What is Rego Payment Architectures's earnings per share (EPS)?

Rego Payment Architectures (RPMT) reported diluted earnings per share of $-0.09 for fiscal year 2025. This represents a 0.0% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Rego Payment Architectures Financials

RPMT

Source SEC Filings (10-K/10-Q) Updated Mar 31, 2026 Currency USD FYE December

This page shows Rego Payment Architectures (RPMT) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 15 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI RPMT FY2025 2026-05-20

By FY2025, balance-sheet strain rather than revenue generation appears to be carrying this development-stage business.

From FY2023 to FY2025, cash fell from $6.3M to $159K. Over the same span, total liabilities climbed from $38.0M to $48.4M, so the core problem is not just recurring losses but a shrinking ability to finance them inside the existing balance sheet.

FY2025 revenue of $2K was tiny next to interest expense of $1.1M, which implies the company is not yet operating at a scale that can cover even its financing burden. With negative equity at -$48.0M and total assets at only $492K, past losses have largely exhausted the asset base that would normally cushion creditors and new funding.

In FY2024, operating cash outflow of -$7.0M sat fairly close to the net loss of -$8.9M, so the losses were mostly consuming cash rather than arising from accounting adjustments alone. That helps explain why even a large reduction in SG&A did not produce a comparable easing in liquidity pressure: the business was still burning real cash as it tried to operate.

Financial Health Signals

Financial Profile 14/100

Based on FY2025 annual data, averaged across the last 3 years for performance metrics (most-recent year weighted highest). How this score is calculated →

Health score ≠ stock price. This rates the quality of Rego Payment Architectures's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Leverage

Rego Payment Architectures carries a low D/E ratio of -1.01, meaning only $-1.01 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 82/100, indicating a strong balance sheet with room for future borrowing.

Liquidity

Rego Payment Architectures's current ratio of 0.00 is below the typical benchmark, resulting in a score of 0/100. This tight liquidity could limit financial flexibility if cash inflows slow.

Key Financial Metrics

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Earnings & Revenue

Revenue

$2K

10Y CAGR-20.9%

Rego Payment Architectures generated $2K in revenue in fiscal year 2025.

EBITDA

N/A

Net Income

N/A

EPS (Diluted)

$-0.09

YoY+0.0%

Rego Payment Architectures earned $-0.09 per diluted share (EPS) in fiscal year 2025. This represents an increase of 0.0% from the prior year.

Cash & Balance Sheet

Free Cash Flow

N/A

Cash & Debt

$159K

YoY-94.7%

5Y CAGR-10.3%

10Y CAGR+25.3%

Rego Payment Architectures held $159K in cash against $0 in long-term debt as of fiscal year 2025.

Dividends Per Share

N/A

Shares Outstanding

137M

YoY+0.2%

5Y CAGR+2.6%

10Y CAGR+1.5%

Rego Payment Architectures had 137M shares outstanding in fiscal year 2025. This represents an increase of 0.2% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

N/A

Return on Equity

N/A

Capital Allocation

R&D Spending

N/A

Share Buybacks

N/A

Capital Expenditures

N/A

RPMT Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$2K	N/A	N/A	$2K-21.1%	$3K	N/A
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	$3.3M+12.4%	$2.9M+41.9%	$2.1M-27.4%	$2.8M+149.3%	$1.1M
SG&A Expenses	N/A	$3.7M-66.0%	$10.8M-5.3%	$11.4M	N/A	$2.0M
Operating Income	N/A	-$7.9M+49.7%	-$15.8M-2.4%	-$15.4M	N/A	-$3.2M
Interest Expense	$1.1M+15.0%	$989K-2.7%	$1.0M+0.1%	$1.0M-6.0%	$1.1M+41.1%	$766K
Income Tax	N/A	N/A	N/A	N/A	N/A	N/A
Net Income	N/A	-$8.9M+46.6%	-$16.7M-2.3%	-$16.3M	N/A	N/A
EPS (Diluted)	$-0.090.0%	$-0.09+35.7%	$-0.140.0%	$-0.14-40.0%	$-0.10	N/A

