RPAY vs STNE Stock Comparison
Compare RPAY and STNE across AIQ Score, fundamentals, valuation, momentum, risk, analyst expectations and current market evidence.
What is the main difference between RPAY and STNE?
STNE leads the current stock comparison as StoneCo Ltd., with the clearest separation coming from quality and the broader AIQ evidence mix.
AlgovestIQ AIQ Comparison
Repay Holdings Corporation vs StoneCo Ltd.
STNE leads
STNE leads by 15 AIQ points, primarily on Quality and Momentum, and the lead has widened from 9 points over 30 sessions.
Competitive: 3 of 6 evidence groups support STNE, its lead is widening, and its current signal state is conflicted.
Repay Holdings Corporation
StoneCo Ltd.
The Algovestiq AIQ Score currently favors STNE over RPAY, 61 versus 46 as of Sep 11, 2026. STNE's advantage is driven primarily by stronger quality and momentum. STNE also shows the stronger technical structure relative to its 50-day moving average. 3 of 6 covered evidence groups favor STNE today, and the comparison is rated Competitive on stability: only 3 of 6 covered evidence groups agree. STNE lead: Strengthening — the AIQ differential moved from 9 to 15 points over 30 sessions.
Compare Repay Holdings Corporation and StoneCo Ltd. across the Algovestiq AIQ Score, valuation, quality, momentum, risk, technicals and analyst expectations.
Performance over time
Price-return comparison using available daily close history.
Total return comparison
Growth of $10,000
Based on available close-price history. Distribution reinvestment is not added unless already reflected in the source series.
Compare RPAY and STNE against another ticker
Open a multi-ticker workspace without changing this focused pair page.
AIQ Factor Divergence
Where the two separate, on the four dimensions behind the AIQ Score. Bars read outward from a shared zero: further from the centre is a wider gap.
- Quality35 vs 63STNE +28
- Momentum39 vs 59STNE +20
- Risk Resilience25 vs 34STNE +9
- Value75 vs 75Even
3 of 6 evidence groups favor STNE. STNE’s edge is concentrated in quality and momentum.
What changed since the last close
Latest scored session 2026-09-10, compared against the prior scored session 2026-09-09.
Largest factor move: Momentum -6
No new signals fired.
Largest factor move: Momentum +11
New signals
- RSI Overbought — bearish, momentum, short horizon
STNE's lead widened by 4 AIQ points in the latest snapshot.
Deeper signal detail for each name lives on its own signals page — RPAY and STNE both carry a full feed there.
The central trade-off
STNE (StoneCo Ltd.): the stronger current systematic profile, led by quality and momentum.
RPAY (Repay Holdings Corporation): the counter-case, on fundamentals, technicals — but at materially higher volatility, 59.3% against 50.6%.
Which one fits your objective
The same two names rank differently depending on what you are optimizing for. All six reads are shown at once — none of them is hidden behind a toggle.
Balanced
STNESTNE on the overall AIQ Score, which weights Quality and Value most heavily.
Growth
RPAYRPAY on combined revenue and EPS growth.
Value
EvenThe two are level on Value.
Momentum
STNESTNE on the Momentum factor, by 20 points.
Lower downside
STNESTNE on Risk Resilience, by 9 points.
Analyst upside
STNESTNE on implied upside to the consensus price target.
AIQ vs Wall Street
Where the systematic read and the analyst consensus line up — and where they do not.
| Measure | RPAY | STNE | Note |
|---|---|---|---|
| Implied upside to target | +24.7% | +37.8% | STNE has more room |
| Target dispersion | +50.7% | +17.2% | Lower is tighter analyst agreement |
| Consensus | Buy | Buy | Context, not a primary driver |
| Analysts covering | 3 | 4 | Higher coverage generally improves confidence |
Analyst targets are expectations, not predictions. Dispersion matters as much as the midpoint.
AIQ Agreement Matrix
3 of 6 covered evidence groups favor STNE. A wide gap backed by one group is a weaker case than a narrow gap backed by five.
| Evidence group | Favors | Reading |
|---|---|---|
| AIQ Score | STNE | 46 vs 61 |
| Fundamentals | RPAYon balance | revenue growth 24.6% vs -6.7%; EPS growth -8.3% vs -73.7%; TTM ROE -32.6% vs 29.7%; gross margin 73.5% vs 72.4%; operating margin -3.1% vs 50% — RPAY takes 3 of 5 decided legs, not all of them |
| Valuation | Even | Value 75 vs 75 |
| Technicals | RPAY | Price vs 50-day -8% vs -3.7%; vs 200-day 1.8% vs -21% |
| Risk Resilience | STNE | Risk Resilience 25 vs 34 |
| Analyst expectations | STNE | Target upside 24.7% vs 37.8% |
✓ agrees with the overall verdict · ✕ points the other way. Groups marked “not covered” lack data on one or both of RPAY and STNE and are excluded from the count.
