Stock Ratings / Consumer Discretionary / MMS / financials

FOUR (56) CBZ (71) TNET (57) BFH (61) ⌘ Pro Terminal →

Maximus Inc. (MMS) Revenue-to-Profit Sankey Flow & SEC XBRL Financials

$62.84 +1.67% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $63.18

Maximus Inc. (MMS) earns a Roarable Rating of B+ (Buy) with 76/100 RQD Confidence. High-quality cash engine (25% profit margin, 14% return on capital) with steady institutional support. The company’s underlying cash engine and institutional positioning keep the composite score in the Green Buy zone.

📊 Historical Track Record: Scores of 76/100 (B+) historically ranked in the Top 11% of excess returns over the next 90 days (+7.6% avg 90D alpha vs SPY • 70.0% hit rate) →

ROARABLE B+ • BUY Cap $3.29B

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on MMS Below — or Connect Your Own ChatGPT / Claude

🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is MMS stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

▼

As of 2026-11-01, Maximus Inc. (NYSE: MMS) is rated B+ (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 76/100 at a spot price of $62.84 (+1.67% 1D, market cap $3.29B). Pillar breakdown: Fundamental Cash Engine 14/20, Institutional 13F & Options Flow 13/20, Executive Insider Alignment 15/20, FRED Macro Regime Fit 16/20, and SEC Balance-Sheet Forensics 18/20. Across 1011 tracked Consumer Discretionary issuers, MMS ranks #67 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief

🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does MMS compare to FOUR and CBZ in the Consumer Discretionary sector?

▼

Within the Consumer Discretionary sector (Business Services), MMS carries a Roarable B+ (76/100 RQD), trailing P/E of 10.3x, gross margin of 24.6%, and ROIC of 13.5%. By comparison, FOUR (Shift4 Payments Inc. (Class A)) holds a D+ grade (56/100 RQD, P/E 21.1x, ROIC 5.5%, cap $3.10B) and CBZ (CBIZ Inc.) posts a B- grade (71/100 RQD, P/E 25.8x, ROIC 5.9%, cap $2.98B). Among the 5-stock peer group, BFH leads on earnings multiple (7.7x) while TNET leads on capital efficiency (85.0% ROIC).

✓ Pre-computed one-to-many AI Quant brief

🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for MMS?

▼

Per MMS's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-09-30, CIK 0001032220), Maximus Inc. generated $5.43B in revenue (+2.4% YoY), $319.0M in net income, and $429.4M in free cash flow against $4.21B in total assets and $1.51B in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief

🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $63.18 (+0.54%)🧬 Cannibal Buyback (-2.92% YoY Shares)⚙️ Cash Engine: 14/20 (B-) • 7.9% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 76/100 (B+) historically ranked in the Top 11% of excess returns over the next 90 days (+7.6% avg 90D alpha vs SPY • 70.0% hit rate).

Audit Bucket Track Record →

RQD QUANT TACHOMETERBUY • B+

3-of-3 JEV AI Jury Bullish

Cash

SEC

Whale

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

5-PILLAR SNOWFLAKE RADARRw B · Rk B+

Each axis scored 0–20

12M PRICE TARGET CONE+8.1% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for MMS)Realized 20D OHLCV Swing Band: ±6.5%

Deterministic 5-Pillar Attribution (76/100 Composite)

🔍 WHY MMS SCORES 76/100 (B+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Insider Conviction & Share Dilution+18/20 pts (24% of score)

SEC Form 4 / 13F Thermometer: 86% Net Buy • Cannibal Buyback (-2.92% YoY Shares)

▲ #2 Bullish Driver: Macro Regime Fit+16/20 pts (21% of score)

FRED Regime × Technicals: 24% of 52W Range • RSI-14 at 67 (BULLISH MOMENTUM)

▼ #1 Drag / Risk Factor: Whale & Options Positioning13/20 pts (-7 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-7 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade B-$59.39+3.5% Next Q

Q2 (-2Q)

Grade B$61.47+2.5% Next Q

Q3 (-1Q)

Grade B$63.02-0.3% Next Q

Current

Grade B+$62.84+7.6% Hist 90D α

Trajectory: B- (68) → B+ (76)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the MMS Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 76/100 (B+) score, MMS faces multiple-compression risk if 10.3x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.92% YoY Shares) — any gross margin slip below 22.1% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($57.91) or 200D SMA ($64.82) invalidates the momentum regime and cuts Target Base ($67.93) toward Bear Floor ($51.53).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $MMS• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “MMS Beats Next Quarter EPS Consensus (Dec 29, 2026) & Holds Above 200D SMA”

