RPAY at a glance
Repay Holdings Corp (RPAY, SEC CIK 1720592) filed its latest 10-K annual report on March 9, 2026, a 10-Q quarterly report on August 10, 2026, an 8-K current report on August 17, 2026 and Form 4 insider filings as recently as September 21, 2026. SignalX summarizes each filing with AI and tracks the company's insider trades and institutional holders.
- For the fiscal year ended December 31, 2025 (FY2025), Repay Holdings Corp (RPAY) reported revenue of $309.3 million (down 1.2% from FY2024) and a net loss of $256.7 million. Diluted EPS was -$3.00.
- As of June 30, 2026, 24 institutional investment managers tracked by SignalX reported holding Repay Holdings Corp (RPAY) shares worth $102.3 million in 13F-HR filings.
- The most recent insider open-market sale reported on Form 4 was by Dempsey Tyler B on September 21, 2026 of 11,112 shares at $4.00 per share.
- In the last 90 days, RPAY insiders reported 0 open-market purchases ($0) and 2 open-market sales ($142K) on Form 4, a net sale of $142K.
Source: SEC EDGAR (XBRL financial data, 13F-HR and Form 4 filings).
- Revenue · FY2025
- $309.3M
- −1.2% vs prior year
- Insiders · 90 days
- 0 buys · 2 sells
- Net −$142K
- 13F holders
- 24 funds
- $102.3M · +0 vs prior quarter
- Latest 8-K
- Aug 17, 2026
- Current report
AI 10-Q Quarterly Report Analysis
Latest 10-Q, quarter ended Jun 30, 2026
Risk Factors
- New KUBRA acquisition integration risk triggered by $395.0 million of investing cash use in six months
- New credit risk from $500.0 million Term Loan Facility outstanding under the June 1, 2026 Credit Agreement
- Most material debt update: 2026 Notes fully repaid February 2, 2026 using $146.5 million of borrowings and cash
- Financial liquidity risk from $753.1 million outstanding under the Term Loan Facility and 2029 Notes
- Tax compliance risk from substantial TRA payments potentially exceeding realized tax benefits
AI summary of the RPAY 10-Q filed . Generated from the filing text; verify against the original.View on SEC EDGAR10-K vs 10-Q vs 8-K
AI 8-K Current Report Analysis
The most recent material events, by 8-K item
Item EX-99.1: Item EX-99.1
- Audited KUBRA financials cover fiscal years ended December 31, 2025 and 2024, supporting Repay’s acquisition-related reporting
- Revenue increased to $246.6M from $235.4M, led by EZ Pay growth to $121.0M from $109.9M
Item 7.01: Regulation FD Disclosure
- Supplemental earnings information and investor presentation released August 10, 2026
- Materials cover Repay Holdings’ business and operations
Item 2.02: Results of Operations and Financial Condition
- Quarterly earnings announcement for period ended June 30, 2026
- Results, outlook, and operating metrics contained in Exhibit 99.1
Item EX-99.1: Item EX-99.1
- Q2 revenue $80.8M, up 4% YoY; organic growth approximately 6%, indicating continued underlying expansion
- Adjusted EBITDA $36.3M, up 14% YoY; margin 45%, supporting improved operating leverage
Item 5.02: Departure/Appointment of Directors or Principal Officers
- Cooperation Agreement governs the disclosed leadership-related matter
- Investors should review Exhibit 10.1 for departure, election, governance, and succession terms
Item 7.01: Regulation FD Disclosure
- Reg FD section contains only incorporation-by-reference disclaimer language
- No substantive investor information or market-moving disclosure in the provided text
Item 1.01: Entry into a Material Definitive Agreement
- New independent director Mr. Sadek brings payments, fintech, software, and M&A expertise
- Parthenon Capital affiliate of one of RPAY’s largest stockholders, linking the appointment to a significant investor
Item EX-99.1: Item EX-99.1
- Zachary F. Sadek appointed director, adding payments, fintech, software and investment expertise
- Board expanded to seven directors, including six NASDAQ-qualified independent directors
AI summaries of RPAY 8-K current reports filed with the SEC. What 8-K item codes mean
SignalX for RPAY
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Recent Insider Transactions (Form 4)
Latest reported trades by officers, directors and 10% owners
| Insider | Type | Date | Shares | Price |
|---|---|---|---|---|
| Dempsey Tyler B | Sell | Sep 21, 2026 | 11,112 | $4.00 |
| Dempsey Tyler B | Sell | Sep 17, 2026 | 25,000 | $3.91 |
| Houser Robert Scott | F | Sep 8, 2026 | 8,733 | $3.68 |
| Sadek Zachary F | A | Jul 31, 2026 | 42,500 | - |
| THORNBURGH RICHARD E | A | Jun 10, 2026 | 50,295 | - |
| Rios Emnet Legesse | A | Jun 10, 2026 | 50,295 | - |
| GOEBEL MARYANN | A | Jun 10, 2026 | 50,295 | - |
| GARCIA PAUL R | A | Jun 10, 2026 | 50,295 | - |
Financial SummaryXBRL
| Metric | FY2023 | FY2024 | FY2025 |
|---|---|---|---|
| Profitability | |||
| Revenue | - | $313.0M | $309.3M |
| Gross Profit | - | $241.4M | $232.0M |
| Operating Income | - | -$7.8M | -$254.7M |
| Net Income | - | -$10.2M | -$256.7M |
| Gross Margin | - | 77.1% | 75.0% |
| Op. Margin | - | -2.5% | -82.4% |
| Net Margin | - | -3.2% | -83.0% |
| Balance Sheet | |||
| Total Assets | $1.5B | $1.6B | $1.2B |
| Equity | $815.1M | $761.3M | $484.4M |
| ROE | - | -1.3% | -53.0% |
| Per Share | |||
| EPS | - | $-0.11 | $-3.00 |
| Cash Flow | |||
| Operating CF | - | $150.1M | $91.1M |
| CapEx | - | $989K | $286K |
Source: XBRL data in Repay Holdings Corp (RPAY)'s 10-K filings on SEC EDGAR, in USD. Compare across companies →
13F Fund Holdings: Quarterly Trend
Latest: Q2 2026Aggregate RPAY share value held by 13F filers tracked by SignalX, by quarter.
