MARKET WIREReuters • 3h ago
Iran's IRGC Navy says two tankers 'exploded' after hitting mines in Hormuz - ReutersIran's IRGC Navy says two tankers 'exploded' after hitting mines in Hormuz Reuters
Why PAY Stock surged +2.02% Today — RQD Quant Desk Flash
$32.26 +2.02% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot)
EXT / AFTER-HRS: $32.45
Paymentus Holdings Inc. (Class A) (PAY) earns a Roarable Rating of B+ (Buy) with 79/100 RQD Confidence. High-quality cash engine (25% profit margin, 25% 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.
ROARABLE B+ • BUY
Cap $4.06B
INTERACTIVE SCENARIO DECK:
EXT / AFTER-HRS: $32.45 (+0.60%)🧬 Cannibal Buyback (-2.08% YoY Shares)⚙️ Cash Engine: 19/20 (A+) • 13.5% FCF Margin
Verify 90D Bucket Audit →📊 Historical Track Record: Scores of 79/100 (B+) historically ranked in the Top 9% of excess returns over the next 90 days (+8.1% avg 90D alpha vs SPY • 71.0% 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 A-
Each axis scored 0–20
12M PRICE TARGET CONE+9.5% Base Target
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for PAY)Realized 20D OHLCV Swing Band: ±7.5%
Deterministic 5-Pillar Attribution (79/100 Composite)
🔍 WHY PAY SCORES 79/100 (B+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Cash Engine Quality+19/20 pts (24% of score)
SEC XBRL FY 2025 (10-K): 13.5% FCF Margin ($161.8M FCF) & 24.8% Gross Margin
▲ #2 Bullish Driver: SEC 10-K Forensic Risk+18/20 pts (23% of score)
Altman Z-Score 25.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 7/9
▼ #1 Drag / Risk Factor: Whale & Options Positioning12/20 pts (-8 pt drag)
Put hedging (50% put share) caps near-term gamma upside (-8 pts vs max)
📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)Grade B$31.88-1.1% Next Q
71
Q2 (-2Q)Grade B+$31.54+5.7% Next Q
74
Q3 (-1Q)Grade B+$33.35-3.3% Next Q
76
CurrentGrade B+$32.26+8.1% Hist 90D α
79
Trajectory: B (71) → B+ (79)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 PAY Bull Thesis Could Fail
Even with a 79/100 (B+) score, PAY faces multiple-compression risk if 60.7x 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
Priced at 61x earnings—high expectations leave less room for a lukewarm quarter.
⚠️ Forensic Kill-Switch #2
Dilution & Margin Drag: Cannibal Buyback (-2.08% YoY Shares) — any gross margin slip below 22.3% triggers an automatic RQD downgrade.
⚠️ Forensic Kill-Switch #3
Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($33.74) or 200D SMA ($28.79) invalidates the momentum regime and cuts Target Base ($35.31) toward Bear Floor ($26.45).
🎲 LIVE PREDICTION MARKET ODDS TIED TO $PAY• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “PAY Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
AUTOMATED RQD QUANT DESK MOVER BRIEFINGFull Market News Desk →
Why PAY Stock surged +2.02% Today — RQD Quant Desk Flash
Paymentus Holdings Inc. (Class A) (PAY) surged +2.02% to $32.26, trading at 48% of its 52-week range ($20.11 – $45.31). High-quality cash engine (25% profit margin, 25% return on capital) with steady institutional support.
- ▸Technical Tape: Trading at 48% of its 52-week range ($20.11 – $45.31) with RSI-14 at 51.6 (NEUTRAL RANGE).
- ▸Volatility Profile: Historical 20-day realized swing band of ±7.5% around $32.26 (no active unusual options sweep snapshot on file).
- ▸Fundamental Anchor: Roarable B+ (Buy) backed by 24.8% gross margin and $161.8M annual free cash flow.
Live PAY Headlines & Catalysts
MARKET WIRECNBC • 5h ago
Here are 3 big things we're watching in the stock market in the week aheadThe market could use a few victories in the days ahead, which will be filled with more earnings, an election, and jobs data.
