Reviewing AppFolio (NASDAQ:APPF) and Rego Payment Architectures (OTCMKTS:RPMT)

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

Insider & Institutional Ownership

62.3% of AppFolio shares are owned by institutional investors. Comparatively, 0.0% of Rego Payment Architectures shares are owned by institutional investors. 9.2% of AppFolio shares are owned by company insiders. Comparatively, 16.6% of Rego Payment Architectures shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company will outperform the market over the long term.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
AppFolio	17.32%	27.39%	20.41%
Rego Payment Architectures	N/A	N/A	-174.06%

Analyst Recommendations

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

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
AppFolio	0	1	7	0	2.88
Rego Payment Architectures	0	0	0	0	N/A

AppFolio presently has a consensus price target of $277.75, indicating a potential upside of 19.72%. Given AppFolio’s higher possible upside, research analysts plainly believe AppFolio is more favorable than Rego Payment Architectures.

Valuation & Earnings

This table compares AppFolio and Rego Payment Architectures’ gross revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
AppFolio	$620.45 million	13.56	$2.70 million	$2.07	112.07
Rego Payment Architectures	N/A	N/A	-$16.72 million	($0.11)	-8.80

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

Volatility & Risk

AppFolio has a beta of 0.81, indicating that its share price is 19% less volatile than the S&P 500. Comparatively, Rego Payment Architectures has a beta of -0.63, indicating that its share price is 163% less volatile than the S&P 500.

Summary

AppFolio beats Rego Payment Architectures on 11 of the 12 factors compared between the two stocks.

About AppFolio

AppFolio, Inc., together with its subsidiaries, provides cloud business management solutions for the real estate industry in the United States. The company provides a cloud-based platform that enables users to automate and optimize common workflows; tools that assist with leasing, maintenance, and accounting; and other technology and services offered by third parties. It offers AppFolio Property Manager Core, a platform that provides the basic functionalities required to operate a property management business, as well as serves as a system of record; AppFolio Property Manager Plus, which offers housing management, student housing management, complex accounting, leasing insights, large-scale operations support, role-based permissions, stack integrations, and enhanced customer support services; AppFolio Property Manager Max offers customer relationship management functionality, field customization, customer database functionality, and customer success management services; and AppFolio Investment Manager, a software that provides investment management, asset management, and relationship management solutions. The company also provides value-added services that are designed to enhance, automate, and streamline processes and workflows for property management businesses, such as electronic payment, tenant screening, and insurance services. AppFolio, Inc. was incorporated in 2006 and is headquartered in Santa Barbara, California.

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.