Stock Ratings / Consumer Discretionary / RPAY / earnings

ADV (44) CTEV (37) RMNI (60) FVRR (60) ⌘ Pro Terminal →

Repay Holdings Corporation (Class A) (RPAY) Next Earnings Date & Expected ±8.9% Move

$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

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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 →

NEXT EST. WINDOW: Dec 30, 2026 (~58 DAYS)

Historical OHLCV Volatility ±8.9% Swing Band

±$0.39 Expected Swing

MODEL EARNINGS SETUP GAUGE

RPAY Quantitative Pre-Earnings Setup: 49/100

Trailing EPS: $4.25 • YoY Revenue Growth: -1.2%

Model Bullish Setup (49/100)Model Risk Weight (51/100)

Derived deterministically from RQD cash-flow quality, SEC accrual safety, and institutional flow (not a community poll).

LOG YOUR PERSONAL PRE-EARNINGS STANCE (SAVED LOCALLY IN BROWSER):

Recent SEC Reported Revenue, Net Profit & Diluted EPS Cadence

Period	Filed	Revenue	Net Profit	Free Cash Flow	Gross Margin
FY 2025	2025-12-31	$309.3M	-$256.7M	$90.8M	75%
FY 2024	2024-12-31	$313.0M	-$10.2M	$149.1M	77.1%
FY 2023	2023-12-31	$296.6M	-$110.5M	$103.6M	75%

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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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

When is RPAY's next earnings date?

Based on SEC filing cadence, Repay Holdings Corporation (Class A) (RPAY)'s next quarterly reporting window is estimated around Dec 30, 2026.

How much is RPAY stock expected to move on earnings?

Volatility modeling currently projects a ±8.9% event move for RPAY, spanning a range between $4.03 and $4.81.

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