MARKET WIRECNBC • 5h ago
Democratic Rep. Stevens endorses Rogers over El-Sayed in Michigan Senate electionHaley Stevens had lost the Democratic nomination for Senate in Michigan to Abdul El-Sayed earlier this year.
RISK WATCHReuters • 6h ago
Israeli strikes kill eight people in Gaza - medics say - ReutersIsraeli strikes kill eight people in Gaza - medics say Reuters
MARKET WIREReuters • 7h ago
Russia's FSB says minor detained over park attack threat after US tip-off - ReutersRussia's FSB says minor detained over park attack threat after US tip-off Reuters
MARKET WIREReuters • 8h ago
Iran, Qatari mediators hold third day of talks to end US-Iran war - ReutersIran, Qatari mediators hold third day of talks to end US-Iran war Reuters
CATALYSTReuters • 9h ago
Qatar surges, bucking Gulf market slide on Iran war concerns - ReutersQatar surges, bucking Gulf market slide on Iran war concerns Reuters
MARKET WIREReuters • 9h ago
OPEC+ keeps December oil output targets steady ahead of tougher call for 2027 - ReutersOPEC+ keeps December oil output targets steady ahead of tougher call for 2027 Reuters
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk
Scheduled RQD Strong Buys & Whale Accumulation Briefing (PAY Tape Review)
- ✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
- ✓Forensic Red-Light accounting & dilution traps to review on your watchlist
- ✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
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PAY // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +15.01%🛡️ HOLDING TREND SUPPORT
2026-10-30O $32.26H $33.18L $31.88C $32.26VOL 768.7K
RES: $39.93SUP: $30.30SMA50: $33.74SMA200: $28.79
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK
PAY Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure
Share Count & Dilution Monitor (#25)
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
Reverse-DCF Expectations Hurdle (#30)
41.8%/yr Implied 5Y Growth
vs. +37.3% 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 PAY today. View full Setup Ledger →
🦋 Documented & Second-Order Butterfly Connections
Open Graph →
No direct multi-tier Butterfly edges indexed yet for PAY. Explore sector supply chains on /butterfly.
AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for PAY 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 (PAY)
Consumer Discretionary Rank #39 of 1011
⚔️ DLO vs PAY Full Matrix →
1. Head-to-Head Consumer Discretionary Peer Comparison (PAY vs. DLO, BFH, MMS, RELY)
Industry: Business Services (90 Tracked Issuers)Across 1011 tracked Consumer Discretionary securities in the Roarable RQD universe, Paymentus Holdings Inc. (Class A) (PAY) ranks #39 by composite RQD confidence (79/100, grade B+) and #309 by equity capitalization ($4.06B). Within this direct 5-issuer industry benchmark cohort, BFH leads on earnings valuation at 7.7x trailing P/E, while PAY leads on capital efficiency and profitability with 24.9% ROIC and 24.8% gross margin. PAY currently leads its immediate peer cohort in composite quantitative strength at 79/100 (B+).
| Ticker / Company | Roarable Grade | RQD Score | Trailing P/E | Gross Margin | ROIC | 1D Change | Market Cap | Head-to-Head |
|---|---|---|---|---|---|---|---|---|
| PAY
ACTIVE
Paymentus Holdings Inc. (Class A) | B+ | 79/100 | 60.7x | 24.8% | 24.9% | +2.02% | $4.06B | Benchmark Subject |
| DLO DLocal Limited (Class A) | D | 50/100 | — | — | — | -0.87% | $4.03B | /dlo-vs-pay → |
| BFH Bread Financial Holdings Inc. | C- | 61/100 | 7.7x | — | 6.4% | +0.89% | $4.01B | /bfh-vs-pay → |
| MMS Maximus Inc. | B+ | 76/100 | 10.3x | 24.6% | 13.5% | +1.67% | $3.29B | /mms-vs-pay → |
| RELY Remitly Global Inc. | C | 64/100 | 76.8x | — | 12.7% | +1.53% | $5.22B | /rely-vs-pay → |
2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)
SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001841156In its most recent audited fiscal period (FY2025, filed 2025-12-31), Paymentus Holdings Inc. (Class A) (PAY) reported GAAP revenue of $1.20B (+37.3% vs. FY2024 revenue of $871.7M , and +94.7% cumulative change since FY2023) , GAAP net income of $66.9M, operating cash flow of $162.1M, and free cash flow of $161.8M (+156.1% YoY). On the balance sheet, PAY closed FY2025 with $667.9M in total assets against $0 in total debt (Altman Z-Score: 25.80, Piotroski F-Score: 7/9).
