secwatch.observer — SEC 8-K summary
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Issuer:     Repay Holdings Corp (RPAY)
CIK:        0001720592
Form:       8-K
Filed at:   2025-11-10T23:59:59+00:00
Accession:  0001193125-25-274223
Event type: earnings
Sentiment:  neutral
Materiality: 0.65
Item codes: 2.02, 7.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1720592/000119312525274223/0001193125-25-274223-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1720592/000119312525274223/rpay-20251110.htm
  HTML page:      https://secwatch.observer/filing/0001193125-25-274223

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer