrank about 8.2% a year, and dividends and buybacks returned about 1% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 7 sales (6 under scheduled 10b5-1 plans) and 0 purchases of their own stock on the open market in the year to 2026-11-06 (their Form 4 filings).

From the record

Return on equity: in the fiscal year ended 2025-12-31, Repay Holdings Corporation lost about 53 cents for every dollar of shareholders' money, and gross profitability: its products earned about 19 cents per dollar of everything the company owns. Leverage: it owed about 60 cents per dollar of assets, and net share issuance: its share count shrank 4.8% over the year (the filed statements).

From the record

Repay Holdings Corporation's standing among 101 graded names in its industry family: revenue of $309 million in fiscal 2025 ranks in the bottom 28% by size; a net margin of -83% ranks in the bottom 12%; revenue growth of 3.5% a year over the last 3 filed years ranks in the bottom 35% (its annual reports).

From the record

Repay Holdings Corporation's leadership, from its insiders' filings and its current reports: the chief executive on the record is Morris, John Andrew Sr. (Chief Executive Officer, as filed), filing under that title since 2019-07-15, 7.3 years (top 28% of its family); the 16 officers and directors filing in the last fifteen months have been on the record a median of 6.9 years (top 25%); 11 officer or director changes were reported on Form 8-K since 2023-11-14, against the 16 people in charge now (bottom 32%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.

From the record

Repay Holdings Corporation's room to grow, from the newest filed statements (fiscal 2025): cash of $116 million against debt of $280 million leaves -13.7% of its assets as net cash, bottom 32% of its family; cash from operations less capital spending is 29.4% of revenue (top 10%); a gross margin of 75% (top 13%) (its annual report).

From the record

Repay Holdings Corporation's growth drivers, from the filed years to fiscal 2025: revenue grew 3.5% a year over the last three filed years against 16.1% over all 9, slowing (bottom 24% of its family); the newest year grew -1.2% (bottom 26%); capital spending grew -55.2% a year (bottom 7%) (its annual reports). Repay Holdings Corporation reported 2 lines of business in fiscal 2025: Consumer Payments at $286 million, Business Payments at $48 million. 1 of 2 grew in the latest filed year, and the largest line is 86% of revenue (its annual report).

From the record

Repay Holdings Corporation's newest year against its own record: revenue of $309 million in fiscal 2025 came in 6.7% below the $331 million its prior three years' pace pointed to (bottom 24% of its family); net income of $257 million against a prior three-year average of $36 million (bottom 4%); a net margin of -83% against -12% before (bottom 6%) (its annual reports).