---
schema_version: "secwatch.filing_event.v1"
accession: "0001193125-26-098510"
form_type: "8-K"
ticker: "RPAY"
cik: "0001720592"
company_name: "Repay Holdings Corp"
filed_at: "2026-03-09T23:59:59+00:00"
generated_at: "2026-05-15T17:59:29.317406+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# REPAY Q4 2025 net loss $148.3M on goodwill impairment; revenue flat YoY, guides double-digit 2026 growth

## Summary
- Revenue $78.6M vs $78.3M Q4 2024, essentially flat YoY.
- Net loss of $148.3M includes $138.9M goodwill impairment in Consumer Payments segment.
- Adjusted EBITDA $32.4M down from $36.5M YoY; free cash flow $13.8M vs $23.5M.
- Free cash flow conversion fell to 43% from 64% a year ago.
- 2026 outlook: expects double-digit reported revenue growth and positive free cash flow.

## SEC filing metadata
- accession: 0001193125-26-098510
- form_type: 8-K
- ticker: RPAY
- cik: 0001720592
- company_name: Repay Holdings Corp
- filed_at: 2026-03-09T23:59:59+00:00
- event_type: earnings
- sentiment: negative
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1720592/000119312526098510/0001193125-26-098510-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1720592/000119312526098510/rpay-20260309.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-26-098510
- JSON: https://secwatch.observer/filing/0001193125-26-098510.json
- Plain text: https://secwatch.observer/filing/0001193125-26-098510.txt

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