Stock Ratings / Consumer Discretionary / RPAY / options

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

Repay Holdings Corporation (Class A) (RPAY) Options Positioning, Max Pain & Unusual Sweeps

$4.42 0.00% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot)

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

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

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

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%

CALL VS. PUT WHALE SHARE

— (No Active Options Snapshot)

Put/Call Ratio: — (No Active Options Snapshot)

MAX-PAIN EXPIRATION MAGNET

— (No Active Options Snapshot)

No active options chain max-pain snapshot on file

HISTORICAL 20D VOLATILITY SWING

±8.9%

Derived from 20D OHLCV bars (No Active Options Snapshot)

Active Strike Call vs. Put Concentration Ladder (RPAY)

— (No Active Options Snapshot) — No unusual CBOE strike concentration anomalies recorded in the current database snapshot for RPAY.

Sponsored / Partner SpotlightACTIVE TRADER & PROP EVALUATION DESK

Practice in Our Weekly $100,000 Paper Arena Before Risking Personal Capital

Keep your personal nest egg in cash while trading NQ, ES, Crude, and Gold momentum using institutional prop-desk buying power.

FTC Disclosure: Roarable may receive partner referral compensation at no cost to you. Partner relationships never influence RQD scores.

🏆 Enter Free $100K Paper Arena →

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

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

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).