YES 76%NO 24%Trade / Inspect Odds →

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

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

Free Cash Flow:$429.4M (7.9% FCF Margin)

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

■ Revenue■ Net Profit■ Free Cash Flow

FY23

Rev $4.90B

FY24

Rev $5.31B

FY25

Rev $5.43B

Fiscal Year	Revenue	Gross Margin	Op Margin	Net Profit	Free Cash Flow	ROIC %
FY 2025	$5.43B	24.6%	9.7%	$319.0M	$429.4M	13.5%
FY 2024	$5.31B	23.6%	9.2%	$306.9M	$515.3M	13.2%
FY 2023	$4.90B	24.6%	6%	$161.8M	$314.3M	13.5%

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring MMS)

✓Walkthrough of MMS's RQD Radar, SEC cash-conversion gap & downside invalidation levels
✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

MMS // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -4.24%📐 HORIZONTAL RANGE

2026-10-30O $63.66H $64.43L $62.84C $62.84VOL 393.7K

RES: $64.54SUP: $50.39SMA50: $57.91SMA200: $64.82

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

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

🦋 MMS Butterfly Map → + Track MMS →

Share Count & Dilution Monitor (#25)

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

Reverse-DCF Expectations Hurdle (#30)

-0.6%/yr Implied 5Y Growth

vs. +2.4% 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 MMS today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

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

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for MMS today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

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

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

Consumer Discretionary Rank #67 of 1011 ⚔️ FOUR vs MMS Full Matrix →

1. Head-to-Head Consumer Discretionary Peer Comparison (MMS vs. FOUR, CBZ, TNET, BFH)

Industry: Business Services (90 Tracked Issuers)

Across 1011 tracked Consumer Discretionary securities in the Roarable RQD universe, Maximus Inc. (MMS) ranks #67 by composite RQD confidence (76/100, grade B+) and #343 by equity capitalization ($3.29B). Within this direct 5-issuer industry benchmark cohort, BFH leads on earnings valuation at 7.7x trailing P/E, while TNET leads on capital efficiency and profitability with 85.0% ROIC and — gross margin. MMS currently leads its immediate peer cohort in composite quantitative strength at 76/100 (B+).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
MMS ACTIVE Maximus Inc.	B+	76/100	10.3x	24.6%	13.5%	+1.67%	$3.29B	Benchmark Subject
FOUR Shift4 Payments Inc. (Class A)	D+	56/100	21.1x	—	5.5%	+2.96%	$3.10B	/four-vs-mms →
CBZ CBIZ Inc.	B-	71/100	25.8x	12.9%	5.9%	+0.06%	$2.98B	/cbz-vs-mms →
TNET TriNet Group Inc.	D+	57/100	18.9x	—	85.0%	-9.53%	$2.92B	/tnet-vs-mms →
BFH Bread Financial Holdings Inc.	C-	61/100	7.7x	—	6.4%	+0.89%	$4.01B	/bfh-vs-mms →

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

SEC EDGAR 10-K • FILED 2025-09-30 • CIK 0001032220

In its most recent audited fiscal period (FY2025, filed 2025-09-30), Maximus Inc. (MMS) reported GAAP revenue of $5.43B (+2.4% vs. FY2024 revenue of $5.31B , and +10.7% cumulative change since FY2023) , GAAP net income of $319.0M, operating cash flow of $429.4M, and free cash flow of $429.4M (-16.7% YoY). On the balance sheet, MMS closed FY2025 with $4.21B in total assets against $1.51B in total debt (Altman Z-Score: 3.10, Piotroski F-Score: 7/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-09-30	$5.43B	$319.0M	$429.4M	$429.4M	$4.21B	$1.51B
FY2024 (FY)	2024-09-30	$5.31B	$306.9M	$515.3M	$515.3M	$4.06B	$1.35B
FY2023 (FY)	2023-09-30	$4.90B	$161.8M	$314.3M	$314.3M	—	—

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

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

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

How does MMS compare to FOUR and CBZ in the Consumer Discretionary sector?

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

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

MMS last traded at $62.84 (+1.67% on volume of 401,127 shares), positioning the stock +8.51% above its 50-day simple moving average ($57.91) and -3.05% below its 200-day simple moving average ($64.82). Across its 52-week range of $51.04 to $100.00, MMS sits at the 24.1% percentile with a 14-day RSI of 67.0 (BULLISH MOMENTUM) and an implied next-earnings move of ±6.5% ($58.76 to $66.92).