A Business at a Glance
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REGO PAYMENT ARCHITECTURES, INC.
RPMT
$73M
Mkt Cap
$0.53
-3.11%
REGO PAYMENT ARCHITECTURES, INC. (RPMT) has a 5-year average return on invested capital (ROIC) of -126.7%. This is below average and may indicate limited pricing power.
REGO PAYMENT ARCHITECTURES, INC. (RPMT) has a market capitalization of $73M. It is classified as a small-cap stock.
REGO PAYMENT ARCHITECTURES, INC. (RPMT) does not currently pay a regular dividend.
REGO PAYMENT ARCHITECTURES, INC. (RPMT) operates in the Services-Prepackaged Software industry, within the Technology sector.
REGO PAYMENT ARCHITECTURES, INC. (RPMT) generated $-6 million in free cash flow in its most recent fiscal year. Negative free cash flow may indicate heavy investment or operational challenges.
REGO PAYMENT ARCHITECTURES, INC. (RPMT) reported earnings per share (EPS) of $-0.09 in its most recent fiscal year.
REGO PAYMENT ARCHITECTURES, INC. (RPMT) has a return on equity (ROE) of 29.0%. This indicates the company generates strong returns for shareholders.
General Development REGO Payment Architectures, Inc. (the “Company,” “REGO,” “we”, or “us”) was incorporated in Delaware on February 11, 2008 under the name Chimera International Group, Inc. On April 4, 2008, we amended our certificate of incorporation and changed our name to Moggle, Inc. On August 22, 2011, we filed a Certificate of Ownership with the Secretary of State of Delaware, pursuant to which the Company’s newly formed wholly owned subsidiary, Virtual Piggy Incorporated was merged into and with the Company (the “Merger”). In connection with the Merger and in accordance with Section 253 of the Delaware General Corporation Law, the name of the Company was changed from “Moggle, Inc.” to “Virtual Piggy, Inc.” On February 28, 2017, we amended our certificate of incorporation and changed our name to REGO Payment Architectures, Inc. Our principal offices are located at 325 Sentry Parkway, Suite 200, Blue Bell, PA 19422 and our telephone number is (267) 465-7530.
| Metric | TTM | FY2025 | FY2023 | FY2022 | FY2021 | FY2020 |
|---|---|---|---|---|---|---|
| Revenue | 0 | 0 | 0 | - | - | 0 |
| Net Income | -12M | -12M | -19M | -18M | -12M | -16M |
| EPS | $-0.09 | $-0.09 | $-0.14 | $-0.14 | $-0.10 | $-0.13 |
| Free Cash Flow | -6.1M | -6.1M | -7.2M | -6.3M | -5.1M | -2.2M |
| ROIC | -1366.6% | 0.0% | -189.0% | -191.1% | -763.9% | -334.9% |
| Gross Margin | - | 0.0% | 0.0% | - | - | 0.0% |
| Debt/Equity | 0.00 | -0.08 | -0.03 | -0.02 | -0.03 | -0.04 |
| Dividends/Share | $0.00 | $0.00 | $0.00 | - | - | $0.00 |
| Operating Income | -8.5M | -8.5M | -16M | -15M | -10M | -3.2M |
| Operating Margin | 0.0% | 0.0% | 0.0% | - | - | 0.0% |
| ROE | 0.0% | 29.0% | 57.7% | 53.5% | 40.5% | 63.8% |
| Shares Outstanding | 138M | 138M | 135M | 126M | 118M | 120M |
| Metric | |||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||||
