United States prepackaged software industry landscape illustrating listed-company operations, infrastructure and market activity

Prism Finance USA · comparison snapshot

Prepackaged Software Stocks in USA: Prism Readiness Cohort 20

Name: Prepackaged Software Stocks in USA: Prism Readiness Cohort 20 comparison snapshot
Creator: Fliar BI Prism

A five-company prepackaged software cohort selected by Prism readiness, then compared across market path, filings, profitability, readiness, Prism attention and industry context.

Snapshot: 01 September 2026Not investment adviceRanked by Prism readiness

Readiness leaderExpensify · 35

Strongest available pathREGO Payment Architectures · -32.3%

Widest latest marginXperi · -12.6%

Companies compared5 · U.S.-listed

01 · Readiness ranking

Five companies, one comparable score

Companies are ordered by the Fliar BI Prism readiness score used by the Prism Finance USA source pack. The score is a research signal, not a recommendation.

Readiness #1EXFY · Nasdaq

Expensify

A U.S.-listed issuer classified by the SEC in Prepackaged Software

Founded 2008San Francisco$227.1M market cap

View full Companies Radar profile

35Cautious

Snapshot price$2.49as of page date

Monthly-close return-94.5%five-year window

FY2025 revenue$0.14BExpensify, Inc.

Net margin-15.1%FY2025

P/E snapshot24.9xone ratio, not a verdict

Prism attention26.4%share across these five

Filing track recordRevenue, USD billions

-0.5%

FY2021–FY2025 · 5 filing periods · TOTAL REVENUE · Normalized revenue metric from the in-house filings extraction · CAGR -0.1%

52-week position85% through range

$0.69$2.81

News mentions1.7K

Community mentions0partial coverage

U.S.-scope patents85

Prism InsightsWhat sits behind the readiness signal
Observed risk 0/100higher means more observed risk

Earnings signal44/100
Management stability70/100
Market position0/100
Capital-event signal47/100
Innovation pulse0/100

Management signal

No leadership-churn flag in the model; 0 key-person events recorded in the latest 360-day window.

Market activity

Available history contains 0 M&A involvements, 0 asset-acquisition events and 4 contract events.

Innovation activity

Prism records 3 lifetime product-launch events, 0 in the latest 360 days, and 0 company announcements in that window.

Recent risk watch

No lawsuit or regulatory event is recorded in the latest 360-day window and no layoff event in the latest 180-day window. This is not legal clearance.

Prism model components and available company-event evidence; scores are research signals, not recommendations. Event totals describe available coverage and may not be exhaustive.

Readiness #2RPMT · OTC

REGO Payment Architectures

A U.S.-listed issuer classified by the SEC in Prepackaged Software

Founded 2008Palm Beach, Florida$91.6M market cap

View full Companies Radar profile

35Cautious

Snapshot price$0.67as of page date

Monthly-close return-32.3%five-year window

FY2025 revenue$0.00BREGO PAYMENT ARCHITECTURES, INC.

Net margin-426355.6%FY2025

Prism attention0.7%share across these five

Filing track recordRevenue, USD billions

-90.4%

FY2015–FY2025 · 5 filing periods · TOTAL REVENUE · Normalized revenue metric from the in-house filings extraction · CAGR -44.4%

52-week position37% through range

$0.21$1.47

News mentions43

Community mentions0partial coverage

U.S.-scope patents0

Prism InsightsWhat sits behind the readiness signal
Observed risk 0/100higher means more observed risk

Earnings signal47/100
Management stability90/100
Market position0/100
Capital-event signal22/100
Innovation pulse0/100

Management signal

No leadership-churn flag in the model; 0 key-person events recorded in the latest 360-day window.

Market activity

Available history contains 0 M&A involvements, 0 asset-acquisition events and 0 contract events.

Innovation activity

Prism records 0 lifetime product-launch events, 0 in the latest 360 days, and 0 company announcements in that window.

Recent risk watch

No lawsuit or regulatory event is recorded in the latest 360-day window and no layoff event in the latest 180-day window. This is not legal clearance.

Prism model components and available company-event evidence; scores are research signals, not recommendations. Event totals describe available coverage and may not be exhaustive.

Readiness #3SMSI · Nasdaq

Smith Micro

A U.S.-listed issuer classified by the SEC in Prepackaged Software

Founded 1982Aliso Viejo, California$15.9M market cap

View full Companies Radar profile

35Cautious

Snapshot price$2.84as of page date

Monthly-close return-98.5%five-year window

FY2025 revenue$0.02BSMITH MICRO SOFTWARE, INC.

