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.
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.
Rego Payment ArchitecturesRPMT -2.75%13 Net-Net Working Capital is $-0.37 as of Mar. 2026. GuruFocus rates RPMT with a GF Score™ of 13/100. The stock has 3 warning signs investors should review. Among 1,257 Software companies, Rego Payment Architectures ranks worse than 79554.42% on this metric.
In calculating the Net-Net Working Capital (NNWC), Benjamin Graham assumed that a company's accounts receivable is only worth 75% its value, its inventory is only worth 50% of its value, but its liabilities have to be paid in full. In addition, Graham believed that preferred stock belongs on the liability side of the balance sheet, not as part of capital and surplus. This is a conservative way of estimating the company's value.
Rego Payment Architectures's Net-Net Working Capital for the quarter that ended in Mar. 2026 was $-0.37.
The industry rank for Rego Payment Architectures's Net-Net Working Capital or its related term are showing as below:
RPMT's Price-to-Net-Net-Working-Capital is not ranked *
in the Software industry.
Industry Median: 6.96 * Ranked among companies with meaningful Price-to-Net-Net-Working-Capital only.
Rego Payment Architectures (OTCPK:RPMT) Net-Net Working Capital Explanation
One research study, covering the years 1970 through 1983 showed that portfolios picked at the beginning of each year, and held for one year, returned 29.4 percent, on average, over the 13-year period, compared to 11.5 percent for the S&P 500 Index. Other studies of Graham's strategy produced similar results.
Benjamin Graham looked for companies whose market values were less than two-thirds of their net-net value. They are collected under our Net-Net screener.
Rego Payment Architectures Net-Net Working Capital Related Terms
Rego Payment Architectures Net-Net Working Capital Historical Data
* 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 Net-Net Working Capital Chart
RPMT vs BNAI, AGPU, GOAI: Net-Net Working Capital Comparison
For the Software - Infrastructure subindustry, Rego Payment Architectures's Price-to-Net-Net-Working-Capital, along with its competitors' market caps and Price-to-Net-Net-Working-Capital 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 Price-to-Net-Net-Working-Capital vs Software Industry
For the Software industry and Technology sector, Rego Payment Architectures's Price-to-Net-Net-Working-Capital distribution charts can be found below:
* The bar in red indicates where Rego Payment Architectures's Price-to-Net-Net-Working-Capital falls into.
* 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.
In calculating the Net-Net Working Capital (NNWC), Benjamin Graham assumed that a company's accounts receivable is only worth 75% its value, its inventory is only worth 50% of its value, but its liabilities have to be paid in full.
In addition, Graham believed that preferred stock belongs on the liability side of the balance sheet, not as part of capital and surplus. In "Security Analysis", preferred stock is dubbed "an imperfect creditorship position" that is best placed on the balance sheet alongside funded debt.
This is a conservative way of estimating the company's value.
What does a Net-Net Working Capital of $-0.37 mean?
Rego Payment Architectures (RPMT) has a Net-Net Working Capital of $-0.37 as of Mar. 2026. Ben Graham defined net-net working capital as the per-share sum of cash, 75% of receivables and 50% of inventory less total liabilities. View historical data on Rego Payment Architectures According to the industry distribution chart, Rego Payment Architectures ranks #999999 out of 1257 companies in the Software industry.
Is Rego Payment Architectures' Net-Net Working Capital too high?
Rego Payment Architectures' current Net-Net Working Capital is $-0.37. Based on the distribution chart, Rego Payment Architectures ranks #999999 out of 1257 companies in the Software industry, which is in the bottom quartile relative to peers. 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' Net-Net Working Capital compare to BNAI and AGPU?
According to the Software industry distribution chart, Rego Payment Architectures ranks #999999 out of 1257 companies for Net-Net Working Capital. This places Rego Payment Architectures in the lower half of its industry. The industry median Net-Net Working Capital is 6.96. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net-Net Working Capital for a Software company?
The median Net-Net Working Capital among Software companies is 6.96, based on 1,257 companies in the industry. Companies in the top quartile (top 25%) have a Net-Net Working Capital significantly above this median, while those in the bottom quartile fall well below. However, Net-Net Working Capital 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 Net-Net Working Capital mean?
A high Net-Net Working Capital can signal that a stock is expensive relative to its fundamentals. Ben Graham defined net-net working capital as the per-share sum of cash, 75% of receivables and 50% of inventory less total liabilities. View historical data on Rego Payment Architectures For the Software industry, the median Net-Net Working Capital is 6.96 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Rego Payment Architectures's current Net-Net Working Capital is $-0.37. 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 (RPMT) has a current Net-Net Working Capital of $-0.37. The current Net-Net Working Capital is $-0.37. 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 Net-Net Working Capital calculated?
Net-Net Working Capital is calculated from a company's financial statements. For Rego Payment Architectures (RPMT), the current Net-Net Working Capital is $-0.37 as of Mar. 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 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 RPMT
Net-Net Working Capital is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
RPMT has been successfully added to your 