| Revenue | N/A | N/A | N/A | N/A | 0 | N/A | N/A | 0 | N/A | N/A | 0 | 0 | 0 |
| Gross Margin | N/A | N/A | N/A | N/A | 0.0% | N/A | N/A | 0.0% | N/A | N/A | 0.0% | 0.0% | N/A |
| R&D | 1.5M | 2.7M | 3.3M | 1.6M | 830K | 868K | 238K | 1.1M | 2.8M | 2.1M | 2.9M | 3.3M | 3.3M |
| SG&A | 3.4M | 4.6M | 5.4M | 3.4M | 3.0M | 4.2M | 2.1M | 2.0M | 5.6M | 11M | 11M | 4.5M | 4.5M |
| EBIT | -12M | -16M | -15M | -7.5M | -4.3M | -5.0M | -2.4M | -3.2M | -10M | -15M | -16M | -8.5M | -8.5M |
| Op. Margin | N/A | N/A | N/A | N/A | 0.0% | N/A | N/A | 0.0% | N/A | N/A | 0.0% | 0.0% | 0.0% |
| Net Income | -12M | -16M | -17M | -8.7M | -5.9M | -7.0M | -4.3M | -16M | -12M | -18M | -19M | -12M | -12M |
| Net Margin | N/A | N/A | N/A | N/A | 0.0% | N/A | N/A | 0.0% | N/A | N/A | 0.0% | 0.0% | 0.0% |
| Non-Recurring | -3K | -6K | -285K | -88K | 4K | 0 | 115K | 0 | 112K | 0 | 0 | 0 | 0 |
| Returns on Capital | |||||||||||||
| ROIC | -118.2% | N/M | N/M | N/M | N/M | N/M | N/M | N/M | N/M | -191.1% | -189.0% | 0.0% | N/M |
| ROE | -372.0% | -475.9% | -1065.8% | 342.8% | 67.8% | 40.3% | 20.5% | 63.8% | 40.5% | 53.5% | 57.7% | 29.0% | 0.0% |
| ROA | -291.1% | -292.3% | -548.6% | -449.3% | -848.0% | -1356.7% | -636.3% | -2020.8% | -1305.1% | -475.4% | -290.6% | -646.7% | -2522.9% |
| Cash Flow | |||||||||||||
| Op. Cash Flow | -11M | -13M | -15M | -5.6M | -2.1M | -1.3M | -1.2M | -2.2M | -5.1M | -6.3M | -7.2M | -6.1M | -6.1M |
| Free Cash Flow | -11M | -14M | -15M | -5.6M | -2.1M | -1.3M | -1.2M | -2.2M | -5.1M | -6.3M | -7.2M | -6.1M | -6.1M |
| Owner Earnings | -12M | -15M | -16M | -6.1M | -2.5M | -3.9M | -1.8M | -3.2M | -7.8M | -13M | -11M | -8.2M | -8.2M |
| CapEx | 103K | 42K | 164K | 8K | 0 | 2K | 0 | 3K | 82K | 11K | 11K | 0 | 0 |
| Maint. CapEx | 25K | 57K | 100K | 114K | 44K | 30K | 29K | 29K | 31K | 38K | 39K | 40K | 40K |
| Growth CapEx | 78K | 0 | 64K | 0 | N/A | 0 | N/A | 0 | 51K | 0 | 0 | N/A | 0 |
| D&A | 25K | 57K | 100K | 114K | 44K | 30K | 29K | 29K | 31K | 38K | 39K | 40K | 40K |
| CapEx/OCF | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0.0% |
| Capital Allocation | |||||||||||||
| Dividends Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Dividend Yield | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Share Buybacks | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Buyback Yield | N/A | N/A | N/A | N/A | 0.0% | N/A | N/A | 0.0% | N/A | N/A | 0.0% | 0.0% | 0.0% |
| Stock-Based Comp | 1.2M | 1.0M | 906K | 342K | 436K | 2.6M | 559K | 985K | 2.7M | 6.3M | 3.5M | 2.0M | 2.0M |
| Debt Repayment | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Balance Sheet | |||||||||||||
| Net Debt | -7.3M | -764K | N/A | 5.9M | 2.1M | 259K | 776K | 822K | 559K | -5.2M | -5.3M | 3.7M | 3.7M |
| Cash & Equiv. | 7.4M | 1.8M | 1.7M | 17K | 53K | 11K | 430K | 273K | 553K | 6.0M | 6.3M | 159K | 159K |
| Long-Term Debt | 75K | 75K | N/A | 2.9M | 2.1M | 0 | 40K | 0 | 517K | 200K | 370K | 3.3M | 3.3M |
