← BackRepay Holdings Corp · Business Services, NECRPAY
Moderate riskNext report: Nov 9 (confirmed)
The short versionA company still losing money with growing sales.
Going well
- Sales up 33% in the latest quarter vs a year ago
- Buying back shares: share count down 23% in 3 years
Watch out for
- Losing money, losses are large next to sales
- Bills due within a year exceed short-term assets
Money moves
- Insiders sold $56K in the last 30 days, all through pre-planned sales
- Institutions added 0% to their holdings in the quarter ending June 2026 (75 bought, 66 sold)
Facts from SEC filings, not a recommendation.
The business over time
Last 12 quarters, from SEC filings
Sales, Jun '26$100.7M+33% vs a year earlier
Sep '23Tap a barJun '26
Last 12 months: $337.8M, up 8.8% from the 12 months before. Over 5 years, sales grew about 15% a year.
Business quality
The checklist Warren Buffett-style investors use. Annual numbers for 2025.- MissReturn on equity 15%+Earns a lot on the money owners have in the business.-41.2%
- MissDebt under half of equityNot relying on borrowed money.0.58x equity
- MissNet margin 10%+Keeps at least 10 cents of profit from each dollar of sales.-83.0%
- MissProfitable every yearSteady profits, not one good year.3 of 8 years
- PassFree cash flow positiveBrings in more cash than it spends to run and grow.$90.8M
- PassShare count not growingNot diluting owners. Falling means buybacks.-22.7% in 3 years
- PassGross margin 40%+Pricing power: sells for well above what it costs to make.75.0%
- Revenue
- $309.3M
- -1.2% vs prior year
- 5-year growth
- +14.8%/yr
- revenue, per year
- Total debt
- $280.1M
- 0.58x equity
- Current ratio
- 0.82x
- short-term assets / bills due
From annual reports filed with the SEC. A checklist is a starting point for research, not a verdict.
Latest quarter
Quarter ended Jun 30, 2026- Revenue
- $100.7M
- +33.2% YoY
- EPS
- -$0.13
- vs -$1.15
- Op. margin
- -3.2%
- +135.5 pts
- Gross margin
- 70.1%
- -5.6 pts
- Free cash flow
- $38.1M
- Share count
- -6.0%
- vs a year ago
Insider rating
Last 90 days
48Mixed
- Pre-planned sales of $56K (weaker signal)
50 is neutral. Buying by more insiders, top executives and bigger stakes raises it. Selling lowers it; pre-planned sales count less.
Weekly insider trend13 weeks agoBoughtSoldThis week
Filing buzz
Last 7 days vs normal
0/ 100
- This week
- 0
- Normal week
- 1.1
- vs normal
- 0.0x
SEC filings of any kind. 50 means a normal week.
Institutional ownership
■Steady0.0%Institutions added 0.0% to their holdings. 75 bought, 66 sold. 6 quarters of net selling in a row.
Shares held by institutions71.9M
Sep '24Jun '26
Share count growthYearly rate, last 3 years
-2.2%Cash runwayAt last year's cash burn
Cash flow positiveDebt to equityLatest balance sheet: debt compared with what owners have
0.7x · $310.0M debtShares outstandingLatest reported
83.3BWhy moderate risk- Losing money, losses are large next to sales
- Results filedAug 10
- Results filedMay 4
- Results filedApr 27
- Results filedMar 9
- Results filedNov 10, 2025
Insider trades
Open-market buys and sells, last 90 days Bought$00 insiders
Sold$56K1 insider, 1 pre-planned
| Insider | Trade | Shares | Avg price | Value | Owns after | Date |
|---|
Tyler B DempseyGeneral Counsel | Sell | 14K | $4.00 | $56K | 441K | |
- -3.1% of their holdings
- $4.00 to $4.05 across 3 trades
- Traded Oct 13 to Oct 15
- Pre-planned sale (10b5-1)
- Filed same day
|
"Owns after" is the insider's holding right after the trade. Pre-planned (10b5-1) sales are set up months ahead, a weaker signal.