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Stock Ratings / Consumer Discretionary / RPAY
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Repay Holdings Corporation (Class A) (RPAY) — RQD Stock Rating Cockpit

$4.70 +2.62% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $4.71

Repay Holdings Corporation (Class A) (RPAY) carries a Roarable Rating of D+ (Sell) with 52/100 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 $411.6M
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
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🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is RPAY stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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As of 2026-11-03, 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 52/100 at a spot price of $4.70 (+2.62% 1D, market cap $411.6M). Pillar breakdown: Fundamental Cash Engine 8/20, Institutional 13F & Options Flow 15/20, Executive Insider Alignment 8/20, FRED Macro Regime Fit 12/20, and SEC Balance-Sheet Forensics 9/20. Across 1011 tracked Consumer Discretionary issuers, RPAY ranks #512 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does RPAY compare to CTEV and ADV in the Consumer Discretionary sector?
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Within the Consumer Discretionary sector (Business Services), RPAY carries a Roarable D+ (52/100 RQD), trailing P/E of N/A, gross margin of 75.0%, and ROIC of -31.0%. By comparison, CTEV (Claritev Corporation (Class A)) holds a E grade (23/100 RQD, P/E N/A, ROIC 85.0%, cap $406.7M) and ADV (Advantage Solutions Inc. (Class A)) posts a E grade (33/100 RQD, P/E N/A, ROIC -5.1%, cap $387.6M). Among the 5-stock peer group, RMNI leads on earnings multiple (10.0x) while CTEV 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 RPAY?
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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: Big institutional funds and options desks are actively positioning on the bullish side.. 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.

✓ 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: $4.71 (+0.28%)🧬 Disciplined Float (-0.40% YoY Shares)⚙️ Cash Engine: 8/20 (D-) • 29.4% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record: Scores of 52/100 (D+) historically posted market-perform odds over rolling 90-day windows (-1.1% avg 90D alpha vs SPY • 50.1% hit rate — wait for RQD ≥ 70 breakout).
Audit Bucket Track Record →
RQD QUANT TACHOMETERSELL / AVOID • D+
025507510052
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
Cash (8)Whales (15)SEC (8)Macro (12)CEO (9)
Each axis scored 0–20
12M PRICE TARGET CONE-2.8% Base Target
$5 Bull$5 Base$4 Bear
📬 FREE RPAY RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for RPAY)Realized 20D OHLCV Swing Band: ±8.6%
Deterministic 5-Pillar Attribution (52/100 Composite)
🔍 WHY RPAY SCORES 52/100 (D+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Whale & Options Positioning+15/20 pts (29% of score)

20D Institutional Volume Accumulation (±8.6% realized swing band)

▲ #2 Bullish Driver: Macro Regime Fit+12/20 pts (23% of score)

FRED Regime × Technicals: 99% of 52W Range • RSI-14 at 65.5 (BULLISH MOMENTUM)

▼ #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)
44
Grade D$3.95+3% Next Q
Q2 (-2Q)
47
Grade D$4.07+5.4% Next Q
Q3 (-1Q)
49
Grade D$4.29+9.6% Next Q
Current
52
Grade D+$4.70-1.1% Hist 90D α
Trajectory: D (44) → D+ (52)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 52/100 (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

Big institutional funds and options desks are actively positioning on the bullish side.

🚀 Contrarian Squeeze Trigger #2

Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($3.93) and Max Pain ($4.94) forces dealer call-delta covering toward $5.39.

🚀 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 52%NO 48%Trade / Inspect Odds →
RSI-14 MOMENTUMBULLISH MOMENTUM
65.530 Oversold · 70 Hot
ALTMAN-Z SHIELDDISTRESS RISK (<1.8)
0.20>3.0 Fortress Safe
PIOTROSKI F-SCORESOLID CORE (5–6)
5 / 99-Pt Accounting
52-WEEK LASER RANGE99% OF RANGE
L: $2$4.70H: $5
1. Money & Cash Health● WEAK
Are profits real cash in the bank?

Weak cash conversion or heavy valuation strain compared to actual cash earned.

Factor Grade: D-RQD 8 / 20
2. Big Money & Insiders● NEUTRAL
Are whales & executives buying or selling?

Big funds and company insiders are mostly holding steady without aggressive buying or panic selling.

