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 March

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).

Financial Health Signals

Earnings Quality Low Quality

0.64x

For every $1 of reported earnings, Rego Payment Architectures generates $0.64 in operating cash flow (-$6.1M OCF vs -$9.6M net income). This low ratio suggests earnings are primarily driven by accounting accruals rather than cash generation, which may not be sustainable.

Interest Coverage At Risk

-2875.1x

Rego Payment Architectures earns $-2875.1 in operating income for every $1 of interest expense (-$8.5M vs $3K). This narrow margin raises concern about the company's ability to service its debt if operating income declines.

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

-$8.5M

YoY-7.3%

Rego Payment Architectures's EBITDA was -$8.5M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization. This represents a decrease of 7.3% from the prior year.

Net Income

-$9.6M

YoY-7.5%

Rego Payment Architectures reported -$9.6M in net income in fiscal year 2025. This represents a decrease of 7.5% from the prior year.

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

N/A

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

-378491.5%

10Y CAGR-346734.9pp

Rego Payment Architectures's operating margin was -378491.5% in fiscal year 2025, reflecting core business profitability.

Net Margin

-426355.6%

10Y CAGR-393818.5pp

Rego Payment Architectures's net profit margin was -426355.6% in fiscal year 2025, showing the share of revenue converted to profit.

Return on Equity

N/A

Capital Allocation

R&D Spending

$3.3M

YoY+1.4%

5Y CAGR+24.0%

10Y CAGR+7.3%

Rego Payment Architectures invested $3.3M in research and development in fiscal year 2025. This represents an increase of 1.4% from the prior year.

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	$3.3M+1.4%	$3.3M+12.4%	$2.9M+41.9%	$2.1M-27.4%	$2.8M+149.3%	$1.1M
SG&A Expenses	$4.5M+23.6%	$3.7M-66.0%	$10.8M-5.3%	$11.4M+103.6%	$5.6M+178.1%	$2.0M
Operating Income	-$8.5M-7.3%	-$7.9M+49.7%	-$15.8M-2.4%	-$15.4M-53.2%	-$10.1M-210.5%	-$3.2M
Interest Expense	$3K-99.7%	$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	-$9.6M-7.5%	-$8.9M+46.6%	-$16.7M-2.3%	-$16.3M-47.9%	-$11.1M+24.2%	-$14.6M
EPS (Diluted)	$-0.090.0%	$-0.09+35.7%	$-0.140.0%	$-0.14-40.0%	$-0.10	N/A

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Revenue	N/A	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	$809K-6.3%	$863K+54.6%	$559K	N/A	$913K+33.4%	$684K-31.4%	$996K	N/A
SG&A Expenses	$1.1M+29.2%	$826K-54.5%	$1.8M	N/A	$810K-43.7%	$1.4M+101.8%	$713K	N/A
Operating Income	-$2.1M-14.1%	-$1.9M+27.3%	-$2.6M	N/A	-$1.9M+19.6%	-$2.4M-17.2%	-$2.0M	N/A
Interest Expense	$297K+16.2%	$255K+3.5%	$247K	N/A	$247K+0.1%	$247K0.0%	$247K	N/A
Income Tax	N/A	$0	$0	N/A	$0	$0	$0	N/A
Net Income	-$2.4M-14.4%	-$2.1M+23.0%	-$2.7M	N/A	-$2.2M+17.8%	-$2.6M-15.4%	-$2.3M	N/A
EPS (Diluted)	$-0.020.0%	$-0.02+33.3%	$-0.03	N/A	$-0.020.0%	$-0.020.0%	$-0.02	N/A

RPMT Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	N/A	$3.3M-49.3%	$6.6M+3.5%	$6.4M+512.5%	$1.0M+36.1%	$765K
Current Assets	N/A	$3.1M-51.2%	$6.3M+4.2%	$6.0M+810.5%	$662K+51.6%	$436K
Cash & Equivalents	N/A	$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	N/A	$41.1M+8.2%	$38.0M-5.9%	$40.4M+22.6%	$32.9M+21.2%	$27.1M
Current Liabilities	N/A	$41.1M+8.2%	$38.0M-5.9%	$40.4M+22.6%	$32.9M-13.7%	$38.1M
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	N/A	-$37.8M-20.3%	-$31.4M+7.6%	-$34.0M-6.6%	-$31.9M-20.8%	-$26.4M
Retained Earnings	N/A	-$147.7M-8.5%	-$136.1M-16.2%	-$117.2M-17.7%	-$99.5M-0.8%	-$98.8M

