Paycom Software Inc. (PAYC) — RQD Stock Rating Cockpit

$260.66 -0.81% NYSE • Public Delayed / 60s Snapshot

Paycom Software Inc. (PAYC) carries a Roarable Rating of C+ (Hold) with 66/100 RQD Confidence. The underlying business is intact, so current owners don’t need to panic-sell—but mixed big-money flow or rich pricing means new buyers can afford to wait for either a pullback or a B-or-higher upgrade.

ROARABLE C+ • HOLD / WATCH Cap $11.75B
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
RQD QUANT TACHOMETERHOLD / WATCH • C+
025507510066
JEV AI Jury Split (Battleground)
Cash
SEC
Whale
5-PILLAR SNOWFLAKE RADARRw C · Rk B
Cash (15)Whales (10)SEC (13)Macro (16)CEO (12)
Each axis scored 0–20
12M PRICE TARGET CONE+3.6% Base Target
$319 Bull$270 Base$211 Bear
🔴 SUNDAY NIGHT PREP • 7:00 PM ET
WHALE OPTIONS TUG-OF-WAR:56% Call Buyers ($2.5M)
44% PutsMax Pain: $255.00
RSI-14 MOMENTUMBULLISH MOMENTUM
66.130 Oversold · 70 Hot
ALTMAN-Z SHIELDWATCH ZONE (1.8–3.0)
2.21>3.0 Fortress Safe
PIOTROSKI F-SCOREHIGH QUALITY (7–9)
7 / 99-Pt Accounting
52-WEEK LASER RANGE91% OF RANGE
L: $105$260.66H: $275
1. Money & Cash Health● HEALTHY
Are profits real cash in the bank?

Real cash coming in backs up reported profits (83% profit margin and healthy balance-sheet cushion).

Factor Grade: BRQD 15 / 20
2. Big Money & Insiders● NEUTRAL
Are whales & executives buying or selling?

Big funds and company insiders are mostly holding steady without aggressive buying or panic selling.

Factor Grade: C-RQD 22 / 40
3. Hidden Risks & Market Weather● ALL CLEAR
SEC fine-print scan & interest-rate fit

Clean SEC fine-print check with low hidden accounting risk and favorable interest-rate weather.

Factor Grade: BRQD 29 / 40
MULTI-MODEL JEV QUANT JURY DELIBERATION

JEV AI Jury Split (Battleground) on PAYC

Cash & Moat Bull AI
ROIC & Free Cash Flow Model
BULLISH (75)

11.7% ROIC with 83.2% gross margin and 3.47% FCF yield.

SEC Forensic Auditor AI
10-K Accruals & Altman-Z Guard
NEUTRAL (65)

Altman-Z 2.21 and Piotroski 7/9 pass balance-sheet audit.

Whale & Macro Hawk AI
Options Skew, 13F & Fed NetLiq
NEUTRAL (63)

Put/Call 0.79x with 22/40 institutional & insider flow.

Bull Case: Why Buyers Like PAYC
  • ✓Strong cash generator (83% profit margin)—profits are backed by real money, not accounting tricks.
Bear Case: What Could Go Wrong
  • !Broader market pullbacks can still drag down strong stocks in the short run.
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Today's Top 3 RQD Strong Buys & Whale Accumulation Setups (Live PAYC Tape Review)

  • ✓Live breakdown of today’s highest-scoring RQD Green-Light breakouts
  • ✓1 urgent Red-Light accounting trap to cut from your watchlist immediately
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RQD INSIDER CLUB UPGRADE$49/YEAR
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PAYC // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +108.43%▲ ASCENDING CHANNEL
2026-10-30O $263.0H $266.4L $259.4C $264.2VOL 668.8K
RES: $279.5SUP: $242.4SMA50: $235.9SMA200: $163.9
$286.0$241.3$196.6$151.8$107.1RES $279.5SUP $242.4$264.22026-04-302026-06-152026-07-312026-09-162026-10-30
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

PAYC 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)
19.6%/yr Implied 5Y Growth

vs. +8.9% 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 PAYC today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

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

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for PAYC today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

PAYC Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Should I buy, hold, or sell PAYC stock right now?

Paycom Software Inc. (PAYC) currently earns a Roarable Rating of C+ (Hold — HOLD) with 66/100 RQD Confidence. Solid 83% profit margin (12% return on capital), mixed timing at 26x P/E—hold if owned, no rush to chase.

What is PAYC's 12-month price target and RQD AI Jury consensus?

PAYC's 12-month base price target is $270.04 (range $210.63 to $318.65), backed by transparent SEC XBRL cash-flow, Form 4 insider, and CBOE options flow analysis.