Risk factors

Repay Holdings (RPAY) risk factors

Item 1A of every Repay Holdings Corp. 10-K on file, and what changed from one year to the next.

  • FY2025 10-K risk factors

    47 risks, 7 new, 6 dropped, 12 reworded since the prior year. Repay Holdings faces new risks around variable interest debt tied to SOFR, 2029 Notes conversion liabilities, and Tax Receivable Agreement acceleration triggers. Stock price volatility ranges shifted from a prior high of $11.05 down to $7.70 in the updated period.

    Filed Mar 09, 2026
  • FY2024 10-K risk factors

    46 risks. Competition, data security, and rapid technological changes dominate Repay Holdings Corp's risk profile as a payment processor.

    Filed Mar 03, 2025