| Debt/Equity | 0.01 | -8.08 | 1.00 | -0.88 | -0.20 | -0.01 | -0.05 | -0.04 | -0.03 | -0.02 | -0.03 | -0.08 | 0.00 |
| Interest Coverage | -132.0 | -2504.0 | -159.5 | -24.7 | -8.0 | -5.4 | -3.4 | -4.2 | -9.3 | -15.2 | -15.5 | -7.5 | -7.5 |
| Equity | 6.8M | -122K | 1.6M | -6.7M | -11M | -19M | -23M | -26M | -32M | -34M | -31M | -48M | -48M |
| Total Assets | 8.0M | 2.9M | 3.1M | 777K | 613K | 557K | 785K | 765K | 1.0M | 6.4M | 6.6M | 492K | 492K |
| Total Liabilities | 1.2M | 3.1M | 1.6M | 7.4M | 11M | 19M | 23M | 27M | 33M | 40M | 38M | 48M | 48M |
| Intangibles | 362K | 740K | 636K | 589K | 553K | 384K | 355K | 328K | 379K | 353K | 325K | 259K | 259K |
| Retained Earnings | -19M | -35M | -52M | -61M | -67M | -79M | -83M | -99M | -100M | -117M | -136M | -160M | -160M |
| Working Capital | 6.3M | -1.1M | 696K | -7.3M | -9.2M | -20M | -23M | -38M | -32M | -34M | -32M | -48M | -48M |
| Current Assets | 7.5M | 2.0M | 2.3M | 124K | 53K | 58K | 430K | 436K | 662K | 6.0M | 6.3M | 233K | 233K |
| Current Liabilities | 1.2M | 3.1M | 1.6M | 7.4M | 9.3M | 20M | 23M | 38M | 33M | 40M | 38M | 48M | 48M |
| Per Share Data | |||||||||||||
| EPS | -0.14 | -0.15 | -0.14 | -0.07 | -0.05 | -0.06 | -0.04 | -0.13 | -0.10 | -0.14 | -0.14 | -0.09 | -0.09 |
| Owner EPS | -0.14 | -0.14 | -0.13 | -0.05 | -0.02 | -0.03 | -0.02 | -0.03 | -0.07 | -0.10 | -0.08 | -0.06 | -0.06 |
| Book Value | 0.08 | -0.00 | 0.01 | -0.05 | -0.09 | -0.16 | -0.21 | -0.22 | -0.27 | -0.27 | -0.23 | -0.35 | -0.35 |
| Cash Flow/Share | -0.13 | -0.13 | -0.13 | -0.04 | -0.02 | -0.01 | -0.01 | -0.02 | -0.04 | -0.05 | -0.05 | -0.04 | -0.09 |
| Dividends/Share | N/A | N/A | N/A | N/A | 0.00 | N/A | N/A | 0.00 | N/A | N/A | 0.00 | 0.00 | 0.00 |
| Shares Out. | 86.0M | 106.5M | 118.6M | 124.9M | 117.9M | 117.0M | 106.8M | 120.5M | 117.8M | 125.9M | 134.7M | 138.0M | 138.0M |
| Valuation | |||||||||||||
| P/E Ratio | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | -5.9 |
| P/FCF | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| EV/EBIT | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Price/Book | 13.7 | N/A | 38.8 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Price/Sales | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| FCF Yield | -11.7% | -12.2% | -24.8% | -23.7% | N/A | -7.5% | -7.3% | N/A | -5.9% | -4.0% | N/A | N/A | -8.4% |
| Market Cap | 94M | 111M | 61M | 24M | 0 | 18M | 17M | 0 | 87M | 156M | 0 | 0 | 73M |
| Avg. Price | 1.16 | 1.70 | 1.00 | 0.34 | 0.00 | 0.24 | 0.18 | 0.00 | 0.96 | 1.21 | 0.00 | 0.00 | 0.53 |
| Year-End Price | 1.09 | 1.04 | 0.51 | 0.19 | 0.00 | 0.15 | 0.16 | 0.00 | 0.70 | 1.25 | 0.00 | 0.00 | 0.53 |
REGO PAYMENT ARCHITECTURES, INC. passes 1 of 9 quality checks, indicating weak fundamentals.
The Ledger Terminal provides 13 years of financial data for REGO PAYMENT ARCHITECTURES, INC. (RPMT), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
REGO PAYMENT ARCHITECTURES, INC. (RPMT) has a book value per share of $-0.35, based on its most recent annual SEC filing.