Stock Ratings / Consumer Discretionary / REF / dividends

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Reformation Inc. (REF) Dividend Safety Gauge & 10-Year DRIP Compounder

$16.22 +2.66% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot)

Reformation Inc. (REF) carries a Roarable Rating of C (Hold) with 63/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

ROARABLE C • HOLD / WATCH Cap $958.3M

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

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

RQD QUANT TACHOMETERHOLD / WATCH • C

JEV AI Jury Split (Battleground)

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 D+ · Rk B

Each axis scored 0–20

12M PRICE TARGET CONE+2.2% Base Target

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

CASH DIVIDEND + BUYBACK YIELD

1.8% Total Yield

0% Cash ($0.00/yr) + 1.8% Buybacks

PAYOUT SAFETY SPEEDOMETER

74/100 • REINVESTING IN GROWTH + BUYBACKS

FREE CASH FLOW PAYOUT RATIO

0% (100% Reinvested)

Retains cash flow for R&D and share repurchases

INTERACTIVE DRIP & SHAREHOLDER-YIELD COMPOUNDER (6.8% EST. ANNUAL)

$10,000 Compounded Over 10 Years → $19,307

Est. Year-10 Shareholder Yield: $348/yr

Starting Investment: $10,000

Compounding Horizon: 10 Years

$10.7K

Yr 1

$11.4K

Yr 2

$12.2K

Yr 3

$13.0K

Yr 4

$13.9K

Yr 5

$14.8K

Yr 6

$15.8K

Yr 7

$16.9K

Yr 8

$18.1K

Yr 9

$19.3K

Yr 10

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher + Cash-Flow & Quality Compounder Desk

Cash-Fortress Compounders: Auditing Free Cash Flow & Yield Safety in REF & A-Rated Leaders

✓12-month Bull/Base/Bear fair-value walkthrough on REF and its top sector peer
✓Top Roarable A-Rated cash compounders with verified executive & 13F accumulation
✓Includes nightly RQD rating-change & forensic signal email alerts

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

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REF // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +7.56%⚡ TESTING RESISTANCE

2026-10-30O $16.28H $16.75L $15.50C $16.22VOL 278.7K

RES: $16.56SUP: $10.95SMA50: $14.03SMA200: $14.42

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

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

🦋 REF Butterfly Map → + Track REF →

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. +6.0% 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 REF today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

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

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for REF 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 (REF)

Consumer Discretionary Rank #330 of 1011 ⚔️ GOOS vs REF Full Matrix →

1. Head-to-Head Consumer Discretionary Peer Comparison (REF vs. GOOS, CRI, GIII, CPRI)

Industry: Apparel (27 Tracked Issuers)

Across 1011 tracked Consumer Discretionary securities in the Roarable RQD universe, Reformation Inc. (REF) ranks #330 by composite RQD confidence (63/100, grade C) and #512 by equity capitalization ($958.3M). Within this direct 5-issuer industry benchmark cohort, CRI leads on earnings valuation at 13.3x trailing P/E, while CRI leads on capital efficiency and profitability with 11.3% ROIC and 45.4% gross margin. GIII currently holds the highest overall quantitative score in the immediate peer group at 73/100 (B) compared with REF at 63/100 (C).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
REF ACTIVE Reformation Inc.	C	63/100	—	—	—	+2.66%	$958.3M	Benchmark Subject
GOOS Canada Goose Holdings Inc. Subordinate Voting Shares	C	63/100	—	—	—	+3.34%	$785.2M	/goos-vs-ref →
CRI Carter's Inc.	B	72/100	13.3x	45.4%	11.3%	+7.54%	$1.23B	/cri-vs-ref →
GIII G-III Apparel Group LTD.	B	73/100	—	39.4%	6.3%	+3.80%	$1.30B	/giii-vs-ref →
CPRI Capri Holdings Limited	D+	53/100	23.1x	62.3%	10.4%	+5.04%	$1.83B	/cpri-vs-ref →

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

SEC EDGAR 10-K • FILED 2025-12-27 • CIK 0001787117

In its most recent audited fiscal period (FY2025, filed 2025-12-27), Reformation Inc. (REF) reported GAAP revenue of $0 , GAAP net income of $0, operating cash flow of $0, and free cash flow of $0 . On the balance sheet, REF closed FY2025 with $937.9M in total assets against $147.7M in total debt (Altman Z-Score: N/A, Piotroski F-Score: N/A).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-27	$0	$0	—	—	$937.9M	$147.7M

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

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

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

As of 2026-11-01, Reformation Inc. (NYSE: REF) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 63/100 at a spot price of $16.22 (+2.66% 1D, market cap $958.3M). Pillar breakdown: Fundamental Cash Engine 10/20, Institutional 13F & Options Flow 14/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 17/20, and SEC Balance-Sheet Forensics 9/20. Across 1011 tracked Consumer Discretionary issuers, REF ranks #330 in composite RQD confidence.

How does REF compare to GOOS and CRI in the Consumer Discretionary sector?

Within the Consumer Discretionary sector (Apparel), REF carries a Roarable C (63/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of —. By comparison, GOOS (Canada Goose Holdings Inc. Subordinate Voting Shares) holds a C grade (63/100 RQD, P/E N/A, ROIC —, cap $785.2M) and CRI (Carter's Inc.) posts a B grade (72/100 RQD, P/E 13.3x, ROIC 11.3%, cap $1.23B). Among the 5-stock peer group, CRI leads on earnings multiple (13.3x) while CRI leads on capital efficiency (11.3% ROIC).

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

Per REF's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-27, CIK 0001787117), Reformation Inc. generated $0 in revenue, $0 in net income, and $0 in free cash flow against $937.9M in total assets and $147.7M in total debt. Key quantitative strengths: Established market leader in Consumer Discretionary with deep daily trading liquidity.. 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 REF trading relative to its 50-day, 200-day, and 52-week technical levels?

REF last traded at $16.22 (+2.66% on volume of 1,112,300 shares), positioning the stock +15.61% above its 50-day simple moving average ($14.03) and +12.48% above its 200-day simple moving average ($14.42). Across its 52-week range of $11.85 to $17.26, REF sits at the 80.8% percentile with a 14-day RSI of 61.5 (BULLISH MOMENTUM) and an implied next-earnings move of ±12.5% ($14.19 to $18.25).

REF Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Does REF pay a dividend and is it safe?

Reformation Inc. (REF) offers a 0% cash dividend yield ($0.00 annualized) and 1.8% total shareholder yield including buybacks. Roarable rates its payout coverage as REINVESTING IN GROWTH + BUYBACKS.

Direct Sub-Reports: REF RQD Cockpit REF 12M Forecast REF Earnings & Move REF Dividends & DRIP REF Insiders & 13F REF Whale Options REF Profit Sankey REF News & Why