OTCPK:RPMT

Stock Analysis Report

Rego Payment Architectures

Executive Summary

Rego Payment Architectures, Inc., together with its subsidiaries, operates as a technology company that delivers an online and mobile payment platform solution for families in the United States and Europe.


Snowflake Analysis

Weak fundamentals or lack of information.


Similar Companies

Share Price & News

How has Rego Payment Architectures's share price performed over time and what events caused price changes?


Latest Share Price and Events

Stable Share Price: RPMT's share price has been volatile over the past 3 months.


Market Performance


7 Day Return

-21.1%

RPMT

-12.1%

US IT

-10.6%

US Market


1 Year Return

62.2%

RPMT

16.7%

US IT

5.2%

US Market

Return vs Industry: RPMT exceeded the US IT industry which returned 21.9% over the past year.

Return vs Market: RPMT exceeded the US Market which returned 10.2% over the past year.


Shareholder returns

RPMTIndustryMarket
7 Day-21.1%-12.1%-10.6%
30 Day87.5%-9.0%-8.5%
90 Day100.2%-2.0%-4.6%
1 Year62.2%62.2%17.9%16.7%7.4%5.2%
3 Year5.3%5.3%82.2%74.4%31.7%23.2%
5 Year-25.9%-25.9%119.6%100.4%56.4%39.3%

Price Volatility Vs. Market

How volatile is Rego Payment Architectures's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is Rego Payment Architectures undervalued compared to its fair value and its price relative to the market?


In this section, we usually try to help investors determine whether Rego Payment Architectures is trading at an attractive price based on the cash flow it is expected to produce in the future. But as Rego Payment Architectures has not provided consistent financial data, and the stock also has no analyst forecast or coverage, its intrinsic value cannot be reliably calculated by extrapolating past data or using analyst consensus cash flow predictions.

This is quite a rare situation as 89% of companies covered by Simply Wall St do have a valuation analysis.


Next Steps

  • Take a look at our analysis of RPMT’s management and see if the CEO’s compensation is within a reasonable range, who is on the board and if insiders have been trading lately.
  • When valuing a company like this, investors focus more on how they perceive the size of the opportunity, the company's ability to deliver and scale, and the strength of the team. While we are not analysing this type of data at the moment, if you don’t know where to start, we recommend reading through Rego Payment Architectures regulatory filings here.
  • Explore potentially undervalued companies in the Software industry.

Future Growth

How is Rego Payment Architectures forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?

16.8%

Forecasted Software industry annual growth in earnings


In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Rego Payment Architectures has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.

This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.


Next Steps

  • Take a look at our analysis of RPMT’s management and see if the CEO’s compensation is within a reasonable range, who is on the board and if insiders have been trading lately.
  • While we do not consider unaudited financials to be a reliable enough to include in our analysis, you can access them on the OTC Markets Website. If you are looking for more of a qualitative research into the company, you can access Rego Payment Architectures's filings and announcements here.
  • Explore growth companies in the Software industry.

Past Performance

How has Rego Payment Architectures performed over the past 5 years?

22.9%

Historical annual earnings growth


Earnings and Revenue History

Quality Earnings: RPMT is currently unprofitable.

Growing Profit Margin: RPMT is currently unprofitable.


Past Earnings Growth Analysis

Earnings Trend: RPMT is unprofitable, but has reduced losses over the past 5 years at a rate of 22.9% per year.

Accelerating Growth: Unable to compare RPMT's earnings growth over the past year to its 5-year average as it is currently unprofitable

Earnings vs Industry: RPMT is unprofitable, making it difficult to compare its past year earnings growth to the IT industry (12%).


Return on Equity

High ROE: RPMT's liabilities exceed its assets, so it is difficult to calculate its Return on Equity.


Return on Assets


Return on Capital Employed


Next Steps

Financial Health

How is Rego Payment Architectures's financial position?


Financial Position Analysis

Short Term Liabilities: RPMT has negative shareholder equity, which is a more serious situation than short term assets not covering short term liabilities.

Long Term Liabilities: RPMT has negative shareholder equity, which is a more serious situation than short term assets not covering long term liabilities.


Debt to Equity History and Analysis

Debt Level: RPMT has negative shareholder equity, which is a more serious situation than a high debt level.

Reducing Debt: RPMT's has negative shareholder equity, so we do not need to check if its debt has reduced over time.


Balance Sheet

Inventory Level: RPMT has a low level of unsold assets or inventory.

Debt Coverage by Assets: RPMT has negative shareholder equity (liabilities exceed assets) therefore debt is not covered by short term assets.


Cash Runway Analysis

For companies that have on average been loss making in the past we assess whether they have at least 1 year of cash runway.

Stable Cash Runway: RPMT has less than a year of cash runway based on its current free cash flow.