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Revenue	$12K	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	$876K	N/A	$809K-6.3%	$863K+54.6%	$559K	N/A	$913K+33.4%	$684K
SG&A Expenses	$593K	N/A	$1.1M+29.2%	$826K-54.5%	$1.8M	N/A	$810K-43.7%	$1.4M
Operating Income	-$1.6M	N/A	-$2.1M-14.1%	-$1.9M+27.3%	-$2.6M	N/A	-$1.9M+19.6%	-$2.4M
Interest Expense	$332K	N/A	$297K+16.2%	$255K+3.5%	$247K	N/A	$247K+0.1%	$247K
Income Tax	N/A	N/A	N/A	$0	$0	N/A	$0	$0
Net Income	-$1.9M	N/A	-$2.4M-14.4%	-$2.1M+23.0%	-$2.7M	N/A	-$2.2M+17.8%	-$2.6M
EPS (Diluted)	$-0.02	N/A	$-0.020.0%	$-0.02+33.3%	$-0.03	N/A	$-0.020.0%	$-0.02

RPMT Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$492K-85.3%	$3.3M-49.3%	$6.6M+3.5%	$6.4M+512.5%	$1.0M+36.1%	$765K
Current Assets	$233K-92.4%	$3.1M-51.2%	$6.3M+4.2%	$6.0M+810.5%	$662K+51.6%	$436K
Cash & Equivalents	$159K-94.7%	$3.0M-51.9%	$6.3M+4.2%	$6.0M+985.8%	$553K+102.5%	$273K
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	N/A	N/A	N/A	N/A	N/A	N/A
Total Liabilities	$48.4M+17.7%	$41.1M+8.2%	$38.0M-5.9%	$40.4M+22.6%	$32.9M+21.2%	$27.1M
Current Liabilities	$48.4M+17.7%	$41.1M+8.2%	$38.0M-5.9%	$40.4M+22.6%	$32.9M	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	-$47.9M-26.9%	-$37.8M-20.3%	-$31.4M+7.6%	-$34.0M-6.6%	-$31.9M-20.8%	-$26.4M
Retained Earnings	-$160.2M-8.4%	-$147.7M-8.5%	-$136.1M-16.2%	-$117.2M-17.7%	-$99.5M-0.8%	-$98.8M

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Total Assets	$389K-21.1%	$492K-75.7%	$2.0M-8.8%	$2.2M+14.3%	$1.9M-41.9%	$3.3M-30.6%	$4.8M-27.4%	$6.6M
Current Assets	$136K-41.6%	$233K-86.8%	$1.8M-9.6%	$2.0M+17.1%	$1.7M-45.5%	$3.1M-32.3%	$4.5M-28.6%	$6.3M
Cash & Equivalents	$85K-46.3%	$159K-90.6%	$1.7M-11.1%	$1.9M+17.6%	$1.6M-46.3%	$3.0M-32.7%	$4.5M-29.4%	$6.3M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Liabilities	$50.8M+5.0%	$48.4M+2.8%	$47.1M+4.4%	$45.1M+7.3%	$42.0M+2.2%	$41.1M+2.4%	$40.2M+2.3%	$39.2M
Current Liabilities	$50.8M+5.0%	$48.4M+2.8%	$47.1M+4.4%	$45.1M+7.3%	$42.0M+2.2%	$41.1M+2.4%	$40.2M+2.3%	$39.2M
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	-$50.4M-5.2%	-$47.9M-6.3%	-$45.0M-5.1%	-$42.8M-6.9%	-$40.1M-6.1%	-$37.8M-6.9%	-$35.3M-8.4%	-$32.6M
Retained Earnings	-$162.8M-1.6%	-$160.2M-1.9%	-$157.1M-2.0%	-$154.0M-1.9%	-$151.2M-2.3%	-$147.7M-1.7%	-$145.2M-2.0%	-$142.3M