Factor Grade: C-RQD 24 / 40
3. Hidden Risks & Market Weather● WARNING
SEC fine-print scan & interest-rate fit

High sensitivity to tight interest rates or new risk warnings added to recent SEC annual filings.

Factor Grade: DRQD 20 / 40
MULTI-MODEL JEV QUANT JURY DELIBERATION

2-of-3 JEV AI Jury Bearish Warning on RPAY

Cash & Moat Bull AI
ROIC & Free Cash Flow Model
BEARISH (40)

-31.0% ROIC with 75.0% gross margin and 22.87% FCF yield.

SEC Forensic Auditor AI
10-K Accruals & Altman-Z Guard
BEARISH (40)

Altman-Z 0.20 and Piotroski 5/9 pass balance-sheet audit.

Whale & Macro Hawk AI
Options Skew, 13F & Fed NetLiq
NEUTRAL (60)

24/40 institutional & smart-money positioning score with 12/20 macro alignment.

Bull Case: Why Buyers Like RPAY
  • ✓Big institutional funds and options desks are actively positioning on the bullish side.
Bear Case: What Could Go Wrong
  • !Company executives have done more routine share selling than personal cash buying lately.
  • !Recent SEC filings added new risk-factor disclosures that warrant keeping an eye on margins.
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: +17.50%▲ RESISTANCE BREAKOUT
2026-11-03O $4.42H $4.70L $4.42C $4.70VOL 298.2K
RES: $4.22SUP: $3.76SMA50: $3.93SMA200: $3.58
$4.81$4.35$3.89$3.44$2.98RES $4.22SUP $3.76$4.702026-05-042026-06-172026-08-042026-09-182026-11-03
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

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

Reverse-DCF Expectations Hurdle
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

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 #512 of 1011 ⚔️ CTEV vs RPAY Full Matrix →

1. Head-to-Head Consumer Discretionary Peer Comparison (RPAY vs. CTEV, ADV, 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 #512 by composite RQD confidence (52/100, grade D+) and #608 by equity capitalization ($411.6M). 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 69/100 (C+) compared with RPAY at 52/100 (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+ 52/100 — 75.0% -31.0% +2.62% $411.6M Benchmark Subject
CTEV
Claritev Corporation (Class A)
E 23/100 — — 85.0% -4.50% $406.7M /ctev-vs-rpay →
ADV
Advantage Solutions Inc. (Class A)
E 33/100 — — -5.1% +5.99% $387.6M /adv-vs-rpay →
RMNI
Rimini Street Inc.
C+ 69/100 10.0x 60.4% 85.0% -1.61% $459.8M /rmni-vs-rpay →
FVRR
Fiverr International Ltd. no par value
D- 43/100 15.5x 81.6% -0.3% +3.10% $301.6M /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 2026-11-03, 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 52/100 at a spot price of $4.70 (+2.62% 1D, market cap $411.6M). Pillar breakdown: Fundamental Cash Engine 8/20, Institutional 13F & Options Flow 15/20, Executive Insider Alignment 8/20, FRED Macro Regime Fit 12/20, and SEC Balance-Sheet Forensics 9/20. Across 1011 tracked Consumer Discretionary issuers, RPAY ranks #512 in composite RQD confidence.

How does RPAY compare to CTEV and ADV in the Consumer Discretionary sector?

Within the Consumer Discretionary sector (Business Services), RPAY carries a Roarable D+ (52/100 RQD), trailing P/E of N/A, gross margin of 75.0%, and ROIC of -31.0%. By comparison, CTEV (Claritev Corporation (Class A)) holds a E grade (23/100 RQD, P/E N/A, ROIC 85.0%, cap $406.7M) and ADV (Advantage Solutions Inc. (Class A)) posts a E grade (33/100 RQD, P/E N/A, ROIC -5.1%, cap $387.6M). 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: Big institutional funds and options desks are actively positioning on the bullish side.. 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 $4.70 (+2.62% on volume of 536,620 shares), positioning the stock +19.59% above its 50-day simple moving average ($3.93) and +31.28% above its 200-day simple moving average ($3.58). Across its 52-week range of $2.30 to $4.60, RPAY sits at the 100.0% percentile with a 14-day RSI of 65.5 (BULLISH MOMENTUM) and an implied next-earnings move of ±8.6% ($4.30 to $5.10).

