MARKET WIRECNBC • 2h 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.
Why RPAY Stock Traded Steady Today — RQD Quant Desk Flash
$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.
ROARABLE D • SELL / AVOID
Cap $397.2M
INTERACTIVE SCENARIO DECK:
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
41
Q2 (-2Q)Grade D$4.03+8.2% Next Q
44
Q3 (-1Q)Grade D$4.36+1.4% Next Q
46
CurrentGrade D$4.42-5.4% Hist 90D α
49
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
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”
AUTOMATED RQD QUANT DESK MOVER BRIEFINGFull Market News Desk →
Why RPAY Stock Traded Steady Today — RQD Quant Desk Flash
Repay Holdings Corporation (Class A) (RPAY) slipped 0.00% to $4.42, trading at 92% of its 52-week range ($2.3 – $4.6). Stretched risk/reward at current multiples (-31% return on capital) under elevated 10-year interest-rate pressure.
- ▸Technical Tape: Trading at 92% of its 52-week range ($2.3 – $4.6) with RSI-14 at 69.2 (BULLISH MOMENTUM).
- ▸Volatility Profile: Historical 20-day realized swing band of ±8.9% around $4.42 (no active unusual options sweep snapshot on file).
- ▸Fundamental Anchor: Roarable D (Sell) backed by 75% gross margin and $90.8M annual free cash flow.
Live RPAY Headlines & Catalysts
MARKET WIRECNBC • 3h 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 • 4h ago
Israeli strikes kill eight people in Gaza - medics say - ReutersIsraeli strikes kill eight people in Gaza - medics say Reuters
MARKET WIREReuters • 5h 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 • 6h 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 • 7h ago
Qatar surges, bucking Gulf market slide on Iran war concerns - ReutersQatar surges, bucking Gulf market slide on Iran war concerns Reuters
MARKET WIREReuters • 7h 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
MARKET WIREReuters • 7h ago
German ministers pledge tough action after rioters damage stores in Frankfurt - ReutersGerman ministers pledge tough action after rioters damage stores in Frankfurt Reuters
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
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 0001720592In 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 ENABLEDIs 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 × FREDWhy is RPAY stock moving today?
Why RPAY Stock Traded Steady Today — RQD Quant Desk Flash. Stretched risk/reward at current multiples (-31% return on capital) under elevated 10-year interest-rate pressure.