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Ticker RPAY · Nasdaq · DE
Repay Holdings Corp is a U.S. business entity operating within the Services to Buildings & Dwellings, NEC sector (SIC 7389). Publicly traded on the Nasdaq under the ticker symbol RPAY, the company is incorporated in Delaware. Based on SEC EDGAR filings, RPAY reported fiscal year 2025 revenue of $309.3M, reflecting a year-over-year decline of 1.2%. Our proprietary Semantic Risk Score of 14 indicates high transparency and low reporting risk, derived from the frequency and consistency of 10-K, 10-Q, and 8-K filing patterns. As part of the SIC 7389 classification, Repay Holdings Corp serves as a key benchmark for investors and analysts monitoring Delaware corporate performance.
Comparison based on Standard Industrial Classification (SIC) mapping from SEC EDGAR filings.
Filing data sourced from SEC EDGAR signals. 10-K = annual report · 10-Q = quarterly · 8-K = material event.
Repay Holdings Corp (RPAY) — Key efficiency & solvency metrics · FY2025
Operating Margin
Sector avg: -20.55%
Net Margin
Sector avg: -9.47%
Debt-to-Equity
Sector avg: 2.57
Current Ratio
Sector avg: 1.54
| Key Metric | Company | Industry Avg | Status |
|---|---|---|---|
| Total RevenueYoY: -1.2% | $309.3M | $3.69B | ▼ Lagging |
| Net IncomeYoY: -2427.8% | $-256,724,000 | — | — |
| Operating MarginOperating income as % of revenue | -82.4% | -20.55% | ▼ Lagging |
| Net MarginNet income as % of revenue | -83% | -9.47% | ▼ Lagging |
| Debt-to-EquityTotal liabilities / stockholders equity. Lower = safer. | 1.48 | 2.57 | ▲ Stable |
| Current RatioCurrent assets / current liabilities. Above 1.0 = solvent. | 0.82 | 1.54 | ▼ Lagging |
Source: SEC EDGAR XBRL filings (10-K annual reports). Industry benchmarks derived from 91 companies in SIC 7389.
Disclaimer: All financial data is sourced from raw SEC EDGAR filings. Sprytne.com provides automated data visualization and algorithmic analysis for informational purposes only. This is NOT financial advice, a recommendation to buy/sell, or a guarantee of accuracy. Always verify data via official SEC sources before making investment decisions.
Federal Contracts
MEDICARE SECONDARY PAYER COMMERCIAL REPAYMENT CENTER (MSP CRC) CONTRACT
IGF::CT::IGF"CRITICAL FUNCTIONS" NSLDS PROVIDES AN INTEGRATED VIEW OF TITLE IV LOANS AND GRANTS DURING ALL STAGES OF THEIR LIFE CYCLE FROM AID APPROVAL THROUGH DISBURSEMENT, REPAYMENT, DEFAULT, AND CLOSURE. THE THREE MAIN GOALS OF THE NSLDS ARE TO: 1. IMPROVE THE QUALITY AND ACCESSIBILITY OF STUDENT FINANCIAL AID DATA. 2. REDUCE THE ADMINISTRATIVE BURDEN OF TITLE IV AID. 3. MINIMIZE ABUSE WITHIN AID PROGRAMS BY ACCURATELY TRACKING FUNDS AWARDED TO ASSIST POSTSECONDARY STUDENTS.
THE CENTERS FOR MEDICARE&MEDICAID SERVICES (CMS), OFFICE OF FINANCIAL MANAGEMENT, FINANCIAL SERVICES GROUP, DIVISION OF MEDICARE SECONDARY PAYER PROGRAM OPERATIONS IS RE-COMPETING THE MEDICARE SECONDARY PAYER INTEGRATION CONTRACT, THROUGH GENERAL SERVICES ADMINISTRATION FEDERAL SUPPLY SCHEDULES, USING 8A SMALL BUSINESS SET-ASIDE. CMS IMPLEMENTED THE USE OF CENTRALIZED PROGRAM - COORDINATION OF BENEFITS&RECOVERY (COB&R) TO PERFORM THE FUNCTIONS OF THE MEDICARE SECONDARY PAYER IDENTIFICATION AND RECOVERY. THE CONTRACTS UNDER THE COB&R UMBRELLA INCLUDE FIVE SEPARATE CONTRACTORS TO PROVIDER VARIOUS ASPECTS OF THE COB&R FUNCTIONS: 1) THE BENEFITS COORDINATION RECOVERY CONTRACTOR (BCRC), 2) THE MEDICARE SECONDARY PAYER SYSTEMS CONTRACTOR (MSPSC), 3) THE COMMERCIAL REPAYMENT CENTER (CRC), 4) WORKERS COMPENSATION REVIEW CONTRACTOR (WCRC), AND 5) THE MEDICARE SECONDARY PAYER INTEGRATION CONTRACT (MSPIC).