Net margin-168.9%FY2025

P/E snapshot6.2xone ratio, not a verdict

Prism attention4.4%share across these five

Filing track recordRevenue, USD billions

-70.3%

FY2021–FY2025 · 5 filing periods · TOTAL REVENUE · Normalized revenue metric from the in-house filings extraction · CAGR -26.2%

52-week position30% through range

$2.05$4.65

News mentions280

Community mentions0partial coverage

U.S.-scope patents153

Prism InsightsWhat sits behind the readiness signal
Observed risk 0/100higher means more observed risk

Earnings signal36/100
Management stability90/100
Market position8/100
Capital-event signal32/100
Innovation pulse0/100

Management signal

No leadership-churn flag in the model; 0 key-person events recorded in the latest 360-day window.

Market activity

Available history contains 4 M&A involvements, 0 asset-acquisition events and 2 contract events.

Innovation activity

Prism records 1 lifetime product-launch events, 0 in the latest 360 days, and 0 company announcements in that window.

Recent risk watch

No lawsuit or regulatory event is recorded in the latest 360-day window and no layoff event in the latest 180-day window. This is not legal clearance.

Prism model components and available company-event evidence; scores are research signals, not recommendations. Event totals describe available coverage and may not be exhaustive.

Readiness #4LPSN · Nasdaq

LivePerson

A U.S.-listed issuer classified by the SEC in Prepackaged Software

Founded 1995WILMINGTON$36.6M market cap

View full Companies Radar profile

34Cautious

Snapshot price$2.97as of page date

Monthly-close return-99.7%five-year window

FY2025 revenue$0.24BLIVEPERSON INC

Net margin-27.6%FY2025

Prism attention41.2%share across these five

Filing track recordRevenue, USD billions

-48.1%

FY2021–FY2025 · 5 filing periods · TOTAL REVENUE · Normalized revenue metric from the in-house filings extraction · CAGR -15.1%

52-week position11% through range

$1.40$15.15

News mentions2.6K

Community mentions0partial coverage

U.S.-scope patents768

Prism InsightsWhat sits behind the readiness signal
Observed risk 0/100higher means more observed risk

Earnings signal26/100
Management stability90/100
Market position17/100
Capital-event signal25/100
Innovation pulse10/100

Management signal

No leadership-churn flag in the model; 1 key-person event recorded in the latest 360-day window.

Market activity

Available history contains 16 M&A involvements, 1 asset-acquisition events and 2 contract events.

Innovation activity

Prism records 23 lifetime product-launch events, 1 in the latest 360 days, and 1 company announcements in that window.

Recent risk watch

No lawsuit or regulatory event is recorded in the latest 360-day window and no layoff event in the latest 180-day window. This is not legal clearance.

Prism model components and available company-event evidence; scores are research signals, not recommendations. Event totals describe available coverage and may not be exhaustive.

Readiness #5XPER · NYSE

Xperi

A U.S.-listed issuer classified by the SEC in Prepackaged Software

Founded 1990San Jose, California$282.9M market cap

View full Companies Radar profile

34Cautious

Snapshot price$5.80as of page date

Monthly-close return-77.7%since September 2022

FY2025 revenue$0.45BXperi Inc.

Net margin-12.6%FY2025

P/E snapshot4.3xone ratio, not a verdict

Prism attention27.3%share across these five

Filing track recordRevenue, USD billions

-10.8%

FY2022–FY2025 · 4 filing periods · TOTAL REVENUE · Normalized revenue metric from the in-house filings extraction · CAGR -3.7%

52-week position20% through range

$5.07$8.75

News mentions1.7K

Community mentions15partial coverage

U.S.-scope patents842

Prism InsightsWhat sits behind the readiness signal
Observed risk 0/100higher means more observed risk

Earnings signal50/100
Management stability90/100
Market position13/100
Capital-event signal0/100
Innovation pulse0/100

Management signal

No leadership-churn flag in the model; 1 key-person event recorded in the latest 360-day window.

Market activity

Available history contains 6 M&A involvements, 1 asset-acquisition events and 2 contract events.

Innovation activity

Prism records 1 lifetime product-launch events, 0 in the latest 360 days, and 0 company announcements in that window.

Recent risk watch

No lawsuit or regulatory event is recorded in the latest 360-day window and no layoff event in the latest 180-day window. This is not legal clearance.

