secwatch.observer — SEC 8-K summary
======================================

Issuer:     Repay Holdings Corp (RPAY)
CIK:        0001720592
Form:       8-K
Filed at:   2026-03-09T23:59:59+00:00
Accession:  0001193125-26-098510
Event type: earnings
Sentiment:  negative
Materiality: 0.75
Item codes: 2.02, 7.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

- 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.

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1720592/000119312526098510/0001193125-26-098510-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1720592/000119312526098510/rpay-20260309.htm
  HTML page:      https://secwatch.observer/filing/0001193125-26-098510

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