Stock Ratings / Consumer Discretionary / KPLT / financials

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Katapult Holdings Inc. (KPLT) Revenue-to-Profit Sankey Flow & SEC XBRL Financials

$12.52 +37.58% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot)

Katapult Holdings Inc. (KPLT) carries a Roarable Rating of D (Sell) with 48/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

ROARABLE D • SELL / AVOID Cap $1.06B

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INTERACTIVE SCENARIO DECK:

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RQD QUANT TACHOMETERSELL / AVOID • D

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Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw D- · Rk D+

Each axis scored 0–20

12M PRICE TARGET CONE-4.5% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for KPLT)Realized 20D OHLCV Swing Band: ±12.5%

VISUAL REVENUE-TO-PROFIT SANKEY WATERFALL • FY 2025 (10-K)

How KPLT Turns Every Dollar of Sales Into Real Bottom-Line Profit

Free Cash Flow:$0 (0% FCF Margin)

Multi-Year SEC EDGAR XBRL Revenue, Net Profit & Free Cash Flow Trajectory

■ Revenue■ Net Profit■ Free Cash Flow

FY23

Rev $221.6M

FY24

Rev $247.2M

FY25

Rev $291.8M

Fiscal Year	Revenue	Gross Margin	Op Margin	Net Profit	Free Cash Flow	ROIC %
FY 2025	$291.8M	17.7%	-0.2%	$1.4M	-$12.0M	-45%
FY 2024	$247.2M	18.5%	-3.3%	-$25.9M	-$32.6M	-45%
FY 2023	$221.6M	17.7%	-8.5%	-$36.7M	-$17.4M	-0.8%

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✓Walkthrough of KPLT's RQD Radar, SEC cash-conversion gap & downside invalidation levels
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KPLT // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +75.10%▲ RESISTANCE BREAKOUT

2026-10-30O $12.20H $12.52L $9.92C $12.52VOL 545.8K

RES: $11.81SUP: $3.40SMA50: $6.85SMA200: $6.74

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

KPLT Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 KPLT Butterfly Map → + Track KPLT →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

8.0%/yr Implied 5Y Growth

vs. +18.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on KPLT today. View full Setup Ledger →

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No direct multi-tier Butterfly edges indexed yet for KPLT. Explore sector supply chains on /butterfly.

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DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (KPLT)

Consumer Discretionary Rank #682 of 1011 ⚔️ UPBD vs KPLT Full Matrix →

1. Head-to-Head Consumer Discretionary Peer Comparison (KPLT vs. UPBD, PRG, ARLO, CTOS)

Industry: Diversified Commercial Services (32 Tracked Issuers)

Across 1011 tracked Consumer Discretionary securities in the Roarable RQD universe, Katapult Holdings Inc. (KPLT) ranks #682 by composite RQD confidence (48/100, grade D) and #503 by equity capitalization ($1.06B). Within this direct 5-issuer industry benchmark cohort, PRG leads on earnings valuation at 8.9x trailing P/E, while PRG leads on capital efficiency and profitability with 37.3% ROIC and — gross margin. PRG currently holds the highest overall quantitative score in the immediate peer group at 80/100 (B+) compared with KPLT at 48/100 (D).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
KPLT ACTIVE Katapult Holdings Inc.	D	48/100	—	17.7%	-0.8%	+37.58%	$1.06B	Benchmark Subject
UPBD Upbound Group Inc.	B+	79/100	16.0x	48.4%	30.7%	+18.16%	$1.16B	/upbd-vs-kplt →
PRG PROG Holdings Inc.	B+	80/100	8.9x	—	37.3%	+8.42%	$1.31B	/prg-vs-kplt →
ARLO Arlo Technologies Inc.	C+	68/100	106.3x	44.0%	6.0%	+8.14%	$1.59B	/arlo-vs-kplt →
CTOS Custom Truck One Source Inc.	C-	61/100	—	28.5%	4.1%	+1.39%	$2.48B	/ctos-vs-kplt →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001785424

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Katapult Holdings Inc. (KPLT) reported GAAP revenue of $291.8M (+18.0% vs. FY2024 revenue of $247.2M , and +31.7% cumulative change since FY2023) , GAAP net income of $1.4M, operating cash flow of -$11.9M, and free cash flow of -$12.0M (+63.3% YoY). On the balance sheet, KPLT closed FY2025 with $107.9M in total assets against $0 in total debt (Altman Z-Score: 6.04, Piotroski F-Score: 3/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$291.8M	$1.4M	-$11.9M	-$12.0M	$107.9M	—
FY2024 (FY)	2024-12-31	$247.2M	-$25.9M	-$32.6M	-$32.6M	$93.2M	—
FY2023 (FY)	2023-12-31	$221.6M	-$36.7M	-$17.4M	-$17.4M	—	—

3. KPLT Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is KPLT stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-01, Katapult Holdings Inc. (NASDAQ: KPLT) is rated D (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 48/100 at a spot price of $12.52 (+37.58% 1D, market cap $1.06B). Pillar breakdown: Fundamental Cash Engine 6/20, Institutional 13F & Options Flow 16/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 10/20, and SEC Balance-Sheet Forensics 3/20. Across 1011 tracked Consumer Discretionary issuers, KPLT ranks #682 in composite RQD confidence.

How does KPLT compare to UPBD and PRG in the Consumer Discretionary sector?

Within the Consumer Discretionary sector (Diversified Commercial Services), KPLT carries a Roarable D (48/100 RQD), trailing P/E of N/A, gross margin of 17.7%, and ROIC of -0.8%. By comparison, UPBD (Upbound Group Inc.) holds a B+ grade (79/100 RQD, P/E 16.0x, ROIC 30.7%, cap $1.16B) and PRG (PROG Holdings Inc.) posts a B+ grade (80/100 RQD, P/E 8.9x, ROIC 37.3%, cap $1.31B). Among the 5-stock peer group, PRG leads on earnings multiple (8.9x) while PRG leads on capital efficiency (37.3% ROIC).

What are the biggest fundamental strengths and SEC risk factors for KPLT?

Per KPLT's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001785424), Katapult Holdings Inc. generated $291.8M in revenue (+18.0% YoY), $1.4M in net income, and -$12.0M in free cash flow against $107.9M in total assets and $0 in total debt. Key quantitative strengths: Big institutional funds and options desks are actively positioning on the bullish side.. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is KPLT trading relative to its 50-day, 200-day, and 52-week technical levels?

KPLT last traded at $12.52 (+37.58% on volume of 1,052,876 shares), positioning the stock +82.77% above its 50-day simple moving average ($6.85) and +85.76% above its 200-day simple moving average ($6.74). Across its 52-week range of $3.85 to $12.68, KPLT sits at the 98.2% percentile with a 14-day RSI of 64.8 (BULLISH MOMENTUM) and an implied next-earnings move of ±12.5% ($10.96 to $14.08).