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

Maximus Inc. (MMS) currently earns a Roarable Rating of C+ (Hold — HOLD) with 68/100 RQD Confidence. Solid 24.6% gross margin (14% return on capital), mixed timing at 10x P/E—hold if owned, no rush to chase.

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

MMS's 12-month base price target is $69.54 (range $54.24 to $105), backed by transparent SEC XBRL cash-flow, Form 4 insider, and CBOE options flow analysis.

Stock Ratings / Consumer Discretionary / MMS

FOUR (44) CBZ (71) TNET (66) DLO (47) ⌘ Pro Terminal →

Maximus Inc. (MMS) — RQD Stock Rating Cockpit

$66.55 +4.44% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $66.96

Maximus Inc. (MMS) carries a Roarable Rating of C+ (Hold) with 68/100 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 $3.34B

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

⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on MMS Below — or Connect Your Own ChatGPT / Claude

🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is MMS stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

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As of 2026-11-03, Maximus Inc. (NYSE: MMS) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 68/100 at a spot price of $66.55 (+4.44% 1D, market cap $3.34B). Pillar breakdown: Fundamental Cash Engine 14/20, Institutional 13F & Options Flow 11/20, SEC Balance-Sheet Forensics 15/20, FRED Macro Regime Fit 10/20, and Executive Insider Alignment 18/20. Across 1009 tracked Consumer Discretionary issuers, MMS ranks #185 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief

🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does MMS compare to FOUR and CBZ in the Consumer Discretionary sector?

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Within the Consumer Discretionary sector (Business Services), MMS carries a Roarable C+ (68/100 RQD), trailing P/E of 10.3x, gross margin of 24.6%, and ROIC of 13.5%. By comparison, FOUR (Shift4 Payments Inc. (Class A)) holds a D grade (44/100 RQD, P/E 21.1x, ROIC 5.5%, cap $3.16B) and CBZ (CBIZ Inc.) posts a B- grade (71/100 RQD, P/E 25.8x, ROIC 5.9%, cap $2.98B). Among the 5-stock peer group, MMS leads on earnings multiple (10.3x) while TNET leads on capital efficiency (85.0% ROIC).

✓ Pre-computed one-to-many AI Quant brief

🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for MMS?

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Per MMS's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-09-30, CIK 0001032220), Maximus Inc. generated $5.43B in revenue (+2.4% YoY), $319.0M in net income, and $429.4M in free cash flow against $4.21B in total assets and $1.51B in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction. Primary risk factors monitored: Sensitive to high interest rates and tighter Federal Reserve market liquidity. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief

🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $66.96 (+0.61%)🧬 Cannibal Buyback (-2.92% YoY Shares)⚙️ Cash Engine: 14/20 (B-) • 7.9% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 68/100 (C+) historically posted market-perform odds over rolling 90-day windows (+1.8% avg 90D alpha vs SPY • 56.9% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERHOLD / WATCH • C+

2-of-3 JEV AI Jury Bullish

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 B · Rk C

Each axis scored 0–20

12M PRICE TARGET CONE+4.5% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for MMS)Realized 20D OHLCV Swing Band: ±6.2%

Deterministic 5-Pillar Attribution (68/100 Composite)

🔍 WHY MMS SCORES 68/100 (C+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Insider Conviction & Share Dilution+18/20 pts (26% of score)

SEC Form 4 / 13F Thermometer: 86% Net Buy • Cannibal Buyback (-2.92% YoY Shares)

▲ #2 Bullish Driver: SEC 10-K Forensic Risk+15/20 pts (22% of score)

Altman Z-Score 3.10 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 7/9

▼ #1 Drag / Risk Factor: Macro Regime Fit10/20 pts (-10 pt drag)

Macro rate sensitivity & RSI-14 (64.9) create a -10 pt regime headwind

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

Q1 (-3Q)

Grade C$58.08+5.2% Next Q

Q2 (-2Q)

Grade C+$61.09+2.3% Next Q

Q3 (-1Q)

Grade C+$62.47+6.5% Next Q

Current

Grade C+$66.55+1.8% Hist 90D α

Trajectory: C (60) → C+ (68)Full Audit →

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

⚔️ Adversarial Opposing Case: Why the MMS Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 68/100 (C+) score, MMS faces multiple-compression risk if 10.3x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Sensitive to high interest rates and tighter Federal Reserve market liquidity.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.92% YoY Shares) — any gross margin slip below 22.1% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($58.11) or 200D SMA ($64.47) invalidates the momentum regime and cuts Target Base ($69.54) toward Bear Floor ($54.24).

