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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.
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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.
Public information on Rego Payment Architectures Inc (OTCQB: RPMT) is limited; filings provide sparse operational detail. Available materials indicate a focus on payment processing and fintech services; if accurate, the company may benefit from secular growth in digital payments and merchant adoption. This exposure may attract investors while requiring careful scrutiny of execution and transparency.
Primary risks are sparse disclosure and OTCQB liquidity constraints, possible lack of proven revenues or profitability, intense competition and execution risk, and financing or dilution uncertainty.
Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.
| Breakdown | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 |
| Income before tax | -16.34M | -11.05M | -14.57M | -3.19M | -5.97M |
| Minority interest | 0.00M | 0.00M | -0.00M | 0.21M | 0.23M |
| Net income | -16.34M | -11.05M | -14.57M | -3.18M | -5.95M |
| Selling general administrative | 13.36M | 7.23M | 3.24M | 2.18M | 4.22M |
| Gross profit | - | - | - | 0.03M | 0.05M |
| Reconciled depreciation | 0.04M | 0.03M | 0.03M | 0.03M | 0.03M |
| Ebit | - | -9.90M | -13.81M | -2.38M | -5.04M |
| Ebitda | -15.29M | -9.94M | -13.78M | -2.47M | -5.01M |
| Non operating income net other | - | - | -10.57M | -0.12M | - |
| Operating income | -15.42M | -10.07M | -3.24M | -2.38M | -5.04M |
| Interest expense | 1.02M | 1.08M | 0.77M | 0.70M | 0.93M |
| Interest income | 0.00M | 0.00M | - | - | - |
| Net interest income | -1.01M | -1.08M | -0.77M | -0.70M | -0.93M |
| Income tax expense | - | - | - | - | 0.00M |
| Total revenue | 0.00M | 0.00M | 0.00M | 0.03M | 0.05M |
| Total operating expenses | 15.42M | 10.07M | 3.24M | 2.41M | 5.08M |
| Cost of revenue | - | - | - | - | 0.00M |
| Total other income expense net | 0.09M | 0.10M | -10.57M | -0.12M | -0.93M |
| Net income from continuing ops | -16.34M | -11.05M | -14.57M | -3.19M | -5.97M |
| Net income applicable to common shares | - | -11.78M | -15.66M | -4.27M | -7.02M |
| Preferred stock and other adjustments | - | - | 1.09M | 1.09M | 1.32M |
| Breakdown | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 |
| Total assets | 6.38M | 1.04M | 0.76M | 0.79M | 0.56M |
| Intangible assets | 0.35M | 0.38M | 0.33M | 0.35M | 0.38M |
| Other current assets | - | - | 0.16M | - | 0.02M |
| Total liab | 40.36M | 32.91M | 38.13M | 23.46M | 19.64M |
| Total stockholder equity | -33.89M | -31.79M | -37.31M | -22.89M | -19.32M |
| Other current liab | 5.35M | 7.93M | 21.86M | 6.31M | 5.22M |
| Common stock | - | 0.01M | 0.01M | 0.01M | 0.01M |
| Capital stock | 0.01M | 0.01M | 0.01M | 0.01M | 0.01M |
| Retained earnings | -117.16M | -99.55M | -98.77M | -83.13M | -78.88M |
| Cash | 6.01M | 0.55M | 0.27M | 0.43M | 0.01M |
| Total current liabilities | 40.36M | 32.91M | 38.13M | 23.46M | 19.64M |
| Net debt | 12.93M | 18.18M | 13.56M | 11.06M | 9.86M |
| Short term debt | - | - | 3.16M | 2.90M | 9.87M |
| Short long term debt | 18.94M | 18.74M | 13.83M | 11.49M | 9.87M |
| Property plant equipment | - | - | - | 0.01M | 0.01M |
| Total current assets | 6.02M | 0.66M | 0.44M | 0.43M | 0.06M |
| Long term investments | - | - | - | 0.00M | 0.12M |
| Net tangible assets | - | -32.17M | -37.31M | -23.24M | -19.70M |
| Short term investments | - | - | - | - | 0.03M |
| Net receivables | - | - | - | 0.00M | 0.00M |
