Critical Survey: Rego Payment Architectures (OTCMKTS:RPMT) & Sprinklr (NYSE:CXM)

Sprinklr (NYSE:CXM) and Rego Payment Architectures (OTCMKTS:RPMT) are both small-cap business services companies, but which is the better business? We will compare the two companies based on the strength of their profitability, valuation, dividends, earnings, analyst recommendations, institutional ownership and risk.

Institutional & Insider Ownership

40.2% of Sprinklr shares are held by institutional investors. Comparatively, 0.0% of Rego Payment Architectures shares are held by institutional investors. 30.1% of Sprinklr shares are held by company insiders. Comparatively, 16.6% of Rego Payment Architectures shares are held by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company is poised for long-term growth.

Profitability

This table compares Sprinklr and Rego Payment Architectures’ net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Sprinklr	6.54%	8.40%	4.60%
Rego Payment Architectures	N/A	N/A	-174.06%

Analyst Recommendations

This is a breakdown of current recommendations for Sprinklr and Rego Payment Architectures, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Sprinklr	0	8	5	0	2.38
Rego Payment Architectures	0	0	0	0	N/A

Sprinklr currently has a consensus price target of $10.30, suggesting a potential upside of 33.25%. Given Sprinklr’s higher probable upside, research analysts clearly believe Sprinklr is more favorable than Rego Payment Architectures.

Valuation and Earnings

This table compares Sprinklr and Rego Payment Architectures”s revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Sprinklr	$732.36 million	2.68	$51.40 million	$0.21	36.81
Rego Payment Architectures	N/A	N/A	-$16.72 million	($0.11)	-10.45

Sprinklr has higher revenue and earnings than Rego Payment Architectures. Rego Payment Architectures is trading at a lower price-to-earnings ratio than Sprinklr, indicating that it is currently the more affordable of the two stocks.

Volatility & Risk

Sprinklr has a beta of 0.78, indicating that its share price is 22% less volatile than the S&P 500. Comparatively, Rego Payment Architectures has a beta of -0.64, indicating that its share price is 164% less volatile than the S&P 500.

Summary

Sprinklr beats Rego Payment Architectures on 12 of the 12 factors compared between the two stocks.

About Sprinklr

Sprinklr, Inc. provides enterprise cloud software products worldwide. The company operates Unified Customer Experience Management platform, a software that enables customer-facing teams to collaborate across internal silos, communicate across digital channels, and leverage a complete suite of capabilities to deliver customer experiences. Its products include Sprinklr Service, a suite of artificial intelligence (AI) powered products and solutions that unifies customer service across voice, digital, and social channels; Sprinklr Social, a suite of AI-powered products and solutions that unifies social media publishing and engagement across various channels; Sprinklr Insights, a suite of AI-powered products and solutions that unifies consumer, customer, competitive and industry data from a high volume of third-party, second-party and first-party sources; and Sprinklr Marketing, a suite of AI-powered products and solutions that unifies content production and content lifecycle management with paid campaign orchestration across various channels. The company also provides professional, managed, training, and consultancy services. Sprinklr, Inc. was founded in 2009 and is headquartered in New York, New York.

About Rego Payment Architectures

Rego Payment Architectures, Inc., together with its subsidiaries, provides consumer software solutions. It offers Mazoola, a mobile payment platform that enables individual users to own and monetize their purchasing behavior. The company's online solution enables families and parents to teach their children regarding financial management and spending on gaming, retail, music, and entertainment. It also provides an all-digital financial payments platform that enable minors under the age of 13 years to purchase goods and services, complete chores, and learn in a secure online environment guided by parental permission, oversight, and control; and cloud storage services. The company was formerly known as Virtual Piggy, Inc. and changed its name to Rego Payment Architectures, Inc. in February 2017. Rego Payment Architectures, Inc. was incorporated in 2008 and is headquartered in Blue Bell, Pennsylvania.