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

Rego Payment Architectures (OTCMKTS:RPMT) and Sprinklr (NYSE:CXM) are both computer and technology companies, but which is the better stock? We will contrast the two businesses based on the strength of their risk, analyst recommendations, earnings, valuation, institutional ownership, dividends and profitability.

Volatility & Risk

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

Analyst Recommendations

This is a breakdown of recent recommendations and price targets for Rego Payment Architectures and Sprinklr, as reported by MarketBeat.

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

Sprinklr has a consensus target price of $10.30, indicating a potential upside of 36.42%. Given Sprinklr’s higher possible upside, analysts clearly believe Sprinklr is more favorable than Rego Payment Architectures.

Valuation and Earnings

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

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Rego Payment Architectures	N/A	N/A	-$16.72 million	($0.11)	-8.91
Sprinklr	$773.70 million	2.59	$51.40 million	$0.21	35.95

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.

Institutional and Insider Ownership

0.0% of Rego Payment Architectures shares are owned by institutional investors. Comparatively, 40.2% of Sprinklr shares are owned by institutional investors. 16.6% of Rego Payment Architectures shares are owned by insiders. Comparatively, 30.1% of Sprinklr shares are owned by 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 Rego Payment Architectures and Sprinklr’s net margins, return on equity and return on assets.

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

Summary

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

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.

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.