OBLIGATIONAL FUNDING FOR HOTD COGENERATION PROJECT UNDER FSA UTILITY AREAWIDE CONTRACT GS-00P-96-BSD-0029 FOR REPAYMENT TO WASHINGTON GAS LIGHT COMPANY PER CONTRACT AMORTIZATION SCHEDULE TERMS AND CONDITIONS.
OEP/DLR - REQUEST FOR FINANCIAL & AUDITING SERVICES TO SUPPORT THE DIVISION OF LOAN REPAYMENT, LOAN REPAYMENT PROGRAMBASE YEAR PERIOD OF PERFORMANCE 9/24/07-9/23/08WITH 5 OPTION YEARS
PROVIDE A MEAN OF CONTROLLING DELIQUENT/DEFAULTED ACCOUNTS, INCLUDING MANAGING ALL TRANSACTIONS RELATED TO IDENTIFYING DEFAULTED LOANS BILLING DEFAULTED BORROROWERS, AND PROCESSING REPAYMENTS DEFAULTED FOR THOSE LOAN ASSIGNED TO ED.
IGF::CL::IGF PURPOSE OF AWARD: OD/OER/DLR - TO OBTAIN SERVICES FOR FINANCIAL&AUDITING SUPPORT SERVICES FOR THE DIVISION OF LOAN REPAYMENT.
IGF::OT::IGF THE CONTRACT SHALL FOCUS ON THE FINAL PERFORMANCE YEARS AND CLOSE-OUT OF THE HITECH PROGRAM; THE TASKS INCLUDE: MAKING PAYMENTS TO EPS AND EHS, CLOSING OUT ACCOUNTS, PROCESSING MEANINGFUL USE AUDIT AND COST REPORT AUDIT DEMAND LETTERS, COLLECTING AND REPORTING ON RECEIVABLES, DEBT REFERRALS TO THE US TREASURY, PROCESSING AND HANDLING REMEDY TICKETS, MANAGING/MONITORING EXTENDED REPAYMENT PLANS, MAKING MANUAL PAYMENTS AND MANUAL ADJUSTMENTS TO PAYMENTS, AND WORKING WITH ALL ASSOCIATED STAKEHOLDERS IN HELPING TO FINISH THE HITECH PROGRAM. THE PFDC ALSO ENSURES PROPER OVERSIGHT OF FUNDS CONTROL AND ACCOUNTING RELATED TO THESE PAYMENTS, RECOVERIES AND COMMUNICATIONS, AS WELL AS PARTICIPATING IN THE ANNUAL CHIEF FINANCIAL OFFICERS (CFO) AUDIT AND OFFICE OF MANAGEMENT AND BUDGET (OMB) CIRCULAR A123 AUDIT. THE CLOSE OUT DURING THE OPTION YEARS OF THIS CONTRACT WILL INCLUDE ADDITIONAL WORK FOR THE PFDC ASSOCIATED WITH AD HOC ACTIONS/REPORTING, NATIONAL LEVEL REPOSITORY (NLR), AND OTHER SYSTEM SUPPORT AND RESPONSIBILITIES ASSOCIATED WITH THIS CONTRACT TO ENSURE A SMOOTH PROGRAM CONCLUSION.
THE ACTION IS FOR THE DESIGN, DEVELOPMENT&IMPLEMENTATION OF A MICROSIMULATION MODEL ON FEDERAL STUDENT LOAN TO ESTIMATE BORROWER-LEVEL EVENTS DURING THE STUDENT LOAN REPAYMENT, AND USE THOSE EVENTS TO PROJECT BORROWER AND STUDENT LOAN REPAYMENT
IGF::OT::IGF POWER REPAYMENT STUDY (PRS) SOLUTION
Source: USAspending.gov (Official Federal Award Data). Reflects prime contracts only. Last sync: 2026-03-30.
Compared to 137 peers in Services to Buildings & Dwellings, NEC (SIC 7389)
Revenue
Net Margin
SEC EDGAR XBRL filings by fiscal year
Side-by-side financial showdown — revenue, margins, and growth.
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Methodology & compliance note
Data is aggregated from SEC EDGAR and Secretary of State public records. Any analytics such as "market share" are statistical estimates (proxy models) and are not official audits, valuations, or investment advice. Sprytne.com is an independent data aggregator and is not affiliated with any government agency.Learn more →