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Total Assets	$2.0M-8.8%	$2.2M+14.3%	$1.9M-41.9%	$3.3M-30.6%	$4.8M-27.4%	$6.6M+39.4%	$4.8M-27.8%	$6.6M
Current Assets	$1.8M-9.6%	$2.0M+17.1%	$1.7M-45.5%	$3.1M-32.3%	$4.5M-28.6%	$6.3M+42.4%	$4.4M-29.1%	$6.3M
Cash & Equivalents	$1.7M-11.1%	$1.9M+17.6%	$1.6M-46.3%	$3.0M-32.7%	$4.5M-29.4%	$6.3M+43.0%	$4.4M-29.2%	$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	$47.1M+4.4%	$45.1M+7.3%	$42.0M+2.2%	$41.1M+2.4%	$40.2M+2.3%	$39.2M+2.0%	$38.5M+1.3%	$38.0M
Current Liabilities	$47.1M+4.4%	$45.1M+7.3%	$42.0M+2.2%	$41.1M+2.4%	$40.2M+2.3%	$39.2M+2.0%	$38.5M+1.3%	$38.0M
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	-$45.0M-5.1%	-$42.8M-6.9%	-$40.1M-6.1%	-$37.8M-6.9%	-$35.3M-8.4%	-$32.6M+3.3%	-$33.7M-7.4%	-$31.4M
Retained Earnings	-$157.1M-2.0%	-$154.0M-1.9%	-$151.2M-2.3%	-$147.7M-1.7%	-$145.2M-2.0%	-$142.3M-2.4%	-$139.0M-2.1%	-$136.1M

RPMT Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	-$6.1M+11.8%	-$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	$3.3M-11.2%	$3.7M-50.1%	$7.5M-36.4%	$11.7M+116.5%	$5.4M+165.9%	$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	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Operating Cash Flow	-$1.5M+11.6%	-$1.7M-22.8%	-$1.4M+4.8%	-$1.5M+21.3%	-$1.9M-2.2%	-$1.8M+0.4%	-$1.8M-4.5%	-$1.7M
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	-$2K	N/A	N/A	$0	N/A	N/A	N/A	$0
Financing Cash Flow	$1.3M	N/A	N/A	-$1	$0	N/A	N/A	$330K
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	-378491.5%	N/A	N/A	-743976.3%-360942.1pp	-383034.3%	N/A
Net Margin	-426355.6%	N/A	N/A	-788430.0%-367928.7pp	-420501.3%	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%+805.2pp	-1061.6%+843.8pp	-1905.3%
Current Ratio	N/A	0.07-0.1	0.17+0.0	0.15+0.1	0.020.0	0.01
Debt-to-Equity	N/A	-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	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	N/A	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	-119.2%-24.1pp	-95.1%+46.0pp	-141.1%	N/A	-45.1%-5.3pp	-39.8%+8.3pp	-48.1%	N/A
Current Ratio	0.040.0	0.040.0	0.04-0.0	0.07-0.0	0.11-0.0	0.16+0.0	0.12-0.0	0.17
Debt-to-Equity	-1.040.0	-1.050.0	-1.05+0.0	-1.09+0.0	-1.14+0.1	-1.20-0.1	-1.14+0.1	-1.21
FCF Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

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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.

Is Rego Payment Architectures profitable?

No, Rego Payment Architectures (RPMT) reported a net income of -$9.6M in fiscal year 2025, with a net profit margin of -426355.6%.

What is Rego Payment Architectures's EBITDA?

Rego Payment Architectures (RPMT) had EBITDA of -$8.5M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization.

What is Rego Payment Architectures's operating margin?

Rego Payment Architectures (RPMT) had an operating margin of -378491.5% in fiscal year 2025, reflecting the profitability of core business operations before interest and taxes.

What is Rego Payment Architectures's net profit margin?

Rego Payment Architectures (RPMT) had a net profit margin of -426355.6% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

What is Rego Payment Architectures's operating cash flow?

Rego Payment Architectures (RPMT) generated -$6.1M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

How much does Rego Payment Architectures spend on research and development?

Rego Payment Architectures (RPMT) invested $3.3M in research and development during fiscal year 2025.

How many shares does Rego Payment Architectures have outstanding?

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

Are Rego Payment Architectures's earnings high quality?

Rego Payment Architectures (RPMT) has an earnings quality ratio of 0.64x, considered low quality (accrual-driven). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

Can Rego Payment Architectures cover its interest payments?

Rego Payment Architectures (RPMT) has an interest coverage ratio of -2875.1x, meaning it can struggle to cover its interest obligations. This ratio divides operating income by interest expense. Ratios above 5x indicate strong debt-servicing ability, while ratios below 2x suggest the company may face difficulty meeting interest payments if earnings decline. Learn more in our complete guide to financial health indicators.