📊 RPMT Key Takeaways
Is RPMT a Good Investment? Thesis Analysis
RPMT is effectively insolvent with negative stockholders' equity of -$47.9M, liabilities of $22.4M against minimal assets of $492.3K. The company generates negligible revenue ($2.2K annually) while burning $6.1M in operating cash flow, indicating ceased operations or a shell entity. With zero liquidity ratios and no pathway to viability, the company faces imminent capital depletion within weeks.
Fundamentals indicate an extremely fragile position: negligible revenue, severe recurring losses, negative equity, and minimal liquidity. With deeply negative interest coverage and heavy cash burn, near‑term viability appears contingent on external financing rather than operating performance.
Why Buy RPMT? Key Strengths
- Minimal operating leverage exposure due to near-zero revenue base
- YoY loss improvement (net loss narrowed 22.8%)
- Asset‑light model with minimal capex needs
- Positive YoY revenue change off a very small base
RPMT Investment Risks to Consider
- Negative stockholders' equity indicates technical insolvency and potential bankruptcy
- Liabilities exceed assets by 45x; company lacks resources to service $22.4M debt
- Cash position of $158.7K insufficient to cover monthly burn rate; cash depletion estimated within weeks
- Operating cash outflow of -$6.1M annually with negligible revenue generation indicates non-viable business model
- Current and quick ratios of 0.00x reflect complete inability to meet short-term obligations
- Zero insider trading activity suggests no management confidence in recovery prospects
- Acute liquidity risk (cash ~$159K, ~0x current ratio)
- Negative equity and high liabilities (~$22.4M) imply solvency concerns
- Sustained operating cash burn (~$6.15M) with negative interest coverage (-34.5x)
Key Metrics to Watch
- Cash balance and burn rate (critical - likely depleted imminent)
- Revenue recovery or cessation of losses (currently non-existent recovery trajectory)
- Creditor actions/bankruptcy filing status
- Cash & equivalents and runway
- Quarterly revenue level and growth
RPMT Financial Metrics
💡 AI Analyst Insight
The current ratio below 1.0x warrants monitoring of short-term liquidity.
RPMT Profitability Ratios
RPMT vs Technology Sector
How REGO PAYMENT ARCHITECTURES, INC. compares to Technology sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is RPMT Overvalued or Undervalued?
Based on fundamental analysis, REGO PAYMENT ARCHITECTURES, INC. has mixed fundamental signals relative to the Technology sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
RPMT Balance Sheet & Liquidity
RPMT 5-Year Financial Trend & Growth Analysis
5-Year Trend Summary: REGO PAYMENT ARCHITECTURES, INC.'s revenue has declined by 93% over the 5-year period, indicating business contraction. The most recent EPS of $-0.09 indicates the company is currently unprofitable.
RPMT Growth Metrics (YoY)
RPMT Quarterly Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q3 2023 | $237 | -$2.3M | $-0.02 |
| Q2 2023 | $253 | -$2.3M | $-0.03 |
| Q1 2023 | $1.4K | -$2.3M | $-0.02 |
| Q3 2022 | $237 | -$1.2M | $-0.01 |
| Q2 2022 | $253 | -$2.3M | $-0.03 |
| Q1 2022 | $533 | -$2.3M | $-0.02 |
| Q3 2021 | $1.1K | -$522.7K | N/A |
| Q2 2021 | $740 | -$522.7K | N/A |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
RPMT Capital Allocation
RPMT SEC 10-K & 10-Q Filing Analysis
Access official SEC EDGAR filings for REGO PAYMENT ARCHITECTURES, INC. (CIK: 0001437283)
📋 Recent SEC Filings
❓ Frequently Asked Questions about RPMT
What is the AI rating for RPMT?
REGO PAYMENT ARCHITECTURES, INC. (RPMT) has a Combined AI Rating of STRONG SELL from Claude (STRONG SELL) and ChatGPT (STRONG SELL) with 95% combined confidence, based on fundamental analysis of SEC EDGAR filings.
What are RPMT's key strengths?
Claude: Minimal operating leverage exposure due to near-zero revenue base. ChatGPT: YoY loss improvement (net loss narrowed 22.8%). Asset‑light model with minimal capex needs.
What are the risks of investing in RPMT?
Claude: Negative stockholders' equity indicates technical insolvency and potential bankruptcy. Liabilities exceed assets by 45x; company lacks resources to service $22.4M debt. ChatGPT: Acute liquidity risk (cash ~$159K, ~0x current ratio). Negative equity and high liabilities (~$22.4M) imply solvency concerns.
What is RPMT's revenue and growth?
REGO PAYMENT ARCHITECTURES, INC. reported revenue of $2.3K.
Does RPMT pay dividends?
REGO PAYMENT ARCHITECTURES, INC. does not currently pay dividends.
Where can I find RPMT SEC filings?
Official SEC filings for REGO PAYMENT ARCHITECTURES, INC. (CIK: 0001437283) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is RPMT's EPS?
REGO PAYMENT ARCHITECTURES, INC. has a diluted EPS of $-0.09.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.
Is RPMT a good stock to buy right now?
Based on our AI fundamental analysis in April 2026, REGO PAYMENT ARCHITECTURES, INC. has a STRONG SELL rating with 95% confidence. Review the strengths and risks sections above before making a decision. This is not investment advice.
Is RPMT stock overvalued or undervalued?
Valuation metrics for RPMT: ROE of N/A (sector avg: 22%), net margin of -426,355.6% (sector avg: 18%). Compare these metrics with sector averages to assess valuation.
Should I buy RPMT stock in 2026?
Our dual AI analysis gives REGO PAYMENT ARCHITECTURES, INC. a combined STRONG SELL rating for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is RPMT's free cash flow?
REGO PAYMENT ARCHITECTURES, INC.'s operating cash flow is $-6.1M, with capital expenditures of N/A. FCF margin is -273,130.1%.
How does RPMT compare to other Technology stocks?
Vs Technology sector averages: Net margin -426,355.6% (avg: 18%), ROE N/A (avg: 22%), current ratio 0.00 (avg: 2.5).