Stock Ratings / Consumer Discretionary / MMS / options

FOUR (44) CBZ (71) TNET (66) BFH (61) ⌘ Pro Terminal →

Maximus Inc. (MMS) Options Positioning, Max Pain & Unusual Sweeps

$63.72 +1.40% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $63.76

Maximus Inc. (MMS) carries a Roarable Rating of C+ (Hold) with 67/100 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.

📊 Historical Track Record: Scores of 67/100 (C+) historically posted market-perform odds over rolling 90-day windows (+1.6% avg 90D alpha vs SPY) →

ROARABLE C+ • HOLD / WATCH Cap $3.29B

📤 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 2026-11-02, Maximus Inc. (NYSE: MMS) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 67/100 at a spot price of $63.72 (+1.40% 1D, market cap $3.29B). Pillar breakdown: Fundamental Cash Engine 14/20, Institutional 13F & Options Flow 10/20, Executive Insider Alignment 15/20, FRED Macro Regime Fit 10/20, and SEC Balance-Sheet Forensics 18/20. Across 1011 tracked Consumer Discretionary issuers, MMS ranks #201 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+ (67/100 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 $3.10B) 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, BFH leads on earnings multiple (7.7x) 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: $63.76 (+0.06%)🧬 Cannibal Buyback (-2.92% YoY Shares)⚙️ Cash Engine: 14/20 (B-) • 7.9% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 67/100 (C+) historically posted market-perform odds over rolling 90-day windows (+1.6% avg 90D alpha vs SPY • 56.4% 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% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for MMS)Realized 20D OHLCV Swing Band: ±6.3%

Deterministic 5-Pillar Attribution (67/100 Composite)

🔍 WHY MMS SCORES 67/100 (C+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Insider Conviction & Share Dilution+18/20 pts (27% 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 (62.1) create a -10 pt regime headwind

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

Q1 (-3Q)

Grade C$58.87+4.2% Next Q

Q2 (-2Q)

Grade C+$61.33+3.5% Next Q

Q3 (-1Q)

Grade C+$63.50+0.3% Next Q

Current

Grade C+$63.72+1.6% Hist 90D α

Trajectory: C (59) → C+ (67)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 67/100 (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 ($58.00) or 200D SMA ($64.64) invalidates the momentum regime and cuts Target Base ($66.30) toward Bear Floor ($51.71).

🎲 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 67%NO 33%Trade / Inspect Odds →

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

±6.3%

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

Active Strike Call vs. Put Concentration Ladder (MMS)

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

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ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher + Options & Swing Structure Desk

Whale Flow & Momentum Playbook: Evaluating MMS & AI Leaders Without Chasing Tops

✓Institutional whale strikes & implied earnings move audit on MMS
✓How disciplined traders manage risk using pre-published trigger & invalidation levels
✓Includes nightly RQD rating-change & forensic signal email alerts on tracked leaders

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

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MMS // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -1.27%⚡ TESTING RESISTANCE

2026-11-02O $61.81H $63.72L $61.81C $63.72VOL 401.1K

RES: $64.55SUP: $50.36SMA50: $58.00SMA200: $64.64

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 (#25)

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

Reverse-DCF Expectations Hurdle (#30)

-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 (#33)

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 #201 of 1011 ⚔️ FOUR vs MMS Full Matrix →

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

Industry: Business Services (90 Tracked Issuers)

Across 1011 tracked Consumer Discretionary securities in the Roarable RQD universe, Maximus Inc. (MMS) ranks #201 by composite RQD confidence (67/100, grade C+) and #343 by equity capitalization ($3.29B). Within this direct 5-issuer industry benchmark cohort, BFH leads on earnings valuation at 7.7x 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 67/100 (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+	67/100	10.3x	24.6%	13.5%	+1.40%	$3.29B	Benchmark Subject
FOUR Shift4 Payments Inc. (Class A)	D	44/100	21.1x	—	5.5%	+1.99%	$3.10B	/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%	+0.91%	$2.92B	/tnet-vs-mms →
BFH Bread Financial Holdings Inc.	C-	61/100	7.7x	—	6.4%	-2.13%	$4.01B	/bfh-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 $63.72 (+1.40% on volume of 393,921 shares), positioning the stock +9.86% above its 50-day simple moving average ($58.00) and -1.42% below its 200-day simple moving average ($64.64). Across its 52-week range of $51.04 to $100.00, MMS sits at the 25.9% percentile with a 14-day RSI of 62.1 (BULLISH MOMENTUM) and an implied next-earnings move of ±6.3% ($59.71 to $67.73).

MMS Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

What is MMS's options positioning and volatility profile?

Roarable tracks verified CBOE unusual options sweeps, put/call ratios, and OHLCV realized volatility bands for MMS.

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 67/100 (C+) ✓ STAGE-C NUMBER FIREWALL VERIFIED

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

Engine: anthropic/claude-haiku-5.5

As of: 2026-11-02T15:23:39Z

Roarable Rating Brief: What This Means to a Prospective Investor

Per the Roarable RQD rating, MMS scores 67 out of 100 (letter grade C+), with the verdict "Roarable Hold — Upper Neutral / Watch for Breakout." The five pillars are: Fundamental Cash Engine at 14/20 (ROIC 13.5%; FCF yield 13.05%), Whale 13F Flow at 10/20 (institutional accumulation and options positioning), Insider Conviction at 18/20 (SEC Form 4 and Congressional PTR cluster flow), Macro Regime Fit at 10/20 (Beta 1.0; sector sensitivity), and Forensic Balance Sheet at 15/20 (Altman Z 3.1; Piotroski F 7/9; Debt/Equity 0.88).

