RPAY · CIK 0001720592 · FY2025 live · 2025-12-31
Repay Holdings Corp
View as
Model
Z″
FY2025
−2.56
Zone
Distress
Prior
—
Market DD
—
1y PD
—
−2.56
Classic Z −0.77
Z″ −2.56 · distress below 1.10, grey to 2.60, safe above.
Z″ factor contributions
X1 Working capital / assets
Short-term liquidity. Carries more weight in Z″ than in classic Z.
−0.046.56 × = −0.24X2 Retained earnings / assets
Cushion from years of profits. Share buybacks can push this negative at otherwise healthy firms.
−0.493.26 × = −1.60X3 EBIT / assets
Operating return on assets. Highest weight in Z″.
−0.216.72 × = −1.43X4 Book equity / liabilities
Book equity versus the liability stack. Sales / assets is omitted so asset-light names keep turnover from dragging the score.
0.671.05 × = 0.71
Five-year path
Need two annual 10-Ks to draw a path. The desk will pull this issuer’s filings.
Meridian Rank
20.64
0–100 · Z″ family
Book standing
19
Year change
—
Market PD
—
O-score
25
Events on this name
Same published rows as Today.
No published events on this print.
Overview
rule-v1
Repay Holdings Corp is on Z″ at −2.56 (distress) for FY2025, from an SEC 10-K. Retained earnings / assets is the line that sets the print; EBIT / assets is the runner-up. This is the first live year on the desk. No market tape loaded. Z″ omits sales/assets so asset-light names keep turnover from dragging the score. X4 is book equity on every name.
Book screen Distress; market PD —. Market PD has not been priced on this name.
Market DD · naive Merton
No market tape yet.
Pull a year of closes (Yahoo, Nasdaq if Yahoo is limited) and size equity from Nasdaq cap or EDGAR shares. Distance-to-default and 1-year PD stay blank until then.
Sector peers
Closest Z″ scores · 16th percentile in Industrials.
- SUPXDistressSuperX AI Technology Ltd−2.61
- SLNDDistressSouthland Holdings, Inc.−2.50
- SUNEDistressSUNation Energy, Inc.−2.65
- AERTDistressAeries Technology, Inc.−2.66
- TOPSDistressTOP SHIPS INC.−2.69
- JTAIDistressJet.AI Inc.−2.89
- PPHCDistressPublic Policy Holding Company, Inc.−2.95
- JETMFDistressGlobal Crossing Airlines Group Inc.−2.97
Filing line items
Current assets
$197M
Total assets
$1.2B
Current liabilities
$241M
Total liabilities
$718M
Working capital
−$44M
Retained earnings
−$591M
EBIT
−$255M
Total sales
$309M
Book equity
$484M
Accession 0001193125-26-098518. Live rank is the latest 10-K on EDGAR (FY2025, period 2025-12-31). Z″ is the live score. View as is a display overlay. X4 is book equity. Pulled 14 Sept 2026.