FPAY stock may face bearish pressure as its RSI of 39.65 indicates weak momentum, and the price is trading near the Fibonacci pivot of $1.48, with resistance at $1.64. Despite recent insider buying and strong Q4 2024 results, the stock's valuation remains stretched, with a price target of $2.50-$4 suggesting limited upside. A break below $1.33 (Fibonacci support) could signal further downside risk.