Prism model components and available company-event evidence; scores are research signals, not recommendations. Event totals describe available coverage and may not be exhaustive.

02 · Side-by-side

The comparisons that change the picture

Every bar preserves its own meaning. Price return, revenue scale, profitability and attention are deliberately not blended into one recommendation.

Available monthly-close return

Dated window printed on each company card; not a forecast.

REGO Payment Architectures

-32.3%

Xperi

-77.7%

Expensify

-94.5%

Smith Micro

-98.5%

LivePerson

-99.7%

Latest revenue

USD billions, official filing scope shown on each company card.

Xperi

$0.45B

LivePerson

$0.24B

Expensify

$0.14B

Smith Micro

$0.02B

REGO Payment Architectures

$0.00B

Latest profit margin

Company-card labels distinguish continuing-operations and net-income scope.

Xperi

-12.6%

Expensify

-15.1%

LivePerson

-27.6%

Smith Micro

-168.9%

REGO Payment Architectures

-426355.6%

Prism news attention

Normalized share across these five names; attention is not quality.

LivePerson

41.2%

Xperi

27.3%

Expensify

26.4%

Smith Micro

4.4%

REGO Payment Architectures

0.7%

03 · Prism readout

What the signals say—and what they do not

The headline share is normalized prepackaged software news attention across these five names. Partial community coverage and U.S.-scope patent records are displayed separately and are not blended into it.

Scale + attention

LivePerson leads the conversation

It holds 41.2% of measured prepackaged software news attention and also carries the basket's largest revenue base at $0.24B.

Price path

REGO Payment Architectures leads the available price paths

Its monthly-close return is -32.3% for the five-year window. At the other end, LivePerson is -99.7% for its five-year window. Windows printed on each card must be compared carefully; price history is not a forecast.

Profitability

Xperi has the widest latest margin

Its FY2025 net margin is -12.6%. Its revenue history in this snapshot spans only the periods printed on its card, so longer histories are not treated as equivalent.

Price vs operating signals

Xperi shows why one ratio is not a verdict

It has the basket's lowest snapshot P/E at 4.3x while its since September 2022 price return is -77.7%. Valuation, price path and readiness answer different questions.

04 · Research areas

Deeper Prism readout where coverage is dense

Shown only for companies with more than 800 available Prism news records. Counts describe the available research corpus, not company quality.

Areas of research · EXFY

Expensify

1,687available Prism news records

Prism top themes

Price action & investor response

Earnings & financial performance

Legal, arbitration & regulatory

Leadership & governance

Mapped subcategory tag occurrences; one article may contribute more than one tag. Since 2024-01-01.

News-volume growth

-1.6%186 latest 12m vs 189 prior 12m

Machine-classified coverage tone

82.3% positive-15.1 pp vs preceding four quarters

24Q3

24Q4

25Q1

25Q2

25Q3

25Q4

26Q1

26Q2

Tone of available coverage, not business performance or an investment outlook.

Frequent keywords

financial accounting software 50financial control software 49fiscal management software 41financial reporting tools 40expense forecasting 36accounting management systems 34accounting compliance systems 30budget planning software 28

Keyword tag occurrences in available Prism news records.

Coverage: 2010-06-03–2026-06-18 · trend and themes shown through 2026-06

Areas of research · LPSN

LivePerson

2,636available Prism news records

Prism top themes

Price action & investor response

Earnings & financial performance

Leadership & governance

Legal, arbitration & regulatory

Capital allocation & transactions

Mapped subcategory tag occurrences; one article may contribute more than one tag. Since 2024-01-01.

News-volume growth

-0.4%262 latest 12m vs 263 prior 12m

Machine-classified coverage tone

94.0% positive-0.5 pp vs preceding four quarters

24Q3

24Q4

25Q1

25Q2

25Q3

25Q4

26Q1

26Q2

Tone of available coverage, not business performance or an investment outlook.

Frequent keywords

customer service software 57voice of customer tools 48marketing automation platforms 35customer inquiry management 25stock performance 24customer lifecycle management 22automated customer journeys 22account-based marketing tools 17

Keyword tag occurrences in available Prism news records.

Coverage: 2010-01-25–2026-06-10 · trend and themes shown through 2026-06

Areas of research · XPER

Xperi

1,743available Prism news records

Prism top themes

Price action & investor response

Earnings & financial performance

Capital allocation & transactions

Leadership & governance

Mapped subcategory tag occurrences; one article may contribute more than one tag. Since 2024-01-01.