| Accounts payable | 6.86M | 6.11M | 13.12M | 5.35M | 4.12M |
| Noncontrolling interest in consolidated entity | - | - | -0.06M | 0.21M | - |
| Common stock total equity | - | - | 0.01M | 0.01M | 0.01M |
| Preferred stock total equity | - | - | 0.00M | 0.00M | 0.00M |
| Retained earnings total equity | - | - | -98.77M | -83.13M | -78.88M |
| Non currrent assets other | - | - | 0.33M | 0.35M | 0.50M |
| Non current assets total | 0.35M | 0.38M | 0.33M | 0.35M | 0.50M |
| Breakdown | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 |
| Investments | -0.01M | -0.08M | -0.00M | 0.00M | -0.00M |
| Change to liabilities | - | 0.54M | -0.15M | 1.11M | 1.53M |
| Total cashflows from investing activities | - | -0.08M | -0.00M | -0.00M | -0.00M |
| Net borrowings | - | 4.72M | 1.96M | 1.66M | 1.06M |
| Total cash from financing activities | 11.73M | 5.42M | 2.04M | 1.66M | 1.31M |
| Change to operating activities | - | 0.05M | -0.16M | 0.05M | 0.01M |
| Net income | -16.34M | -11.05M | -14.57M | -3.19M | -5.97M |
| Change in cash | 5.45M | 0.28M | -0.16M | 0.42M | 0.00M |
| Begin period cash flow | 0.55M | 0.27M | 0.43M | 0.01M | 0.01M |
| End period cash flow | 6.01M | 0.55M | 0.27M | 0.43M | 0.01M |
| Total cash from operating activities | -6.26M | -5.05M | -2.19M | -1.24M | -1.31M |
| Issuance of capital stock | 11.39M | 0.68M | - | 0.00M | 0.25M |
| Depreciation | 0.04M | 0.03M | 0.07M | 0.09M | 0.04M |
| Other cashflows from investing activities | - | - | -0.00M | - | -0.00M |
| Change to account receivables | - | - | 0.00M | 0.00M | -0.00M |
| Sale purchase of stock | - | - | - | - | 0.25M |
| Other cashflows from financing activities | - | - | 0.08M | - | 0.25M |
| Change to netincome | - | 5.37M | 12.39M | 0.67M | 2.75M |
| Capital expenditures | 0.01M | 0.08M | 0.00M | 0.00M | 0.00M |
| Change receivables | - | - | - | 0.00M | -0.00M |
| Cash flows other operating | - | - | 0.07M | 0.07M | 0.36M |
| Cash and cash equivalents changes | - | - | -0.16M | 0.42M | 0.00M |
| Change in working capital | 6.15M | 0.60M | -0.31M | 1.16M | 1.54M |
| Stock based compensation | - | - | - | 0.00M | - |
| Other non cash items | 0.46M | 2.62M | 0.23M | 0.06M | 0.20M |
| Free cash flow | -6.27M | -5.14M | -2.19M | -1.24M | -1.31M |
Sector: Technology Industry: Software - Application
|
Stock Name
|
Change
(USD) |
Price
(USD) |
Trailing
PE (x) |
Forward
PE (x) |
Price Sales
TTM (x) |
Price to Book Value (x)
|
Enterprise Value
to Revenue (x) |
Enterprise Value
to EBITDA (x) |
|---|---|---|---|---|---|---|---|---|
| RPMT Rego Payment Architectures Inc |
0.02 4.33% |
0.41 | - | - | 1000000.00 | - | 1000000.00 | -11.26 |
| SAP SAP SE ADR |
- -% |
237.42 | 28.16 | 22.42 | 6.52 | 4.85 | 5.60 | 16.61 |
| CRM Salesforce Inc |
0.77 0.36% |
214.42 | 23.41 | 15.55 | 4.79 | 5.56 | 5.55 | 14.88 |
| SAPGF SAP SE |
5.55 2.39% |
238.00 | 76.28 | 22.88 | 5.61 | 3.84 | 5.59 | 26.18 |
| SHOP Shopify Inc |
2.85 1.91% |
151.76 | 90.18 | 53.19 | 12.70 | 13.17 | 12.23 | 67.86 |
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.
| Name | Title | Year Born |
|---|---|---|
| Mr. Peter S. Pelullo | Pres, CEO & Director | 1952 |
| Joseph Robert Toczydlowski | Chief Financial Officer | NA |
| Mr. David Aparo | Interim Chief Technology Officer | NA |
| Mr. David A. Knight | Chief of Marketing | 1964 |
| Steven Kravit | Head of Product | NA |
| Mr. Dan Aptor | Head of Strategy | NA |
| Ms. Kathleen C. Tobia | Controller | NA |
| Mr. Robert J. Marino | Consultant and Sr. Advisor | 1965 |
Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
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