RPMT Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	N/A	-$7.0M+3.2%	-$7.2M-14.9%	-$6.3M-23.9%	-$5.1M-130.7%	-$2.2M
Capital Expenditures	N/A	N/A	N/A	N/A	N/A	N/A
Free Cash Flow	N/A	N/A	N/A	N/A	N/A	N/A
Investing Cash Flow	-$12K-1007.2%	-$1K+90.0%	-$11K+2.1%	-$11K+86.1%	-$82K-2446.5%	-$3K
Financing Cash Flow	N/A	$3.7M-50.1%	$7.5M-36.4%	$11.7M	N/A	$2.0M
Dividends Paid	N/A	N/A	N/A	N/A	N/A	N/A
Share Buybacks	N/A	N/A	N/A	N/A	N/A	N/A

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Operating Cash Flow	-$793K+48.0%	-$1.5M-0.8%	-$1.5M+11.6%	-$1.7M-22.8%	-$1.4M+4.8%	-$1.5M+21.3%	-$1.9M-2.2%	-$1.8M
Capital Expenditures	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Free Cash Flow	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Investing Cash Flow	N/A	-$7K-342.1%	-$2K	N/A	N/A	$0	N/A	N/A
Financing Cash Flow	$720K	$0-100.0%	$1.3M	N/A	N/A	-$1	$0	N/A
Dividends Paid	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Share Buybacks	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

RPMT Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	-743976.3%	N/A	N/A
Net Margin	N/A	N/A	N/A	-788430.0%	N/A	N/A
Return on Equity	N/A	N/A	N/A	N/A	N/A	N/A
Return on Assets	N/A	-266.6%-13.3pp	-253.3%+3.0pp	-256.3%	N/A	N/A
Current Ratio	0.00-0.1	0.07-0.1	0.17+0.0	0.15+0.1	0.02	N/A
Debt-to-Equity	-1.01+0.1	-1.09+0.1	-1.21-0.0	-1.19-0.2	-1.030.0	-1.03
FCF Margin	N/A	N/A	N/A	N/A	N/A	N/A

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	-13664.8%	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	-16489.5%	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Equity	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Assets	-498.6%	N/A	-119.2%-24.1pp	-95.1%+46.0pp	-141.1%	N/A	-45.1%-5.3pp	-39.8%
Current Ratio	0.000.0	0.00-0.0	0.040.0	0.040.0	0.04-0.0	0.07-0.0	0.11-0.0	0.16
Debt-to-Equity	-1.010.0	-1.01+0.0	-1.040.0	-1.050.0	-1.05+0.0	-1.09+0.0	-1.14+0.1	-1.20
FCF Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

Note: Shareholder equity is negative (-$47.9M), which causes debt-to-equity and return on equity ratios to appear negative or not meaningful. This can occur from accumulated losses or large share buyback programs.

Note: The current ratio is below 1.0 (0.00), indicating current liabilities exceed current assets, which may suggest potential short-term liquidity concerns.

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Frequently Asked Questions

What is Rego Payment Architectures's annual revenue?

Rego Payment Architectures (RPMT) reported $2K in total revenue for fiscal year 2025. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

What are Rego Payment Architectures's total assets?

Rego Payment Architectures (RPMT) had $492K in total assets as of fiscal year 2025, including both current and long-term assets.

How many shares does Rego Payment Architectures have outstanding?

Rego Payment Architectures (RPMT) had 137M shares outstanding as of fiscal year 2025.

What is Rego Payment Architectures's current ratio?

Rego Payment Architectures (RPMT) had a current ratio of 0.00 as of fiscal year 2025, which is below 1.0, which may suggest potential liquidity concerns.

What is Rego Payment Architectures's debt-to-equity ratio?

Rego Payment Architectures (RPMT) had a debt-to-equity ratio of -1.01 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

Why is Rego Payment Architectures's debt-to-equity ratio negative or unusual?

Rego Payment Architectures (RPMT) has negative shareholder equity of -$47.9M as of fiscal year 2025, which causes the debt-to-equity ratio to appear negative or not meaningful. This can occur when accumulated losses exceed invested capital, or after large share buyback programs. Other solvency metrics like the current ratio or interest coverage may be more informative.

How financially healthy is Rego Payment Architectures?

Rego Payment Architectures (RPMT) scores 14 out of 100 on our Financial Profile, indicating weak overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.