Forecast Cash Runway: RPMT has less than a year of cash runway if free cash flow continues to grow at historical rates of 43% each year.


Next Steps

Dividend

What is Rego Payment Architectures's current dividend yield, its reliability and sustainability?


Dividend Yield vs Market

companyn/amarketbottom25%1.6%markettop25%4.1%industryaverage1.4%forecastin3Yearsn/a

Current dividend yield vs market & industry

Notable Dividend: Unable to evaluate RPMT's dividend yield against the bottom 25% of dividend payers, as the company has not reported any payouts.

High Dividend: Unable to evaluate RPMT's dividend yield against the top 25% of dividend payers, as the company has not reported any payouts.


Stability and Growth of Payments

Stable Dividend: Insufficient data to determine if RPMT's dividends per share have been stable in the past.

Growing Dividend: Insufficient data to determine if RPMT's dividend payments have been increasing.


Current Payout to Shareholders

Dividend Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.


Future Payout to Shareholders

Future Dividend Coverage: No need to calculate the sustainability of RPMT's dividend in 3 years as they are not forecast to pay a notable one for the US market.


Next Steps

Management

How experienced are the management team and are they aligned to shareholders interests?

2.7yrs

Average management tenure


CEO

David Knight (55yo)

2.3yrs

Tenure

US$1,125,266

Compensation

Mr. David A. Knight has been the Chairman and Chief Executive Officer of Rego Payment Architectures, Inc. since October 25, 2017 and its Corporate Secretary since April 16, 2018. Mr. Knight has been the Pr ...


CEO Compensation Analysis

Compensation vs Market: David's total compensation ($USD1.13M) is above average for companies of similar size in the US market ($USD529.87K).

Compensation vs Earnings: Insufficient data to compare David's compensation with company performance.


Leadership Team

NamePositionTenureCompensationOwnership
David Knight
Chairman2.3yrsUS$1.13m0.21% $73.8k
Scott McPherson
Chief Financial Officer4.6yrsUS$604.31k0.042% $15.0k
David Aparo
Interim Chief Technology Officer 2.2yrsno datano data
Kathleen Tobia
Controller0yrsno datano data
Robert Marino
Consultant and Senior Advisor3.1yrsno datano data

2.7yrs

Average Tenure

55yo

Average Age

Experienced Management: RPMT's management team is considered experienced (2.7 years average tenure).


Board Members

NamePositionTenureCompensationOwnership
David Knight
Chairman2.3yrsUS$1.13m0.21% $73.8k
John DeJoria
Member of Board of Advisors7.6yrsno data9.71% $3.5m
Helmuth Freericks
Member of Board of Advisor3.3yrsno datano data
Rodney Jerkins
Member of Advisory Board5.2yrsno datano data
Kirk Bradley
Head of Technology Advisory Board2.2yrsno datano data
Stedman Graham
Member of Board of Advisors7.8yrsno datano data
Gerald Hannahs
Director4.9yrsUS$435.68k0.72% $256.8k
Sela Ward
Member of Board of Advisors7.5yrsno datano data
Donald Codling
Member of Board of Advisors6.8yrsno datano data
Alan Friel
Member of Board of Advisors6.8yrsno datano data

6.0yrs

Average Tenure

65yo

Average Age

Experienced Board: RPMT's board of directors are considered experienced (6 years average tenure).


Ownership

Who are the major shareholders and have insiders been buying or selling?


Insider Trading Volume

Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.


Ownership Breakdown

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.


Top Shareholders

Company Information

Rego Payment Architectures, Inc.'s company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Rego Payment Architectures, Inc.
  • Ticker: RPMT
  • Exchange: OTCPK
  • Founded: 2008
  • Industry: Data Processing and Outsourced Services
  • Sector: Software
  • Market Cap: US$35.879m
  • Shares outstanding: 119.60m
  • Website: https://www.regopayments.com

Number of Employees


Location

  • Rego Payment Architectures, Inc.
  • 18327 Gridley Road
  • Suite K
  • Cerritos
  • California
  • 90703
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
RPMTOTCPK (Pink Sheets LLC)YesCommon StockUSUSDOct 2008

Biography

Rego Payment Architectures, Inc., together with its subsidiaries, operates as a technology company that delivers an online and mobile payment platform solution for families in the United States and Europe. The company’s system allows parents and their children to manage, allocate funds, and track their expenditures, savings, and charitable giving on a mobile device, as well as online through its Web portal. Its payment platform also automatically monitors regulatory compliance in real-time for various transactions, as well as protects vendors from unintended regulatory infractions. The company offers its products under the Oink brand name. 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 founded in 2008 and is based in Cerritos, California. 


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2020/02/28 01:02
End of Day Share Price2020/02/27 00:00
Earnings2019/09/30
Annual Earnings2018/12/31


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.