RPMT REGO PAYMENT ARCHITECTURES, INC.

OTC Services-Prepackaged Software DE CIK: 0001437283
AI RATING
STRONG_SELL
98% Confidence

Investment Thesis

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.

Strengths

  • + Minimal operating leverage exposure due to near-zero revenue base

Risks

  • ! 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

Key Metrics to Watch

Financial Metrics

Revenue
2.3K
Net Income
-9.6M
EPS (Diluted)
$-0.09
Free Cash Flow
-6.1M
Total Assets
492.3K
Cash
158.7K

Profitability Ratios

Gross Margin N/A
Operating Margin -378,491.5%
Net Margin -426,355.6%
ROE N/A
ROA -1,948.6%
FCF Margin -273,130.1%

Balance Sheet & Liquidity

Current Ratio
0.00x
Quick Ratio
0.00x
Debt/Equity
N/A
Debt/Assets
4,548.5%
Interest Coverage
-34.47x
Long-term Debt
N/A
Disclaimer: This analysis is generated by AI based on publicly available SEC EDGAR filings. It does not include stock price data and should not be considered financial advice. All fundamental data is sourced from SEC public domain filings. Always conduct your own research before making investment decisions.
Data Source: SEC EDGAR | Analysis Date: 2026-04-10T10:40:19.757451 | Data as of: 2025-12-31 | Powered by Claude AI