Stock Ratings / Consumer Discretionary / RPAY

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Repay Holdings Corporation (Class A) (RPAY) — RQD Stock Rating Cockpit

$4.42 0.00% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $4.41

Repay Holdings Corporation (Class A) (RPAY) carries a Roarable Rating of D (Sell) with 49/100 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.

📊 Historical Track Record Warning: Scores below 50 (49/100 · D) historically underperformed SPY in 71% of rolling 90-day windows →

ROARABLE D • SELL / AVOID Cap $397.2M

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

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $4.41 (-0.19%)🧬 Disciplined Float (-0.40% YoY Shares)⚙️ Cash Engine: 8/20 (D-) • 29.4% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record Warning: Scores below 50 (49/100 · D) historically underperformed SPY in 71% of rolling 90-day windows (-5.4% avg 90D alpha vs SPY • 29.0% hit rate).

Audit Bucket Track Record →

RQD QUANT TACHOMETERSELL / AVOID • D

2-of-3 JEV AI Jury Bearish Warning

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 D+

Each axis scored 0–20

12M PRICE TARGET CONE-4.1% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for RPAY)Realized 20D OHLCV Swing Band: ±8.9%

Deterministic 5-Pillar Attribution (49/100 Composite)

🔍 WHY RPAY SCORES 49/100 (D) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Macro Regime Fit+15/20 pts (31% of score)

FRED Regime × Technicals: 92% of 52W Range • RSI-14 at 69.2 (BULLISH MOMENTUM)

▲ #2 Bullish Driver: Whale & Options Positioning+9/20 pts (18% of score)

20D Institutional Volume Accumulation (±8.9% realized swing band)

▼ #1 Drag / Risk Factor: SEC 10-K Forensic Risk8/20 pts (-12 pt drag)

Balance-sheet & 10-K footnote risk deducts 12 pts from forensic ceiling

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

Q1 (-3Q)

Grade D$3.87+4.1% Next Q

Q2 (-2Q)

Grade D$4.03+8.2% Next Q

Q3 (-1Q)

Grade D$4.36+1.4% Next Q

Current

Grade D$4.42-5.4% Hist 90D α

Trajectory: D (41) → D (49)Full Audit →

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

⚔️ Adversarial Opposing Case: What Could Spark a RPAY Turnaround Squeeze

Gideon Ashmere Forensic Desk →

While RPAY currently carries a cautious 49/100 (D) rating due to SEC 10-K Forensic Risk (8/20), shorts face asymmetric squeeze risk if free cash flow inflects or management executes accretive buybacks.

🚀 Contrarian Squeeze Trigger #1

Established market leader in Consumer Discretionary with deep daily trading liquidity.

🚀 Contrarian Squeeze Trigger #2

Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($3.91) and Max Pain ($4.64) forces dealer call-delta covering toward $5.00.

🚀 Contrarian Squeeze Trigger #3

Forensic Repair Trigger: Halting share dilution (Disciplined Float (-0.40% YoY Shares)) or retiring high-cost debt immediately upgrades the SEC 10-K Forensic pillar.

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

Contract: “RPAY Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 49%NO 51%Trade / Inspect Odds →

RSI-14 MOMENTUMBULLISH MOMENTUM

69.230 Oversold · 70 Hot

ALTMAN-Z SHIELDDISTRESS RISK (<1.8)

0.20>3.0 Fortress Safe

PIOTROSKI F-SCORESOLID CORE (5–6)

5 / 99-Pt Accounting

52-WEEK LASER RANGE92% OF RANGE

L: $2$4.42H: $5

1. Money & Cash Health● WEAK

Are profits real cash in the bank?

Weak cash conversion or heavy valuation strain compared to actual cash earned.

Factor Grade: D-RQD 8 / 20

2. Big Money & Insiders● TRIMMING

Are whales & executives buying or selling?

Insiders and big institutional desks have been trimming shares rather than stepping up to buy.

Factor Grade: DRQD 18 / 40

3. Hidden Risks & Market Weather● WATCH

SEC fine-print scan & interest-rate fit

No major SEC filing blowups, though current interest rates and Fed liquidity call for normal position sizing.

Factor Grade: D+RQD 23 / 40

MULTI-MODEL JEV QUANT JURY DELIBERATION

2-of-3 JEV AI Jury Bearish Warning on RPAY

Cash & Moat Bull AI

ROIC & Free Cash Flow Model

BEARISH (40)

-31.0% ROIC with 75.0% gross margin and 22.87% FCF yield.

SEC Forensic Auditor AI

10-K Accruals & Altman-Z Guard

BEARISH (40)

Altman-Z 0.20 and Piotroski 5/9 pass balance-sheet audit.

Whale & Macro Hawk AI

Options Skew, 13F & Fed NetLiq

NEUTRAL (55)

18/40 institutional & smart-money positioning score with 15/20 macro alignment.

Bull Case: Why Buyers Like RPAY

✓Established market leader in Consumer Discretionary with deep daily trading liquidity.

Bear Case: What Could Go Wrong

!Company executives have done more routine share selling than personal cash buying lately.
!Recent SEC filings added new risk-factor disclosures that warrant keeping an eye on margins.

