Event-Driven Stocks

Repay Holdings Corp

RPAYNasdaq

Industrials · Services-Business Services, NEC · DE · SEC filings ↗ · Compare ⊕

View price & chart on Yahoo Finance ↗
Signs● 2 good● 3 warning● 2 severedetails ↓

Financials

SEC XBRL · annual
 FY25FY24FY23FY22FY21FY20
Revenue$309.3M$313.0M$296.6M$279.2M$219.3M$155.0M
Operating income−$254.7M−$7.8M−$111.4M−$47.2M−$54.0M−$32.0M
Net income−$256.7M−$10.2M−$110.5M$12.8M−$50.1M−$105.6M
Total assets$1.20B$1.57B$1.52B$1.63B$1.69B$1.11B
Total liabilities$718.0M$798.7M$689.0M$698.5M$772.8M$553.8M
Equity$484.4M$761.3M$815.1M$894.6M$874.0M$509.3M
EPS (diluted)$-3.00$-0.11$-1.23$0.12$-0.60$-2.02
Shares out.85.56B89.92B90.05B110.67B83.32B52.18B

Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.

Key ratios

from filings · FY2025
Operating margin
−82.4%
Net margin
−83.0%
Return on equity
−53.0%
Return on assets
−21.4%
Return on capital (ROCE)
−26.6%
Liabilities / assets
59.8%
Debt / equity
1.48×
Book value / share
$0.01
Revenue growth (YoY)
−1.2%
Net income growth (YoY)
—

Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.

Financial health

forensic scores · FY2025
Altman Z″ (distress)
-2.56distress
Accruals / assets
−29.0%clean
Beneish M-Score
-3.87normal
Piotroski F-Score
4/9mixed

Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.

Quality score

EDS Score
50
/ 100
Profitability 0Growth 0Catalyst 100Earnings quality 100Financial strength 50

Our own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast.

Signs

● 2 severe● 3 warning● 2 good
  • Altman Z″ in the distress zone
  • Filed a late-filing notice (Form NT) — missed an SEC deadline
  • Operating losses (negative operating margin)
  • Reported a net loss
  • Revenue declined year-over-year
  • Positive operating cash flow
  • Clean earnings (low accruals)

Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.

Risk flags

late SEC filings

A Form NT means the company notified the SEC it would file a periodic report late — often an accounting, audit or liquidity warning sign. Also search SEC enforcement actions for this company.

5%+ owners

SEC Schedule 13D / 13G · last 3 yrs

Holders who disclosed a 5%+ stake. 13D signals intent to influence or control; 13G is a passive holding. Latest filing per holder — open it for the exact stake.

Insider transactions

SEC Form 4 · most recent
3 acquisitions9 disposals3 open-market buy(s)net −608,379 shares · last 12
InsiderDateTypeSharesPrice
Morrow Matthew EdwardOfficer — Executive Vice PresidentMay 12, 2026Grant260,416$0.00
Sullivan Thomas EugeneOfficer — Chief Accounting OfficerMay 7, 2026Tax withholding3,897$3.49
Forager Fund, L.P.10% ownerApr 7, 2026Buy350,000$2.42
Forager Fund, L.P.10% ownerApr 1, 2026Buy488,391$2.54
Forager Fund, L.P.10% ownerMar 25, 2026Buy174,779$2.92
Sullivan Thomas EugeneOfficer — Chief Accounting OfficerMar 19, 2026Tax withholding4,670$2.65
Barnett NaomiOfficer — Executive Vice PresidentMar 19, 2026Tax withholding3,313$2.65
Dempsey Tyler BOfficer — General CounselMar 19, 2026Tax withholding5,723$2.65
Guthrie David MOfficer — Chief Technology OfficerMar 19, 2026Tax withholding6,627$2.65
Morris John Andrew Sr.Officer — Chief Executive OfficerMar 19, 2026Tax withholding51,905$2.65
Sullivan Thomas EugeneOfficer — Chief Accounting OfficerMar 11, 2026Grant91,549$0.00
Barnett NaomiOfficer — Executive Vice PresidentMar 11, 2026Grant128,961$0.00

Headline trade per Form 4 (officers, directors, 10%+ owners). Buy/sell read from the filing's structured data — blank where a field isn't cleanly tagged.

Short interest

FINRA · bi-monthly
SettlementShares shortDays to coverΔ vs prior
May 15, 20264.6M5.8-8.3%
Apr 30, 20265.1M1.4-3.1%
Apr 15, 20265.2M2.8-8.1%
Mar 31, 20265.7M4.6+6.9%
Mar 13, 20265.3M3.0-7.5%

Shares sold short as reported to FINRA. Days-to-cover = short shares ÷ average daily volume — higher means more potential squeeze pressure.

Material events

SEC Form 8-K · most recent

Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.

Recent SEC filings

All filings ↗

Event-driven situations (1)