---
schema_version: "secwatch.filing_event.v1"
accession: "0001193125-25-274223"
form_type: "8-K"
ticker: "RPAY"
cik: "0001720592"
company_name: "Repay Holdings Corp"
filed_at: "2025-11-10T23:59:59+00:00"
generated_at: "2026-05-16T22:29:21.360687+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# REPAY Q3 2025 revenue $77.7M, net loss $6.6M; retires $73.5M of notes

## Summary
- Revenue of $77.7M vs $79.1M in Q3 2024; gross profit $57.8M.
- Net loss of $6.6M vs net income of $3.2M in Q3 2024; Adjusted EBITDA $31.2M (down 11% YoY).
- Retired $73.5M of convertible notes and repurchased $15.6M of shares during Q3.
- Free Cash Flow of $20.8M (67% conversion); operating cash flow $32.2M.
- Company refining outlook for sustainable growth in Q4 2025; no specific guidance provided.

## SEC filing metadata
- accession: 0001193125-25-274223
- form_type: 8-K
- ticker: RPAY
- cik: 0001720592
- company_name: Repay Holdings Corp
- filed_at: 2025-11-10T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1720592/000119312525274223/0001193125-25-274223-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1720592/000119312525274223/rpay-20251110.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-25-274223
- JSON: https://secwatch.observer/filing/0001193125-25-274223.json
- Plain text: https://secwatch.observer/filing/0001193125-25-274223.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.