Welcome to our dedicated page for Katapult Holdings SEC filings (Ticker: KPLT), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
The Katapult Holdings, Inc. (NASDAQ: KPLT) SEC filings page provides access to the company’s official regulatory disclosures, including Forms 10-K, 10-Q, and 8-K. Katapult is an e-commerce-focused financial technology company that operates a lease-to-own platform for non-prime consumers, and its filings offer detailed insight into how this business is structured, financed, and governed.
Investors can review Current Reports on Form 8-K that describe material events such as the November 3, 2025 preferred stock investment by a subsidiary of Hawthorn Horizon Credit Fund, LLC, amendments and waivers to Katapult’s Amended and Restated Loan and Security Agreement, and changes to its board of directors. Other 8-K filings cover quarterly earnings releases, where the company furnishes financial results and key operating metrics.
This page is also the place to track documents related to Katapult’s announced all-stock business combination with The Aaron’s Company, Inc. and CCF Holdings LLC. In connection with that transaction, Katapult has filed an 8-K summarizing the Agreement and Plan of Merger and has indicated that it will file a registration statement on Form S-4 containing a joint proxy statement/prospectus for stockholder approval of the stock issuance and related matters.
Users interested in capital structure and insider-related information can use Katapult’s filings to understand the terms of its Series A and Series B Convertible Preferred Stock, dividend provisions, conversion mechanics subject to Nasdaq rules, and ranking relative to common stock. Filings also discuss lender conversion rights under the company’s loan agreement and the impact of covenant waivers on potential equity issuance.
Stock Titan’s platform surfaces these SEC documents as they are posted to EDGAR and can pair them with AI-generated summaries that explain complex sections in plain language. That includes highlighting key points from annual reports (Form 10-K), quarterly reports (Form 10-Q), and transaction-related filings, helping readers quickly identify items such as risk factor updates, liquidity discussions, and merger conditions without reading each document in full.
Katapult Holdings, Inc. is asking stockholders to vote at its virtual 2026 Annual Meeting on April 30, 2026. Investors will elect Class II director nominee Derek Medlin to serve until the 2029 meeting, ratify Grant Thornton LLP as auditor for 2026, and approve a non-binding say‑on‑pay resolution.
The proxy also highlights a previously announced merger agreement under which Aaron’s and CCFI will become wholly owned subsidiaries, with existing Katapult stockholders, CCFI unitholders and Aaron’s stockholders expected to own approximately 6.0%, 79.9% and 14.1% of the combined company on a fully diluted basis. The post‑merger board is expected to expand to nine members with a new classified structure.
Katapult emphasizes governance practices such as a majority‑independent board, fully independent key committees, strict insider trading and anti‑hedging policies, equity ownership guidelines for directors and executives, and a clawback policy tied to accounting restatements. Holders of 4,402,543 voting shares of common stock as of March 16, 2026 are entitled to one vote per share at the meeting.
Katapult Holdings, Inc. disclosed an all-stock merger transaction with Aaron’s and CCF Holdings and posted related forward-looking statements. The company says it expects to file a registration statement on Form S-4 and to call a special meeting of stockholders to seek shareholder approval.
The communication describes customary risks and closing conditions, notes potential regulatory and litigation risks, and directs investors to read the forthcoming proxy statement and Form S-4 when filed.
Katapult Holdings, Inc. files its 2025 annual report outlining a technology-driven lease-to-own platform serving U.S. nonprime consumers through e-commerce and app-based channels. The company estimates a $50–$60 billion addressable virtual LTO market and currently captures less than 1% share based on 2025 gross originations.
Katapult has signed a definitive agreement to merge with CCF Holdings LLC and Aaron’s Intermediate Holdco, Inc., which, if completed, would make both businesses wholly owned subsidiaries and materially expand scale and omnichannel reach. The Mergers are subject to customary stockholder and regulatory approvals and are expected to close in the second quarter of 2026, though completion is not assured.
The report details significant financing arrangements, including a $78.7 million revolving credit facility outstanding as of December 31, 2025, with strict covenants and prior covenant waivers, and high-cost Series A and Series B Convertible Preferred Stock accruing dividends at least 18% annually until specified approvals. Katapult highlights concentration risk with Wayfair as its largest merchant partner, regulatory exposure across 46 states, and extensive risk factors tied to the pending Mergers, preferred stock, leverage, technology, regulation and data privacy.
