Microsoft (NASDAQ:MSFT) and Rego Payment Architectures (OTCMKTS:RPMT) are both computer and technology companies, but which is the superior business? We will contrast the two companies based on the strength of their analyst recommendations, risk, profitability, earnings, institutional ownership, valuation and dividends.

Volatility & Risk

Microsoft has a beta of 1.15, meaning that its stock price is 15% more volatile than the S&P 500. Comparatively, Rego Payment Architectures has a beta of 0.99, meaning that its stock price is 1% less volatile than the S&P 500.

Insider and Institutional Ownership

71.9% of Microsoft shares are held by institutional investors. 1.4% of Microsoft 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 will outperform the market over the long term.

Earnings & Valuation

This table compares Microsoft and Rego Payment Architectures’ top-line revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Microsoft $125.84 billion 11.11 $39.24 billion $4.75 38.71
Rego Payment Architectures $50,000.00 381.12 -$5.95 million N/A N/A

Microsoft has higher revenue and earnings than Rego Payment Architectures.

Profitability

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

Net Margins Return on Equity Return on Assets
Microsoft 33.02% 40.41% 15.03%
Rego Payment Architectures N/A N/A -819.34%

Analyst Recommendations

This is a breakdown of recent ratings and target prices for Microsoft and Rego Payment Architectures, as provided by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Microsoft 0 1 31 1 3.00
Rego Payment Architectures 0 0 0 0 N/A

Microsoft currently has a consensus price target of $187.17, suggesting a potential upside of 1.78%. Given Microsoft’s higher probable upside, research analysts plainly believe Microsoft is more favorable than Rego Payment Architectures.

Summary

Microsoft beats Rego Payment Architectures on 11 of the 13 factors compared between the two stocks.

About Microsoft

Microsoft Corporation develops, licenses, and supports software, services, devices, and solutions worldwide. Its company's Productivity and Business Processes segment offers Office 365 commercial products and services, such as Office, Exchange, SharePoint, Skype for Business, Microsoft Teams, and related Client Access Licenses (CALs); Office 365 consumer services, including Skype, Outlook.com, and OneDrive; LinkedIn online professional network; and Dynamics business solutions comprising financial management, enterprise resource planning, customer relationship management, supply chain management, and analytics applications for small and medium businesses, large organizations, and divisions of enterprises. The company's Intelligent Cloud segment licenses server products and cloud services, such as SQL Server, Windows Server, Visual Studio, System Center, and related CALs, as well as Azure, a cloud platform; and enterprise services, including premier support and Microsoft consulting services to assist customers in developing, deploying, and managing Microsoft server and desktop solutions, as well as provides training and certification to developers and IT professionals. Its More Personal Computing segment offers Windows OEM, volume, and other non-volume licensing of the Windows operating system; patent licensing, Windows Internet of Things, and MSN display advertising; devices comprising Surface, PC accessories, and other intelligent devices; Xbox hardware and software and services; and Bing and Bing Ads search advertising. It markets its products through original equipment manufacturers, distributors, and resellers; and online and Microsoft retail stores. Microsoft Corporation has collaboration with E.ON, NIIT Technologies Ltd., and CUNA Mutual Group; strategic alliance with Nielsen Holdings plc and PAREXEL International Corp.; and a strategic collaboration with Mastercard Incorporated. The company was founded in 1975 and is headquartered in Redmond, Washington.

About Rego Payment Architectures

Rego Payment Architectures, Inc., together with its subsidiaries, operates as a technology company that delivers an online and mobile payment platform solution for families in the United States and Europe. Its system allows parents and their children to manage, allocate funds, and track their expenditures, savings, and charitable giving on a mobile device, as well as online through its Web portal. The company's payment platform also automatically monitors regulatory compliance in real-time for various transactions, as well as protects vendors from unintended regulatory infractions. It offers its products under the Oink brand name. 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 founded in 2008 and is based in Cerritos, California.

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