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 RPAY)

✓Walkthrough of RPAY'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

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

RPAY // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +16.62%▲ RESISTANCE BREAKOUT

2026-10-30O $4.43H $4.60L $4.37C $4.42VOL 298.2K

RES: $4.34SUP: $3.75SMA50: $3.91SMA200: $3.57

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

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

🦋 RPAY Butterfly Map → + Track RPAY →

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. -1.2% 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 RPAY today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

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

AI Analyst Theses, Washington Policy & Company Video

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

Consumer Discretionary Rank #664 of 1011 ⚔️ ADV vs RPAY Full Matrix →

1. Head-to-Head Consumer Discretionary Peer Comparison (RPAY vs. ADV, CTEV, RMNI, FVRR)

Industry: Business Services (90 Tracked Issuers)

Across 1011 tracked Consumer Discretionary securities in the Roarable RQD universe, Repay Holdings Corporation (Class A) (RPAY) ranks #664 by composite RQD confidence (49/100, grade D) and #616 by equity capitalization ($397.2M). Within this direct 5-issuer industry benchmark cohort, RMNI leads on earnings valuation at 10.0x trailing P/E, while CTEV leads on capital efficiency and profitability with 85.0% ROIC and — gross margin. RMNI currently holds the highest overall quantitative score in the immediate peer group at 60/100 (C-) compared with RPAY at 49/100 (D).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
RPAY ACTIVE Repay Holdings Corporation (Class A)	D	49/100	—	75.0%	-31.0%	0.00%	$397.2M	Benchmark Subject
ADV Advantage Solutions Inc. (Class A)	D	44/100	—	—	-5.1%	+5.60%	$389.3M	/adv-vs-rpay →
CTEV Claritev Corporation (Class A)	D-	37/100	—	—	85.0%	+4.35%	$406.7M	/ctev-vs-rpay →
RMNI Rimini Street Inc.	C-	60/100	10.0x	60.4%	85.0%	-0.87%	$372.5M	/rmni-vs-rpay →
FVRR Fiverr International Ltd. no par value	C-	60/100	15.5x	81.6%	-0.3%	+12.01%	$325.4M	/fvrr-vs-rpay →

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

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001720592

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Repay Holdings Corporation (Class A) (RPAY) reported GAAP revenue of $309.3M (-1.2% vs. FY2024 revenue of $313.0M , and +4.3% cumulative change since FY2023) , GAAP net income of -$256.7M, operating cash flow of $91.1M, and free cash flow of $90.8M (-39.1% YoY). On the balance sheet, RPAY closed FY2025 with $1.20B in total assets against $280.1M in total debt (Altman Z-Score: 0.20, Piotroski F-Score: 5/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$309.3M	-$256.7M	$91.1M	$90.8M	$1.20B	$280.1M
FY2024 (FY)	2024-12-31	$313.0M	-$10.2M	$150.1M	$149.1M	$1.57B	$496.8M
FY2023 (FY)	2023-12-31	$296.6M	-$110.5M	$103.6M	$103.6M	—	—

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

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

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

As of 2026-11-01, Repay Holdings Corporation (Class A) (NASDAQ: RPAY) is rated D (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 49/100 at a spot price of $4.42 (0.00% 1D, market cap $397.2M). Pillar breakdown: Fundamental Cash Engine 8/20, Institutional 13F & Options Flow 9/20, Executive Insider Alignment 8/20, FRED Macro Regime Fit 15/20, and SEC Balance-Sheet Forensics 9/20. Across 1011 tracked Consumer Discretionary issuers, RPAY ranks #664 in composite RQD confidence.

How does RPAY compare to ADV and CTEV in the Consumer Discretionary sector?

Within the Consumer Discretionary sector (Business Services), RPAY carries a Roarable D (49/100 RQD), trailing P/E of N/A, gross margin of 75.0%, and ROIC of -31.0%. By comparison, ADV (Advantage Solutions Inc. (Class A)) holds a D grade (44/100 RQD, P/E N/A, ROIC -5.1%, cap $389.3M) and CTEV (Claritev Corporation (Class A)) posts a D- grade (37/100 RQD, P/E N/A, ROIC 85.0%, cap $406.7M). Among the 5-stock peer group, RMNI leads on earnings multiple (10.0x) while CTEV leads on capital efficiency (85.0% ROIC).

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

Per RPAY's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001720592), Repay Holdings Corporation (Class A) generated $309.3M in revenue (-1.2% YoY), -$256.7M in net income, and $90.8M in free cash flow against $1.20B in total assets and $280.1M 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 RPAY trading relative to its 50-day, 200-day, and 52-week technical levels?

RPAY last traded at $4.42 (0.00% on volume of 509,760 shares), positioning the stock +13.04% above its 50-day simple moving average ($3.91) and +23.81% above its 200-day simple moving average ($3.57). Across its 52-week range of $2.30 to $4.60, RPAY sits at the 92.2% percentile with a 14-day RSI of 69.2 (BULLISH MOMENTUM) and an implied next-earnings move of ±8.9% ($4.03 to $4.81).

RPAY Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

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

Repay Holdings Corporation (Class A) (RPAY) currently earns a Roarable Rating of D (Sell — SELL) with 49/100 RQD Confidence. Stretched risk/reward at current multiples (-31% return on capital) under elevated 10-year interest-rate pressure.

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

RPAY's 12-month base price target is $4.24 (range $3.31 to $5), backed by transparent SEC XBRL cash-flow, Form 4 insider, and CBOE options flow analysis.

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