Quarterly totals table
| Quarter | Funds | Total value |
|---|---|---|
| Q2 2026 | 24 | $102.3M |
| Q1 2026 | 24 | $66.6M |
| Q4 2025 | 25 | $90.0M |
| Q3 2025 | 25 | $141.0M |
| Q2 2025 | 26 | $134.9M |
| Q1 2025 | 21 | $112.5M |
| Q4 2024 | 17 | $145.8M |
| Q3 2024 | 15 | $96.1M |
- AQR Capital Management+506.4K (+13%)
- FMR LLC (Fidelity)+299.3K (+145%)
- State Street Corp+215.6K (+12%)
- Vanguard Portfolio Management LLC+104.4K (+14%)
- Citigroup+32.3K (+1030%)
- Citadel Advisors LLC−969.7K (-98%)
- D.E. Shaw & Co−664.5K (-41%)
- Goldman Sachs Group−343.4K (-33%)
- Vanguard Capital Management LLC−138.1K (-4%)
- Bank of America Corp−96.0K (-19%)
Source: 13F-HR filings on SEC EDGAR (aggregated from 177 fund-quarter rows). Reflects only 13F filers tracked by SignalX, not the full institutional ownership universe. How 13F filings work
RPAY filing archive
AI analysis pages for each 10-K, 10-Q and 8-K
Latest 2026 SEC Filings: 10-K, 10-Q, 8-K & Form 4
| Form | Filing date | Period | Analysis | SEC |
|---|---|---|---|---|
| 4 | Sep 21, 2026 | - | - | - |
| 4 | Sep 10, 2026 | - | - | - |
| 8-K | Aug 17, 2026 | - | Analysis | - |
| SC 13G | Aug 14, 2026 | - | - | |
| 8-K | Aug 10, 2026 | - | Analysis | - |
| 10-Q | Aug 10, 2026 | Jun 30, 2026 | Analysis | |
| 4 | Aug 4, 2026 | - | - | - |
| 8-K | Jul 14, 2026 | - | Analysis | - |
| 8-K | Jun 15, 2026 | - | Analysis | - |
| 4 | Jun 12, 2026 | - | - | - |
| 8-K | Jun 12, 2026 | - | Analysis | - |
| 4 | Jun 12, 2026 | - | - | - |
| 4 | Jun 12, 2026 | - | - | - |
| 4 | Jun 12, 2026 | - | - | - |
| 4 | Jun 12, 2026 | - | - | - |
| 4 | Jun 3, 2026 | - | - | |
| 4 | Jun 2, 2026 | - | - | |
| 8-K | Jun 1, 2026 | - | Analysis | |
| SC 13G | May 15, 2026 | - | - | |
| 4 | May 14, 2026 | - | - | |
| 4 | May 11, 2026 | - | - | |
| 10-Q | May 4, 2026 | Mar 31, 2026 | Analysis | |
| 8-K | May 4, 2026 | - | Analysis | - |
| 8-K | Apr 27, 2026 | - | Analysis | - |
| SC 13D | Apr 15, 2026 | - | - |
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RPAY SEC filings: frequently asked questions
Are RPAY insiders buying or selling?
In the last 90 days, Repay Holdings Corp (RPAY) officers, directors and 10% owners reported no open-market purchases and 2 open-market sales worth $142,198 by 1 insider on Form 4. Many insider sales are pre-planned or for taxes, so purchases usually carry more information.
Which institutions hold RPAY stock?
As of June 30, 2026, the largest Repay Holdings Corp (RPAY) holders among the 13F filers tracked by SignalX were BlackRock ($26.3 million), AQR Capital Management ($18.9 million), Vanguard Capital Management LLC ($13.0 million), Dimensional Fund Advisors ($12.1 million), State Street Corp ($8.3 million). 13F-HR reports are filed up to 45 days after each quarter ends.
What was RPAY's revenue in fiscal year 2025?
For the fiscal year ended December 31, 2025 (FY2025), Repay Holdings Corp (RPAY) reported revenue of $309.3 million (down 1.2% from FY2024) and a net loss of $256.7 million. Diluted EPS was -$3.00. The figures come from the XBRL data in the 10-K.
What did RPAY report in its latest 8-K?
Repay Holdings Corp (RPAY) filed an 8-K on August 17, 2026. Audited KUBRA financials cover fiscal years ended December 31, 2025 and 2024, supporting Repay’s acquisition-related reporting.
What are the latest RPAY SEC filings?
Repay Holdings Corp (RPAY) filed its latest 10-K annual report on March 9, 2026, a 10-Q quarterly report on August 10, 2026, an 8-K current report on August 17, 2026 and a Form 4 insider filing on September 21, 2026.
What is RPAY's SEC CIK number?
Repay Holdings Corp (RPAY)'s SEC Central Index Key (CIK) is 1720592. EDGAR lists every RPAY filing under that number.
Ask anything about RPAY
The research agent reads RPAY's filings, financials, insider trades and 13F holders, then answers with sources.