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CoverageForm 410-K10-Q8-K13D13G13F

RPMT · Rego Payment Architectures, Inc. - Financials

Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.
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AnnualQuarterly

Income Statement

Line itemQ1 '26Q4 '25Q3 '25Q2 '25Q1 '25Q4 '24Q3 '24Q2 '24Q1 '24Q4 '23
Revenue$11.8K---------
Cost of Revenue----------
Gross Profit----------
R&D$876.1K-$808.8K$863.4K$996.3K-$912.7K$683.9K--
SG&A$593.0K-$1.07M$826.5K$1.81M-$810.4K$1.44M$712.6K-
Total Operating Expenses$1.62M-$2.12M$1.86M$2.04M-$1.93M$2.40M$2.04M-
D&A$6.9K---$9.9K---$9.8K-
Operating Income($1.61M)-($2.12M)($1.86M)($2.56M)-($1.93M)($2.40M)($2.04M)-
Interest Expense$332.0K-$296.8K$255.4K$247.1K-$247.3K$247.1K$247.1K-
Income Tax---$0$0-$0$0$0-
Net Income($1.94M)-($2.42M)($2.11M)($2.74M)-($2.44M)($2.64M)($2.29M)-
EPS - Basic($0.02)-($0.02)($0.02)($0.03)-($0.02)($0.02)($0.02)-
EPS - Diluted($0.02)-($0.02)($0.02)($0.03)-($0.02)($0.02)($0.02)-

Balance Sheet

Line itemQ1 '26Q4 '25Q3 '25Q2 '25Q1 '25Q4 '24Q3 '24Q2 '24Q1 '24Q4 '23
Cash & Equivalents$85.3K$158.7K$1.69M$1.90M$1.62M$3.01M$4.48M$6.34M$4.43M$6.26M
Accounts Receivable----------
Inventory----------
Accounts Payable----------
Current Assets$136.2K$233.0K$1.77M$1.95M$1.67M$3.06M$4.53M$6.34M$4.45M$6.28M
Total Assets$388.6K$492.3K$2.03M$2.22M$1.94M$3.35M$4.82M$6.64M$4.76M$6.60M
Current Liabilities$50.79M$48.39M$47.07M$45.07M$42.01M$41.11M$40.16M$39.24M$38.48M$37.99M
Long-term Debt----------
Total Liabilities----------
Stockholders' Equity($50.40M)($47.90M)($45.04M)($42.84M)($33.71M)($37.76M)($35.33M)($32.60M)($33.71M)($31.39M)
Retained Earnings($162.77M)($160.16M)($157.13M)($154.01M)($151.19M)($147.74M)($145.22M)($142.34M)($139.03M)($136.11M)

Cash Flow

Line itemQ1 '26Q4 '25Q3 '25Q2 '25Q1 '25Q4 '24Q3 '24Q2 '24Q1 '24Q4 '23
Operating Cash Flow($793.4K)---($1.39M)---($1.83M)-
Investing Cash Flow----------
Financing Cash Flow$720.0K---------
CapEx----------
Free Cash Flow----------

Ratios

MetricQ1 '26Q4 '25Q3 '25Q2 '25Q1 '25Q4 '24Q3 '24Q2 '24Q1 '24Q4 '23
Profitability
Gross margin----------
Operating margin-13664.8%---------
EBITDA margin-13606.2%---------
Net margin-16489.5%---------
Free cash flow margin----------
FCF / Net income----------
R&D / Revenue7456.0%---------
SG&A / Revenue5046.9%---------
Effective tax rate----------
Return on assets-498.6%--119.2%-95.1%-141.1%--50.7%-39.8%-48.1%-
Return on equity3.8%-5.4%4.9%8.1%-6.9%8.1%6.8%-
Return on invested capital----------
Liquidity
Current ratio0.000.000.040.040.040.070.110.160.120.17
Quick ratio0.000.000.040.040.040.070.110.160.120.17
Cash ratio0.000.000.040.040.040.070.110.160.120.16
Leverage
Debt / Equity----------
Debt / Assets----------
Debt / EBITDA----------
Interest coverage-4.8x--7.1x-7.3x-10.3x--7.8x-9.7x-8.3x-
Equity multiplier-0.01-0.01-0.05-0.05-0.06-0.09-0.14-0.20-0.14-0.21
Liabilities / Assets----------
Efficiency
Asset turnover0.03---------
Inventory turnover----------
Days sales outstanding----------
Days inventory outstanding----------
Days payable outstanding----------
Cash conversion cycle----------
Valuation
P / E----------
P / B----------
P / S----------
EV / EBITDA----------
Growth
Revenue growth (YoY)----------
Revenue CAGR (3y)----------
Revenue CAGR (5y)85.6%---------
Gross profit growth (YoY)----------
Operating income growth (YoY)37.2%--10.1%22.5%-25.1%-12.0%59.3%60.3%-
Net income growth (YoY)29.4%-1.1%20.1%-19.7%-21.1%61.0%59.6%-
EPS growth (YoY)33.3%-0.0%0.0%-50.0%-0.0%60.0%50.0%-
EPS CAGR (3y)----------
EPS CAGR (5y)----------
FCF growth (YoY)----------
FCF CAGR (5y)----------
Book value growth (YoY)-49.5%-26.9%-27.5%-31.4%0.0%-20.3%-20.9%-19.4%-12.2%7.6%

Peer comparison

Same SIC group: Services-Prepackaged Software

CompanyRevenue (last FY)Net marginROE
TEAM$5.22B-4.9%-19.1%
CRM$37.90B16.4%10.5%
NOW$13.28B13.2%13.5%
FRSH$838.81M21.9%17.8%
DDOG$3.43B3.1%2.9%

Comparing REGO PAYMENT ARCHITECTURES against the 5 most active filers in the same SIC group.