| Fiscal Period | Filing Date | Revenue | Net Income | Operating Cash Flow | Free Cash Flow | Total Assets | Total Debt |
|---|---|---|---|---|---|---|---|
| FY2025 (FY) | 2025-12-31 | $1.20B | $66.9M | $162.1M | $161.8M | $667.9M | — |
| FY2024 (FY) | 2024-12-31 | $871.7M | $44.2M | $63.6M | $63.2M | $576.2M | — |
| FY2023 (FY) | 2023-12-31 | $614.5M | $22.3M | $68.8M | $68.8M | — | — |
3. PAY Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)
✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLEDIs PAY stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
As of 2026-11-01, Paymentus Holdings Inc. (Class A) (NYSE: PAY) is rated B+ (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 79/100 at a spot price of $32.26 (+2.02% 1D, market cap $4.06B). Pillar breakdown: Fundamental Cash Engine 19/20, Institutional 13F & Options Flow 12/20, Executive Insider Alignment 18/20, FRED Macro Regime Fit 15/20, and SEC Balance-Sheet Forensics 15/20. Across 1011 tracked Consumer Discretionary issuers, PAY ranks #39 in composite RQD confidence.
How does PAY compare to DLO and BFH in the Consumer Discretionary sector?
Within the Consumer Discretionary sector (Business Services), PAY carries a Roarable B+ (79/100 RQD), trailing P/E of 60.7x, gross margin of 24.8%, and ROIC of 24.9%. By comparison, DLO (DLocal Limited (Class A)) holds a D grade (50/100 RQD, P/E N/A, ROIC —, cap $4.03B) and BFH (Bread Financial Holdings Inc.) posts a C- grade (61/100 RQD, P/E 7.7x, ROIC 6.4%, cap $4.01B). Among the 5-stock peer group, BFH leads on earnings multiple (7.7x) while PAY leads on capital efficiency (24.9% ROIC).
What are the biggest fundamental strengths and SEC risk factors for PAY?
Per PAY's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001841156), Paymentus Holdings Inc. (Class A) generated $1.20B in revenue (+37.3% YoY), $66.9M in net income, and $161.8M in free cash flow against $667.9M in total assets and $0 in total debt. Key quantitative strengths: Strong cash generator (25% profit margin)—profits are backed by real money, not accounting tricks.. Primary risk factors monitored: Priced at 61x earnings—high expectations leave less room for a lukewarm quarter.. Institutional options positioning shows a 50% call / 50% put premium split.
Where is PAY trading relative to its 50-day, 200-day, and 52-week technical levels?
PAY last traded at $32.26 (+2.02% on volume of 623,236 shares), positioning the stock -4.39% below its 50-day simple moving average ($33.74) and +12.05% above its 200-day simple moving average ($28.79). Across its 52-week range of $20.11 to $45.31, PAY sits at the 48.2% percentile with a 14-day RSI of 51.6 (NEUTRAL RANGE) and an implied next-earnings move of ±7.5% ($29.84 to $34.68).
PAY Investor FAQ & Complete 8-Part Research Index
100% OPEN ACCESS • SEC EDGAR × CBOE × FREDWhy is PAY stock moving today?
Why PAY Stock surged +2.02% Today — RQD Quant Desk Flash. High-quality cash engine (25% profit margin, 25% return on capital) with steady institutional support.