Rego Payment Architectures (STU:M0C) Cyclically Adjusted Book per Share: €-0.50 (As of Jun. 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

STU:M0C Rego Payment Architectures Inc STU:M0C
13 GF Score
Price €1.18
! 3 Warning Signs
View Full Analysis

What is Rego Payment Architectures Cyclically Adjusted Book per Share?

Rego Payment Architectures STU:M0C 13 Cyclically Adjusted Book per Share is €-0.50 as of Jun. 2026. GuruFocus rates STU:M0C with a GF Score™ of 13/100. The stock has 3 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

Rego Payment Architectures's adjusted book value per share for the three months ended in Jun. 2026 was €-0.335. Add all the adjusted book value per share for the past 10 years together and divide the count will get our Cyclically Adjusted Book per Share, which is €-0.50 for the trailing ten years ended in Jun. 2026.

During the past 3 years, the average Cyclically Adjusted Book Growth Rate was -19.70% per year. During the past 5 years, the average Cyclically Adjusted Book Growth Rate was -27.30% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted Book Growth Rate using Cyclically Adjusted Book per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted Book Growth Rate of Rego Payment Architectures was -19.70% per year. The lowest was -49.40% per year. And the median was -34.40% per year.

As of today (2026-08-22), Rego Payment Architectures's current stock price is €1.18. Rego Payment Architectures's Cyclically Adjusted Book per Share for the quarter that ended in Jun. 2026 was €-0.50. Rego Payment Architectures's Cyclically Adjusted PB Ratio of today is .


Rego Payment Architectures  (STU:M0C) Cyclically Adjusted Book per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted Book per Share may underestimate the company's equity. Cyclically Adjusted PB Ratio can seem to be too high even the actual PB Ratio is low.

For the Cyclically Adjusted PB Ratio, the book value of the past 10 years are inflation-adjusted and averaged. The result is used for P/B calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted PB Ratio is also called CAPB Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted book value per share of a company over the past 10 years.


Be Aware

Cyclically Adjusted PB Ratio works better for cyclical companies. It gives you a better idea on the company's real book value.


Rego Payment Architectures Cyclically Adjusted Book per Share Related Terms


Rego Payment Architectures Cyclically Adjusted Book per Share Historical Data

* Premium members only.

The historical data trend for Rego Payment Architectures's Cyclically Adjusted Book per Share can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Rego Payment Architectures Cyclically Adjusted Book per Share Chart

Rego Payment Architectures Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted Book per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only -0.09 -0.13 -0.14 -0.25 -0.86

Rego Payment Architectures Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Cyclically Adjusted Book per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only -0.47 -0.70 -0.86 -1.21 -0.50

STU:M0C vs BNAI, AGPU, GOAI: Cyclically Adjusted Book per Share Comparison

For the Software - Infrastructure subindustry, Rego Payment Architectures's Cyclically Adjusted PB Ratio, along with its competitors' market caps and Cyclically Adjusted PB Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Rego Payment Architectures Cyclically Adjusted PB Ratio vs Software Industry

For the Software industry and Technology sector, Rego Payment Architectures's Cyclically Adjusted PB Ratio distribution charts can be found below:

* The bar in red indicates where Rego Payment Architectures's Cyclically Adjusted PB Ratio falls into.


STU:M0C
13GF Score
Rego Payment Architectures Inc STU:M0C
Cyclically Adjusted Book per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Rego Payment Architectures Cyclically Adjusted Book per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

What is Cyclically Adjusted Book per Share? How do we calculate Cyclically Adjusted Book per Share?

Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted Book per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the book value per share from 2001 through 2010.

We adjusted the 2001 book value per share data with the total inflation from 2001 through 2010 to the equivalent book value in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's book value is $1 a share in 2001, then the 2001's equivalent book value in 2010 is $1.4 a share. If Wal-Mart's book value is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 book value in 2010 is $1.35. So on and so forth, you get the equivalent book value per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted Book per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Rego Payment Architectures's adjusted Book Value per Share data for the three months ended in Jun. 2026 was:

Adj_Book= Book Value per Share /CPI of Jun. 2026 (Change)*Current CPI (Jun. 2026)
=-0.335/333.9520*333.9520
=-0.335

Current CPI (Jun. 2026) = 333.9520.

