SCHEDULE: American Century Discloses 4.6% Stake in Repay Holdings

American Century Investment Management, Inc., along with its affiliates, reported a 4.6% beneficial ownership stake in Repay Holdings Corporation's Class A Common Stock as of December 31, 2025.

Summary

• American Century Investment Management, Inc., American Century Companies, Inc., and Stowers Institute for Medical Research collectively reported beneficial ownership of 3,971,655 shares of Repay Holdings Corporation's Class A Common Stock.
• This represents 4.6% of the Class A Common Stock outstanding.
• The reporting entities hold sole voting power over 3,843,327 shares and sole dispositive power over 3,971,655 shares.
• The filing indicates these securities were acquired and are held in the ordinary course of business, not for the purpose of changing or influencing control of Repay Holdings Corporation.

Sentiment

Score: 7

Explanation: StockSavvy.ai views this as moderately positive, as a significant institutional investment from a reputable firm like American Century can signal confidence in the company's long-term prospects and stability, even if it's a passive stake.

Positives

• Significant institutional investment from American Century, a reputable firm, indicating confidence in Repay Holdings Corporation's long-term prospects.
• The investment is held in the ordinary course of business, suggesting a passive, long-term investment strategy rather than an activist one.

Negatives

• The reported stake of 4.6% is below the 5% threshold, meaning American Century is not required to file a Schedule 13D, which is typically associated with activist intentions or a desire to influence control.

Risks

• This filing does not disclose specific risks related to Repay Holdings Corporation; it is a disclosure of beneficial ownership.

Future Outlook

This filing does not contain future outlook statements or guidance.

Industry Context

StockSavvy.ai notes that institutional ownership disclosures like this Schedule 13G provide transparency into significant investor positions. American Century's stake in Repay Holdings, a fintech company specializing in payment processing, reflects continued institutional interest in the digital payments sector, which is experiencing robust growth driven by e-commerce expansion and the shift away from traditional payment methods.

Stakeholder Impact

• Shareholders: Increased institutional ownership can lend credibility and potentially reduce volatility, signaling a vote of confidence from a major investor.
• Management: May feel validated by institutional interest, but the passive nature of the stake means no immediate pressure for strategic changes.

Key Dates

Recommendation

The filing indicates a significant, but passive, institutional stake by American Century. While this is a positive signal of confidence, it does not provide new fundamental information about Repay Holdings' operational performance or strategic direction that would warrant a 'buy' or 'sell' recommendation. It primarily confirms institutional interest, suggesting a 'hold' position for existing investors and a neutral stance for potential new investors awaiting further operational updates.

Keywords

Repay Holdings, American Century, Institutional Ownership, Class A Common Stock, SEC Filing, Schedule 13G, Beneficial Ownership, Payment Processing, Fintech