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

Contract: “MMS Beats Next Quarter EPS Consensus (Dec 29, 2026) & Holds Above 200D SMA”

YES 68%NO 32%Trade / Inspect Odds →

RSI-14 MOMENTUMBULLISH MOMENTUM

64.930 Oversold · 70 Hot

ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)

3.10>3.0 Fortress Safe

PIOTROSKI F-SCOREHIGH QUALITY (7–9)

7 / 99-Pt Accounting

52-WEEK LASER RANGE32% OF RANGE

L: $51$66.55H: $100

1. Money & Cash Health● MIXED

Are profits real cash in the bank?

Decent core business (24.6% gross margin), though cash flow growth is moderate rather than explosive right now.

Factor Grade: B-RQD 14 / 20

2. Big Money & Insiders● BUYING

Are whales & executives buying or selling?

Hedge funds and options traders are leaning bullish, showing strong institutional appetite.

Factor Grade: BRQD 29 / 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: CRQD 25 / 40

MULTI-MODEL JEV QUANT JURY DELIBERATION

2-of-3 JEV AI Jury Bullish on MMS

Cash & Moat Bull AI

ROIC & Free Cash Flow Model

BULLISH (70)

13.5% ROIC with 24.6% gross margin and 13.05% FCF yield.

SEC Forensic Auditor AI

10-K Accruals & Altman-Z Guard

BULLISH (75)

Altman-Z 3.10 and Piotroski 7/9 pass balance-sheet audit.

Whale & Macro Hawk AI

Options Skew, 13F & Fed NetLiq

NEUTRAL (65)

29/40 institutional & smart-money positioning score with 10/20 macro alignment.

Bull Case: Why Buyers Like MMS

✓Company leadership has skin in the game with net positive insider conviction.
✓Clean SEC annual filing review with no major hidden accounting time-bombs.

Bear Case: What Could Go Wrong

!Sensitive to high interest rates and tighter Federal Reserve market liquidity.

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (MMS Tape Review)

✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
✓Forensic Red-Light accounting & dilution traps to review on your watchlist
✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts

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

MMS // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +3.11%▲ RESISTANCE BREAKOUT

2026-11-03O $62.84H $66.55L $62.84C $66.55VOL 393.9K

RES: $64.77SUP: $50.33SMA50: $58.11SMA200: $64.47

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

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

🦋 MMS Butterfly Map → + Track MMS →

Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle

-0.6%/yr Implied 5Y Growth

vs. +2.4% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on MMS today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

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

AI Analyst Theses, Washington Policy & Company Video

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

Consumer Discretionary Rank #185 of 1009 ⚔️ FOUR vs MMS Full Matrix →

1. Head-to-Head Consumer Discretionary Peer Comparison (MMS vs. FOUR, CBZ, TNET, DLO)

Industry: Business Services (88 Tracked Issuers)

Across 1009 tracked Consumer Discretionary securities in the Roarable RQD universe, Maximus Inc. (MMS) ranks #185 by composite RQD confidence (68/100, grade C+) and #340 by equity capitalization ($3.34B). Within this direct 5-issuer industry benchmark cohort, MMS leads on earnings valuation at 10.3x trailing P/E, while TNET leads on capital efficiency and profitability with 85.0% ROIC and — gross margin. CBZ currently holds the highest overall quantitative score in the immediate peer group at 71/100 (B-) compared with MMS at 68/100 (C+).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
MMS ACTIVE Maximus Inc.	C+	68/100	10.3x	24.6%	13.5%	+4.44%	$3.34B	Benchmark Subject
FOUR Shift4 Payments Inc. (Class A)	D	44/100	21.1x	—	5.5%	+5.10%	$3.16B	/four-vs-mms →
CBZ CBIZ Inc.	B-	71/100	25.8x	12.9%	5.9%	+0.06%	$2.98B	/cbz-vs-mms →
TNET TriNet Group Inc.	C+	66/100	18.9x	—	85.0%	+5.09%	$2.94B	/tnet-vs-mms →
DLO DLocal Limited (Class A)	D	47/100	—	—	—	+2.16%	$3.82B	/dlo-vs-mms →

