Critical Review: Rego Payment Architectures (RPMT) versus Its Competitors

Rego Payment Architectures (OTCMKTS:RPMT) is one of 441 public companies in the “Prepackaged software” industry, but how does it contrast to its peers? We will compare Rego Payment Architectures to similar businesses based on the strength of its dividends, risk, valuation, institutional ownership, earnings, profitability and analyst recommendations.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Rego Payment Architectures	N/A	N/A	-257.45%
Rego Payment Architectures Competitors	-77.68%	-45.72%	-7.79%

Earnings & Valuation

This table compares Rego Payment Architectures and its peers revenue, earnings per share and valuation.

	Gross Revenue	Net Income	Price/Earnings Ratio
Rego Payment Architectures	N/A	-$16.72 million	-8.62
Rego Payment Architectures Competitors	$2.05 billion	$294.13 million	26.56

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

Risk & Volatility

Rego Payment Architectures has a beta of -0.56, meaning that its stock price is 156% less volatile than the S&P 500. Comparatively, Rego Payment Architectures’ peers have a beta of 1.33, meaning that their average stock price is 33% more volatile than the S&P 500.

Analyst Ratings

This is a breakdown of current ratings and price targets for Rego Payment Architectures and its peers, 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	2176	14453	28828	757	2.61

As a group, “Prepackaged software” companies have a potential upside of 17.97%. Given Rego Payment Architectures’ peers higher possible upside, analysts clearly believe Rego Payment Architectures has less favorable growth aspects than its peers.

Institutional & Insider Ownership

0.0% of Rego Payment Architectures shares are owned by institutional investors. Comparatively, 57.9% 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, 19.7% of shares of all “Prepackaged software” companies are owned by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock is poised for long-term growth.

Summary

Rego Payment Architectures peers 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.