Financial Analysis: Rego Payment Architectures (RPMT) and The Competition

Rego Payment Architectures (OTCMKTS:RPMT) is one of 434 public companies in the “Prepackaged software” industry, but how does it compare to its competitors? We will compare Rego Payment Architectures to similar companies based on the strength of its analyst recommendations, earnings, profitability, dividends, institutional ownership, valuation and risk.

Institutional and Insider Ownership

0.0% of Rego Payment Architectures shares are owned by institutional investors. Comparatively, 57.8% of shares of all “Prepackaged software” companies are owned by institutional investors. 16.6% of Rego Payment Architectures shares are owned by company insiders. Comparatively, 19.4% of shares of all “Prepackaged software” companies are owned by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company will outperform the market over the long term.

Analyst Recommendations

This is a summary of recent ratings and target prices for Rego Payment Architectures and its competitors, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Rego Payment Architectures	0	0	0	0	N/A
Rego Payment Architectures Competitors	2199	14551	29014	768	2.61

As a group, “Prepackaged software” companies have a potential upside of 12.68%. Given Rego Payment Architectures’ competitors higher possible upside, analysts plainly believe Rego Payment Architectures has less favorable growth aspects than its competitors.

Profitability

This table compares Rego Payment Architectures and its competitors’ net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Rego Payment Architectures	N/A	N/A	-217.27%
Rego Payment Architectures Competitors	-66.91%	-28.97%	-7.27%

Volatility and Risk

Rego Payment Architectures has a beta of -0.52, indicating that its share price is 152% less volatile than the S&P 500. Comparatively, Rego Payment Architectures’ competitors have a beta of 1.23, indicating that their average share price is 23% more volatile than the S&P 500.

Valuation & Earnings

This table compares Rego Payment Architectures and its competitors top-line revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Net Income	Price/Earnings Ratio
Rego Payment Architectures	N/A	-$16.72 million	-8.38
Rego Payment Architectures Competitors	$2.04 billion	$293.66 million	16.61

Rego Payment Architectures’ competitors have higher revenue and earnings than Rego Payment Architectures. Rego Payment Architectures is trading at a lower price-to-earnings ratio than its competitors, indicating that it is currently more affordable than other companies in its industry.

Summary

Rego Payment Architectures competitors beat Rego Payment Architectures on 8 of the 10 factors compared.

Rego Payment Architectures Company Profile

Rego Payment Architectures, Inc., together with its subsidiaries, provides consumer software solutions. The company provides Mazoola, a mobile payment platform that enables individual users to own and monetize their purchasing behavior. Its online solution enables families and parents to teach their children about financial management and spending, as well as provides children to make secure and private payments, savings, donations, and investments. The company also focuses on blockchain as a business solution for the retail and consumer packaged goods industries; and provides cloud storage as a service. The company was formerly known as Virtual Piggy, Inc. and changed its name to Rego Payment Architectures, Inc. in February 2017. Rego Payment Architectures, Inc. was incorporated in 2008 and is headquartered in Blue Bell, Pennsylvania.