For a prospective investor, the strongest pillar is insider conviction, which per the rating is the highest-weighted signal in the composite. The cash-engine pillar supports the case on the strength of its cash-yield metrics, but the flow and macro pillars are weaker: institutional flow scores only 10/20 and macro-regime fit also 10/20, indicating the stock is not currently benefiting from strong institutional momentum or a clearly favorable macro setting. The balance-sheet pillar is moderately strong (15/20), consistent with an Altman Z of 3.1 and a Piotroski F of 7/9. The verdict's "Watch for Breakout" language signals the rating sees the setup as not yet confirmed. Upside drivers would be a sustained institutional accumulation trend or a re-rating on cash generation; valuation tradeoffs are visible in the low multiples against a 13.05% FCF yield, but the source data does not establish whether that discount is warranted.

Snapshot

Price	Market Cap	P/E (TTM)	Forward P/E	EV/EBITDA	EPS (TTM)	Dividend Yield	Beta	52-Wk Range	ROIC %
62.84	$3.29B	10.3	9.6	8.8	6.09	0%	1.0	$51.04 - $100	13.5%

Financial Trend

Period	Revenue	Operating Income	Net Income	EPS	FCF	Cash	Debt
FY 2025	$5431.3M	$528.3M	$319.0M	N/A	$429.4M	$137.6M	$1509.2M
FY 2024	$5306.2M	$488.5M	$306.9M	N/A	$515.3M	$72.7M	$1353.2M
FY 2023	$4904.7M	$294.8M	$161.8M	N/A	$314.3M	N/A	N/A

Per the market data, gross margin is 24.6%, operating margin 9.7%, and net margin 5.9%, with ROIC at 13.5%. The Altman Z-Score is 3.1 and the Piotroski F-Score is 7/9, per the Roarable RQD rating's forensic pillar. Debt/Equity is 0.88 per the same source. Reported debt rose from $1353.2M to $1509.2M between FY 2024 and FY 2025, while FCF declined from $515.3M to $429.4M.

Recent Catalysts & News Wire Analysis

Per the recent news and catalysts feed, the headlines reference several items: a report on recalibrating the earnings mix away from VA incentives toward defense and Medicaid work; a report describing strong cash generation and a cheap valuation; a report on government and technical consulting stocks in Q2; an announcement that Maximus is to acquire Agile Defense for $660M in cash; and a report describing the stock as possibly reasonable following defense deal news. Each item is tagged YELLOW with the impact label "MARKET WIRE." Summary text for each item is generic and does not provide additional quantitative detail. Risk watch items: the $660M cash acquisition is a material use of capital relative to the cash balance of $137.6M per the SEC financials, though the source data does not describe its financing or accretion effect. The Butterfly Supply-Chain Graph reports no proprietary signals.

Open Questions

What are the specific financing terms and expected accretion of the $660M Agile Defense acquisition, and how will it affect the $1509.2M debt balance?
What drove the decline in FCF from $515.3M (FY 2024) to $429.4M (FY 2025) despite higher operating income?
What are the underlying Form 4 insider and 13F transactions behind the insider (18/20) and whale-flow (10/20) pillar scores?
What revenue mix shifts (VA, defense, Medicaid) are described in the news headlines, and what are their quantitative effects?
What is the source of the 52-week high of $100 relative to the current price of $62.84, and what explains the decline?

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 • 14h 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 • 17h 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 • 20h 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 • 23h 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 $63.72?

🐂 50% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON MMS 🐻 50% BEARISH CONVICTION

RO RoarDesk_Moderator Roarable Research Desk ⚖️ DEBATE HOST 🎯 Target: $67.87 (+8.0%)

📌 Pinned Debate

🔥 Official Bull vs. Bear Debate: Is MMS (C+ • RQD 67/100) a Buy at $62.84?

Welcome to the MMS (Maximus Inc.) Roar Pit. Current RQD Composite is 67/100 (Roarable Hold — Upper Neutral / Watch for Breakout) in Business Services. Bulls point to capital efficiency (13.5% ROIC), while bears focus on macro rate sensitivity and margin execution. Pick your side (🐂 Bull or 🐻 Bear) and drop your price target below.

SK SkepticalCFA Forensic Accounting Watch 🐻 BEARISH 🎯 Target: $49.02 (-22.0%)

Spot @ $62.84

Pump the brakes on MMS — check the valuation vs. margin headwinds

Everyone in here is repeating the bull case on MMS, but look at what you are paying: 10.3x trailing P/E with 24.6% gross margins. Unless Maximus Inc. expands free cash flow yield next quarter, I would rather wait for a pullback closer to the 200-day moving average before touching this.

CA CashFlowKing Verified K Arena Trader 🐂 BULLISH 🎯 Target: $72.27 (+15.0%)

Spot @ $62.84

MMS cash flow & RQD setup is being underpriced by the Street here

Looking at the 5-pillar RQD breakdown on MMS, the market is fixating on short-term headline noise in Business Services and ignoring the balance sheet and cash flow trajectory. At $62.84 (52-wk range $51.04 - $100.00), any beat on forward guidance forces shorts and underweight funds to chase.