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
ROARABLE RATING BRIEF • RQD 52/100 (D+) ✓ SEC XBRL & RQD VERIFIED

RPAY — Repay Holdings Corporation (Class A): What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

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

Repay Holdings Corporation (Class A) (RPAY) earns a live Roarable RQD composite score of 52/100, corresponding to a D+ letter grade (Roarable Sell) at a spot price of $4.70 (+2.62% 1D, market capitalization $411.6M).

  • Fundamental Cash Engine (8/20): Anchored by return on invested capital (ROIC) of -31.0%, gross margin of 75.0%, operating margin of -60.0%, and free cash flow yield of 22.87%.
  • Whale 13F & Options Flow (15/20) + Insider Conviction (8/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (12/20) + Forensic Balance Sheet (9/20): Incorporates a 1.00x equity beta, Altman Z-Score of 0.20, Piotroski F-Score of 5/9, and Debt/Equity of 0.58x.

2. Business Model, Unit Margins & SEC Financial Trajectory

Repay Holdings Corporation (Class A) is listed on NASDAQ under RPAY and is classified by the source data as Consumer Discretionary, within the Business Services industry. The company has a market capitalization of $0.4B.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), Repay Holdings Corporation (Class A) (RPAY) reported $309.3M in annual revenue (up from $313.0M in FY2024, -1.2% YoY) and -$256.7M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($296.6M revenue, -$110.5M net income) through FY2025, RPAY scaled operating cash flow to $91.1M and free cash flow to $90.8M, backed by $1.20B in total assets against $280.1M in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case (D+ • RQD 52/100): Big institutional funds and options desks are actively positioning on the bullish side. Free cash flow yield of 22.87% and institutional whale pillar of 15/20. With Fundamental Cash Engine at 8/20 and Institutional Whale Flow at 15/20, sustained execution supports upside toward the upper end of the $2.30 – $4.60 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Company executives have done more routine share selling than personal cash buying lately. Investors must weigh current valuation against -60.0% operating margins and a 1.00x macro beta.

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

The sector is Consumer Discretionary and the industry is Business Services. No upstream or downstream dependencies, sector correlations, or second-order bottlenecks are identified in the source data.

  • Key Question #1: Can RPAY sustain or expand its -60.0% operating margin and -31.0% ROIC against Business Services peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $309.3M and free cash flow of $90.8M, how will capital allocation balance growth reinvestment against $280.1M in total debt?
  • Key Question #3: How sensitive is RPAY's equity valuation to Consumer Discretionary capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

RPAY Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Repay Holdings Corporation (Class A) (RPAY) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to RPAY Debate Forum (3) ↓
🟢 CATALYST Yahoo Finance • 31d ago
Should Value Investors Buy Repay (RPAY) Stock?

Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and

Read Full Source ↗
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

RPAY Bull vs. Bear Conversation Board — What's Your Call at $4.70?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON RPAY 🐻 33% BEARISH CONVICTION
1. Pick Your Side on RPAY:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
AL AlphaFlow_Cap RQD DEBATE OPENER • Verified $100K Arena Trader 🐂 BULLISH 🎯 Target: $6.00 (+31.0%)
📌 Pinned Debate

The 22.87% FCF yield and 75% gross margin signal the business generates substantial cash relative to its market value despite large rep

Don't sleep on RPAY's setup in Consumer Discretionary. The 22.87% FCF yield and 75% gross margin signal the business generates substantial cash relative to its market value despite large reported losses.. Beta of 1.0 means it moves fast when momentum turns, and the 5-pillar RQD gauge (52/100) backs up the fundamental quality.

RetailWhale_TX 🐂 BULL

@BearTrap_Alert Shorting a 15/20 institutional whale-flow stock at $4.58 is dangerous when funds are rotating into Consumer Discretionary.

BE BearTrap_Alert RQD DEBATE OPENER • Cycle Peak Watcher 🐻 BEARISH 🎯 Target: $3.85 (-15.9%)
Spot @ $4.58

A -31% ROIC, -60% operating margin, and an Altman Z-Score of 0.2 indicate weak returns on capital and elevated financial distress risk.

I respect the product at Repay Holdings Corporation (Class A), but the stock at $4.58 is a different story. A -31% ROIC, -60% operating margin, and an Altman Z-Score of 0.2 indicate weak returns on capital and elevated financial distress risk.. FCF yield is 22.87% and RQD sits at 52/100 (D+) — why pay up here when you can wait for next quarter's numbers?

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