AIQ Decision Stability
The two are close enough that your objective, not the score, should decide.
- The AIQ gap is wide at 15 points. (supports the conclusion holding)
- Only 3 of 6 covered evidence groups agree. (argues the conclusion is provisional)
- The leader's advantage has been widening. (supports the conclusion holding)
- The leader is throwing conflicting signals. (argues the conclusion is provisional)
Stability combines the score gap, how broadly the evidence agrees, how steady the lead has been across daily snapshots, the current signal state on both names, and analyst dispersion on STNE.
How the comparison changed
119 daily snapshots · May 4 – Sep 10STNE lead: Strengthening — the AIQ differential moved from 9 to 15 points over 30 sessions.
- Today
- STNE +15
- 46 vs 61
- 7 sessions ago
- STNE +8
- 52 vs 60
- 30 sessions ago
- STNE +9
- 46 vs 55
- 90 sessions ago
- STNE +3
- 56 vs 59
The lead has not changed hands in this window.
AIQ Signal Divergence
Only the signals that bear on the head-to-head. A conflicted name is carrying bullish and bearish rules at the same time — the technical evidence is not pointing one way.
1 bullish / 1 bearish / 1 neutral, conflicted
- Golden Cross Active — bullish, trend, long horizon (10.67%)
- ATR Expansion - Breakout Mode — neutral, volatility, short horizon (4.99%)
- MACD Bearish Crossover — bearish, momentum, short horizon
1 bullish / 3 bearish / 2 neutral, conflicted
- Death Cross Active — bearish, trend, long horizon (24.26%)
- Bollinger Band Squeeze — neutral, volatility, short horizon
- RSI Overbought — bearish, momentum, short horizon
STNE leads the comparison while carrying a conflicted signal state, which is one reason the stability rating is not higher.
Price vs model alignment
Whether the latest session's price move confirms what the model did over the same session, or contradicts it.
Neither the price nor the AIQ Score moved enough in the latest session to confirm or contradict the other (price 0%, AIQ -2 points).
Price is down while the AIQ Score moved up 2 points over the same session — price and model disagree (price -1.94%, AIQ +2 points).
What would flip this result
A state, not a forecast. These are the specific, observable changes that would reverse the verdict — not a price prediction.
- 1RPAY closes the Quality gap — currently 28 points behind, the largest single contributor to STNE's edge.
- 2RPAY's MACD Bearish Crossover resolves — a bearish momentum rule currently active against it.
- 3STNE's conflicting signal state resolves bearish — it currently carries 1 bullish and 3 bearish rules at once.
- 4A regime shift changes factor weighting — Quality and Value carry the heaviest weights in the composite, so a rotation toward either would move the result most.
The full evidence
Every number behind the verdict. The leader is called above each group so you are not left to solve it from the table.
Fundamentals
RPAY leads on balance| Metric | RPAY | STNE |
|---|---|---|
| Revenue growth (YoY) | 24.6% | -6.7% |
| EPS growth (YoY) | -8.3% | -73.7% |
| Gross margin | 73.5% | 72.4% |
| Operating margin | -3.1% | 50% |
| Return on equity (TTM) | -32.6% | 29.7% |
| Debt to equity | 1.64 | 1.81 |
Performance
RPAY leads 4 of 6 windows| Metric | RPAY | STNE |
|---|---|---|
| 1 week (5 sessions) | -7% | -0.7% |
| 1 month (20 sessions) | -5.3% | 3% |
| 3 months (63 sessions) | 5.3% | -2.8% |
| 6 months (126 sessions) | 25.4% | -29.2% |
| Year to date | -2.5% | -30.4% |
| 1 year (252 sessions) | -39.9% | -40.3% |
Technicals
RPAY has the stronger structure| Metric | RPAY | STNE |
|---|---|---|
| RSI (14) | 39.3 | 70.6 |
| ADX (14) | 11.3 | 17.9 |
| Price vs 50-day | -8% | -3.7% |
| Price vs 200-day | 1.8% | -21% |
| Volatility (1M, annualized) | 59.3% | 50.6% |
Risk
STNE is the more resilient| Metric | RPAY | STNE |
|---|---|---|
| Beta | 1.62 | 1.5 |
| Sharpe ratio | -0.42 | -0.88 |
| Sortino ratio | -0.74 | -1.05 |
| Max drawdown | -59.7% | -53.1% |
| Current drawdown | -40.3% | -47.1% |
| Annualized volatility | 72.6% | 51.5% |
| Value at risk (95%) | -6.5% | -5% |
Straight answers
Each answer is regenerated from the current snapshot, not written once and left to age.