Rego Payment Architectures Quarterly Data

Book Value per Share CPI Adj_Book
201609 -0.071 241.428 -0.098
201612 -0.086 241.432 -0.119
201703 -0.097 243.801 -0.133
201706 -0.101 244.955 -0.138
201709 -0.103 246.819 -0.139
201712 -0.112 246.524 -0.152
201803 -0.115 249.554 -0.154
201806 -0.125 251.989 -0.166
201809 -0.134 252.439 -0.177
201812 -0.142 251.233 -0.189
201903 -0.150 254.202 -0.197
201906 -0.157 256.143 -0.205
201909 -0.168 256.759 -0.219
201912 -0.172 256.974 -0.224
202003 -0.180 258.115 -0.233
202006 -0.182 257.797 -0.236
202009 -0.179 260.280 -0.230
202012 -0.255 260.474 -0.327
202103 -0.189 264.877 -0.238
202106 -0.198 271.696 -0.243
202109 -0.207 274.310 -0.252
202112 -0.228 278.802 -0.273
202203 -0.223 287.504 -0.259
202206 -0.249 296.311 -0.281
202209 -0.297 296.808 -0.334
202212 -0.258 296.797 -0.290
202303 -0.225 301.836 -0.249
202306 -0.186 305.109 -0.204
202309 -0.201 307.789 -0.218
202312 -0.212 306.746 -0.231
202403 -0.228 312.332 -0.244
202406 -0.222 314.175 -0.236
202409 -0.234 315.301 -0.248
202412 -0.265 315.605 -0.280
202503 -0.272 319.799 -0.284
202506 -0.273 322.561 -0.283
202509 -0.281 324.800 -0.289
202512 -0.299 324.054 -0.308
202603 -0.319 330.213 -0.323
202606 -0.335 333.952 -0.335

Add all the adjusted book value per share together and divide the count will get our Cyclically Adjusted Book per Share.

What does a Cyclically Adjusted Book per Share of €-0.50 mean?
Rego Payment Architectures (STU:M0C) has a Cyclically Adjusted Book per Share of €-0.50 as of Jun. 2026. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on Rego Payment Architectures and its competitors.
Is Rego Payment Architectures' Cyclically Adjusted Book per Share too high?
Rego Payment Architectures' current Cyclically Adjusted Book per Share is €-0.50. Overall, Rego Payment Architectures has a GF Score™ of 13/100, reflecting its overall financial health beyond just this single metric.
How does Rego Payment Architectures' Cyclically Adjusted Book per Share compare to BNAI and AGPU?
Rego Payment Architectures' Cyclically Adjusted Book per Share of €-0.50 can be compared against companies in the Software industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted Book per Share for a Software company?
A good Cyclically Adjusted Book per Share depends on the Software industry context. However, Cyclically Adjusted Book per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted Book per Share mean?
A high Cyclically Adjusted Book per Share can signal that a stock is expensive relative to its fundamentals. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on Rego Payment Architectures and its competitors. Rego Payment Architectures's current Cyclically Adjusted Book per Share is €-0.50. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Rego Payment Architectures stock overvalued right now?
Rego Payment Architectures (STU:M0C) has a current Cyclically Adjusted Book per Share of €-0.50. The current Cyclically Adjusted Book per Share is €-0.50. Rego Payment Architectures' overall GF Score™ is 13/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted Book per Share calculated?
Cyclically Adjusted Book per Share is calculated from a company's financial statements. For Rego Payment Architectures (STU:M0C), the current Cyclically Adjusted Book per Share is €-0.50 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Rego Payment Architectures Business Description

Other Exchanges RPMT:USA
Address 325 Sentry Parkway, Suite 200, Blue Bell, PA, USA, 19422
Rego Payment Architectures Inc is a provider of consumer software that delivers a mobile payment platform, Mazoola. Its system allows parents and their children to manage, allocate funds, and track their expenditures, savings, and charitable giving online. Its system is designed to allow the child to transact online without a credit card by gaining the parent's permission ahead of time and allowing the parent to set up the rules of use. The Company's reportable segment is a family financial solutions platform that safeguards children's privacy and provides anti-fraud protection for the elderly.
13GF Score

Get the complete analysis for STU:M0C

Cyclically Adjusted Book per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€1.18
Price