Katapult Holdings reported stronger fourth quarter and full-year 2025 results and highlighted its pending merger with Aaron’s and CCF Holdings. Fourth quarter gross originations were $77.9 million, up 3.7%, and revenue was $73.9 million, up 17.3%. Net income for the quarter was $19.8 million, compared with a net loss of $9.6 million a year earlier, helped by gains on derivative liabilities and term loan extinguishment.
For 2025, gross originations reached $278.5 million, up 17.3%, and revenue was $291.8 million, up 18.0%. Net income was $1.4 million versus a $25.9 million loss in 2024, while adjusted EBITDA improved to $12.4 million from $4.8 million. Fixed cash operating expenses fell 11.8%, and cash used in operations improved to $11.9 million from $32.6 million.
The company described macro headwinds for nonprime consumers, including high inflation and a challenging labor market, which tempered holiday growth. It expects its pending all-stock mergers with The Aaron’s Company and CCF Holdings, targeted to close in the second quarter of 2026, to create a scaled omnichannel platform. Katapult stockholders are expected to own 6% of the combined company, which is projected to have more than $4 billion in pro forma revenue and approximately $450 million in pro forma adjusted EBITDA for the last twelve months as of the third quarter of 2025.
Katapult Holdings, Inc. Chief Operating Officer Derek Medlin reported a tax-related share disposition under an equity award program. On February 15, 2026, 1,890 shares of common stock were withheld at a price of $6.51 per share to cover taxes tied to previously granted restricted stock units (RSUs). These RSUs relate to awards granted in 2022, 2023 and 2024, which vest over time so long as Medlin remains employed by the company on each vesting date. After this withholding event, Medlin directly owned 53,921 shares of Katapult common stock.
Katapult Holdings, Inc. Chief Financial Officer Nancy A. Walsh reported a tax-related share disposition. On February 15, 2026, 2,492 shares of common stock were withheld at $6.51 per share to cover tax liabilities, leaving her with 36,528 shares of common stock held directly.
The tax withholding relates to previously granted equity awards. These include RSUs granted on January 31, 2023 (18,367 RSUs after a 1-for-25 reverse stock split), PSUs granted on June 16, 2023 (20,455 PSUs after the split), and 23,000 RSUs granted on May 6, 2024. These awards vest over time based on continued employment and, for PSUs, achievement of performance goals.
Katapult Holdings CEO Orlando Zayas reported a tax-related share disposition. On February 15, he had 3,096 shares of Katapult common stock withheld at $6.51 per share to cover taxes tied to vested restricted stock units from prior equity awards.
These shares were withheld in connection with the 2022, 2023 and 2024 RSU awards rather than sold in the open market. After this withholding, Zayas directly owns 131,552 shares of Katapult common stock.
Katapult Holdings, Inc. entered into an Eighth Limited Waiver to its Amended and Restated Loan and Security Agreement on February 13, 2026. The waiver was negotiated after the company and its related credit parties failed to maintain the required Minimum Trailing Three-Month Net Originations as of January 31, 2026.
The Eighth Limited Waiver permanently waives this existing default under the loan agreement, which is led by Midtown Madison Management LLC and other lenders. The waiver helps keep the credit facility in place despite the covenant breach, but also highlights pressure on Katapult’s recent origination volumes.
Katapult Holdings, Inc. disclosed that it failed to maintain the required Minimum Trailing Three-Month Net Originations as of the last business day of the month ended December 31, 2025 under its Amended and Restated Loan and Security Agreement.
On January 15, 2026, the company and its affiliates entered into a Seventh Limited Waiver with Midtown Madison Management LLC and the other lenders. This agreement, among other things, permanently waives the related “Existing Default” defined in the waiver, preventing that covenant breach from triggering lender remedies under the loan agreement.
Katapult Holdings outlined executive changes and incentives tied to its previously announced all-stock merger with Aaron’s and CCF Holdings. The board approved a $400,000 retention award for President and Chief Growth Officer Derek Medlin, payable in three installments of $80,000 on January 9, 2026, $160,000 at merger closing, and $160,000 six months after closing, conditional on his continued employment and not being terminated for cause or resigning before each payment date.
Chief Accounting Officer Kaitlin Folan will resign effective January 19, 2026, with the company stating her decision did not stem from any disagreement over operations, policies, or practices. Art Goss, currently Vice President, Internal Audit and a prior interim Chief Accounting Officer in 2024, will again serve as interim Chief Accounting Officer from January 19, 2026 and receive a $5,000 monthly stipend for six months. The company also reiterates forward-looking risk factors and that it will file a registration/proxy statement and call a special stockholder meeting to seek approval of the merger.