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

SEC EDGAR 10-K • FILED 2025-09-30 • CIK 0001032220 ↗

In its most recent audited fiscal period (FY2025, filed 2025-09-30), Maximus Inc. (MMS) reported GAAP revenue of $5.43B (+2.4% vs. FY2024 revenue of $5.31B , and +10.7% cumulative change since FY2023) , GAAP net income of $319.0M, operating cash flow of $429.4M, and free cash flow of $429.4M (-16.7% YoY). On the balance sheet, MMS closed FY2025 with $4.21B in total assets against $1.51B in total debt (Altman Z-Score: 3.10, Piotroski F-Score: 7/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-09-30	$5.43B	$319.0M	$429.4M	$429.4M	$4.21B	$1.51B
FY2024 (FY)	2024-09-30	$5.31B	$306.9M	$515.3M	$515.3M	$4.06B	$1.35B
FY2023 (FY)	2023-09-30	$4.90B	$161.8M	$314.3M	$314.3M	—	—

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

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

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

How does MMS compare to FOUR and CBZ in the Consumer Discretionary sector?

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

Where is MMS trading relative to its 50-day, 200-day, and 52-week technical levels?

MMS last traded at $66.55 (+4.44% on volume of 525,687 shares), positioning the stock +14.52% above its 50-day simple moving average ($58.11) and +3.23% above its 200-day simple moving average ($64.47). Across its 52-week range of $51.04 to $100.00, MMS sits at the 31.7% percentile with a 14-day RSI of 64.9 (BULLISH MOMENTUM) and an implied next-earnings move of ±6.2% ($62.42 to $70.68).

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

ROARABLE RATING BRIEF • RQD 68/100 (C+) ✓ SEC XBRL & RQD VERIFIED

MMS — Maximus Inc.: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit

Updated: 2025-09-30

1. Roarable Rating Brief: What This Means to a Prospective Investor

Maximus Inc. (MMS) earns a live Roarable RQD composite score of 68/100, corresponding to a C+ letter grade (Roarable Hold) at a spot price of $66.55 (+4.44% 1D, market capitalization $3.34B).

Fundamental Cash Engine (14/20): Anchored by return on invested capital (ROIC) of 13.5%, gross margin of 24.6%, operating margin of 9.7%, and free cash flow yield of 13.05%.
Whale 13F & Options Flow (11/20) + Insider Conviction (18/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
Macro Regime Fit (10/20) + Forensic Balance Sheet (15/20): Incorporates a 1.00x equity beta, Altman Z-Score of 3.10, Piotroski F-Score of 7/9, and Debt/Equity of 0.88x.

2. Business Model, Unit Margins & SEC Financial Trajectory

Maximus Inc. (MMS) is a NYSE-listed issuer classified under the Consumer Discretionary sector and the Business Services industry,.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-09-30), Maximus Inc. (MMS) reported $5.43B in annual revenue (up from $5.31B in FY2024, +2.4% YoY) and $319.0M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($4.90B revenue, $161.8M net income) through FY2025, MMS scaled operating cash flow to $429.4M and free cash flow to $429.4M, backed by $4.21B in total assets against $1.51B in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

🐂 Primary Bull Case (C+ • RQD 68/100): Company leadership has skin in the game with net positive insider conviction. Clean SEC annual filing review with no major hidden accounting time-bombs. With Fundamental Cash Engine at 14/20 and Institutional Whale Flow at 11/20, sustained execution supports upside toward the upper end of the $51.04 – $100.00 52-week range.
🐻 Primary Bear Case & Valuation Risk: Sensitive to high interest rates and tighter Federal Reserve market liquidity. Investors must weigh 10.3x trailing P/E and 8.8x EV/EBITDA against 9.7% operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Upstream and downstream dependency mapping, sector correlations, and 2nd-order bottlenecks: — The only sector context available is the classification of Consumer Discretionary / Business Services and the Beta of 1.0.