Which is better, RPAY or STNE?
On the Algovestiq AIQ Score, STNE is the stronger of the two as of Sep 11, 2026, scoring 61 against RPAY's 46. The edge comes from quality and momentum. This is a systematic score, not a recommendation: it ranks the two on the same evidence, it does not know your holding period or tax position.
Is RPAY or STNE the better buy right now?
STNE carries the stronger systematic profile as of Sep 11, 2026, and the comparison is rated Competitive — 3 of 6 covered evidence groups agree. A Competitive rating means the two are close enough that your objective, not the score, should decide.
Why does the AIQ Score favor STNE over RPAY?
The composite weights Quality, Value, Momentum and Risk Resilience. STNE leads Quality by 28 points; STNE leads Momentum by 20 points; STNE leads Risk Resilience by 9 points. Where the two split, the factor with the larger weight carries the result.
Which has more analyst upside, RPAY or STNE?
Analyst price targets imply +24.7% upside for RPAY and +37.8% for STNE, so the Street currently favors STNE. The model and the Street agree here, which is a broader base of evidence than either alone. Analyst targets are expectations, not predictions, and dispersion matters as much as the midpoint.
Which is better value, RPAY or STNE?
Neither name separates on the peer-relative Value factor. The two are level on Value. The Value factor reads valuation relative to sector peers and to the company's own fundamental quality, so it is not the same as simply having the lower multiple.
Which has stronger growth, RPAY or STNE?
RPAY on combined revenue and EPS growth. Growth here is measured on reported revenue and earnings, not on forward estimates — it describes what the businesses have delivered, not what the Street expects next.
Which has stronger momentum, RPAY or STNE?
STNE on the Momentum factor, by 20 points. Momentum is one of the four weighted factors in the AIQ composite. It has documented persistence over three- to twelve-month horizons, which makes it a timing input rather than a reason to hold something indefinitely.
Which is riskier, RPAY or STNE?
STNE is the more resilient of the two, so the other name carries the higher downside risk. STNE on Risk Resilience, by 9 points. Risk Resilience is a weighted factor in the composite; position sizing usually responds to it more usefully than the buy/avoid decision does.
Is RPAY more profitable than STNE?
The profitability evidence is mixed: gross margin 73.5% vs 72.4%; operating margin -3.1% vs 50%; ttm roe -32.6% vs 29.7%. RPAY leads on one measure and STNE on two measures, and there is no single profitability composite that resolves the split — which of the two reads as "more profitable" depends on whether you weight pricing power or operating leverage.
Is STNE's lead over RPAY getting stronger or weaker?
STNE lead: Strengthening — the AIQ differential moved from 9 to 15 points over 30 sessions. This is measured from 119 daily comparison snapshots between 2026-05-04 and 2026-09-10. The lead has not changed hands in that window.
What would change the RPAY vs STNE verdict?
The result is a state, not a forecast, so it changes when the underlying evidence changes. Concretely: RPAY closes the Quality gap — currently 28 points behind, the largest single contributor to STNE's edge; RPAY's MACD Bearish Crossover resolves — a bearish momentum rule currently active against it; STNE's conflicting signal state resolves bearish — it currently carries 1 bullish and 3 bearish rules at once; a regime shift changes factor weighting — Quality and Value carry the heaviest weights in the composite, so a rotation toward either would move the result most.
What do the current signals say about RPAY and STNE?
RPAY: 1 bullish / 1 bearish / 1 neutral, conflicted. STNE: 1 bullish / 3 bearish / 2 neutral, conflicted. A conflicted state means bullish and bearish rules are active on the same name at once — the technical evidence is not pointing one way, and a decision taken on it carries more timing risk. The most decision-relevant rule on RPAY is Golden Cross Active (bullish, long horizon). On STNE it is Death Cross Active (bearish, long horizon).
Compare RPAY and STNE with others
Continue your research
This page answers which of the two. These answer the questions on either side of it.
How this comparison is scored
The Algovestiq AIQ Score composites four factors — Quality, Value, Momentum and Risk, each carrying a fixed weight. Sentiment is reported separately as SentimentPulse and is not folded into the composite. Scores refresh every trading day, and this page regenerates from the latest snapshot rather than being written once.
The verdict names a leader, states how broadly six independent evidence groups agree, and rates how durable that conclusion is given the score gap, its recent trajectory and the current signal state on both names.
How to use side-by-side comparison →This comparison is informational and educational, not investment advice. AIQ scores update daily; re-check after earnings, guidance or macro data that materially changes either name’s factor profile.