Key Question #1: Can MMS sustain or expand its 9.7% operating margin and 13.5% ROIC against Business Services peers over the next 4 quarters?
Key Question #2: Following FY2025 revenue of $5.43B and free cash flow of $429.4M, how will capital allocation balance growth reinvestment against $1.51B in total debt?
Key Question #3: How sensitive is MMS's 9.6x forward P/E multiple to Consumer Discretionary capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

MMS Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Maximus Inc. (MMS) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to MMS Debate Forum (3) ↓

🟡 MARKET WIRE Yahoo Finance • 22h ago

Is Maximus (MMS) Recalibrating Its Earnings Mix From VA Incentives Toward Defense and Medicaid Work?

Yahoo Finance report covering Maximus Inc. (MMS) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE ChartMill • 1d ago

Maximus (NYSE:MMS): A Quality Stock With Strong Cash Generation and a Cheap Valuation

ChartMill report covering Maximus Inc. (MMS) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE TradingView • 1d ago

Spotting winners: Maximus (NYSE:MMS) and government & technical consulting stocks in Q2

TradingView report covering Maximus Inc. (MMS) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE GuruFocus • 1d ago

Maximus (MMS) to Acquire Agile Defense for $660M in Cash

GuruFocus report covering Maximus Inc. (MMS) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Simply Wall St • 1d ago

Maximus (MMS) Stock May Look Reasonable Following Defense Deal News

Simply Wall St report covering Maximus Inc. (MMS) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE ChartMill • 1d ago

MAXIMUS INC (NYSE:MMS) Looks Undervalued as a Decent Value Stock

ChartMill report covering Maximus Inc. (MMS) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Benzinga • 1d ago

Maximus Q3 2026 Earnings Call: Complete Transcript

Benzinga report covering Maximus Inc. (MMS) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Stock Titan • 1d ago

Up to $50M more hinges on revenue milestones in the 12 months after Maximus (MMS)'s Agile Defense deal closes.

Stock Titan report covering Maximus Inc. (MMS) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

MMS Bull vs. Bear Conversation Board — What's Your Call at $66.55?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON MMS 🐻 33% BEARISH CONVICTION

SI SiliconVal_Bull RQD DEBATE OPENER • Growth & Tech Investor 🐂 BULLISH 🎯 Target: $77.10 (+21.0%)

📌 Pinned Debate

Trades at 10.3x TTM earnings and 8.8x EV/EBITDA with a 13.05% FCF yield, supported by a 13.5% ROIC and insider conviction scored 18/20.

Trades at 10.3x TTM earnings and 8.8x EV/EBITDA with a 13.05% FCF yield, supported by a 13.5% ROIC and insider conviction scored 18/20.. When you look under the hood at MMS, Fundamental Cash Engine is 14/20 with 24.6% gross margins and 13.5% ROIC. Bears are staring in the rearview mirror while institutional 13F flow (11/20) has been quietly accumulating below $100.00. My 12M target is $77.10.

RetailWhale_TX 🐂 BULL

Both sides have a point here — MMS's 15/20 balance sheet score keeps downside contained, so the real swing factor next earnings call is backlog and FCF conversion.

FO ForensicBear RQD DEBATE OPENER • 10-K Footnote Auditor 🐻 BEARISH 🎯 Target: $54.16 (-15.0%)

Spot @ $63.72

Institutional flow (10/20) and macro regime fit (10/20) are weak, FCF fell from $515.3M to $429.4M while debt rose to $1.51B, and a $

Fading this rally in MMS at $63.72. Institutional flow (10/20) and macro regime fit (10/20) are weak, FCF fell from $515.3M to $429.4M while debt rose to $1.51B, and a $660M cash acquisition is pending.. With a beta of 1.0 and the stock sitting at $63.72 (52-wk range $51.04–$100.00), the easy multiple expansion is already priced in.