News-volume growth

+19.2%341 latest 12m vs 286 prior 12m

Machine-classified coverage tone

93.1% positive-3.3 pp vs preceding four quarters

24Q4

25Q1

25Q2

25Q3

25Q4

26Q1

26Q2

26Q3

Tone of available coverage, not business performance or an investment outlook.

Frequent keywords

stock performance 32tv subscription 18tvod services 15cable-streaming bundles 15streaming-cable packages 15catch-up tv services 15co-branded streaming 15stock price 14

Keyword tag occurrences in available Prism news records.

Coverage: 2010-08-25–2026-07-14 · trend and themes shown through 2026-07

05 · Community discussion

Common topics where conversation clears the gate

Shown only above 25 entity-matched mentions. Coverage is partial and topic counts exclude identified namesake noise.

06 · Company event log

Common news types and recent highlights

Event patterns and selected recent headlines come from available Prism company-event records since 2023. Obvious forecast, holdings, duplicate and retrospective noise is filtered.

EXFY

Expensify

through 2025-11-08

Lawsuits 16Earnings releases 15Company announcements 1Listing / IPO 1

2025-11-08
Earnings releases
Expensify reported a Q3 revenue of $35.1 million, with an increase in average paid members from 642,000 in Q3 to 653,000 in October.
2024-01-26
Lawsuits
The Law Offices of Frank R. Cruz reminds investors of the upcoming January 29, 2024 deadline to file a lead plaintiff motion in the class action filed on behalf of investors who acquired Expensify, Inc.
2023-12-15
Listing / IPO
Expensify, Inc. (EXFY) Failed to Disclose Material Relevant Information in Connection with its Registration Statement in Support of its IPO

Prism company-event records; exact duplicates and evident forecast, holdings and retrospective noise are excluded.

RPMT

REGO Payment Architectures

through 2025-03-18

Company announcements 1

2025-03-18
Company announcements
Rego Payment Architectures, Inc. (“REGO”) (OTCQB: RPMT), provider of a leading white-labeled family financial lifecycle solutions platform, announces significant corporate achievements including market expansion, product innovation, and the continued growth of its executive leadership and advisory board.

Prism company-event records; exact duplicates and evident forecast, holdings and retrospective noise are excluded.

SMSI

Smith Micro

through 2026-03-29

Earnings releases 25Business contracts 2

2026-03-29
Earnings releases
Smith Micro Software $17.36 million 1.09 -$29.33 million ($1.51) -0.49
2023-01-18
Business contracts
Smith Micro Software, announced that the Company has entered into a new contract with a leading mobile network operator in the U.S. to continue to provide digital family safety solutions.
2025-03-15
Earnings releases
Roth Capital analyst S. Searle forecasts that the software maker will post earnings of ($0.11) per share for the quarter.

Prism company-event records; exact duplicates and evident forecast, holdings and retrospective noise are excluded.

LPSN

LivePerson

through 2026-04-22

Lawsuits 19Earnings releases 16Leadership changes 13Company announcements 6M&A 5

2026-04-22
M&A
SoundHound AI, Inc. (Nasdaq: SOUN) announced on April 21, 2026, a definitive agreement to acquire LivePerson, Inc. (Nasdaq: LPSN).
2026-03-12
Earnings releases
Total revenue was $59.3 million for the fourth quarter of 2025, a decrease of 19% as compared to the same period last year... Net loss for the fourth quarter of 2025 was $46.1 million... Adjusted operating income for the fourth quarter of 2025 was $5.5 million... Adjusted EBITDA for the fourth quarter of 2025 was $10.8 million.
2026-02-24
Company announcements
LivePerson, a leading provider of predictable conversational AI and digital transformation, today announced financial results for the third quarter ended September 30, 2025. Total revenue was $60.2 million for the third quarter of 2025, a decrease of 19.0% as compared to the same period last year.

Prism company-event records; exact duplicates and evident forecast, holdings and retrospective noise are excluded.

XPER

Xperi

through 2026-02-25

Earnings releases 11Business contracts 2Asset acquisitions 1Leadership changes 1

2026-02-25
Earnings releases
In Q4, revenue fell from $122.4 million a year earlier to $116.5 million in 2025. But Xperi cut its quarterly net loss from $46.2 million a year earlier to $17.1 million in Q4 2025.
2025-11-19
Leadership changes
Xperi, an entertainment technology company that invents, develops and delivers technologies that enable extraordinary experiences, has announced that Matt Milne has been appointed to the position of President of TiVo Ads, in addition to his duties as the company’s Chief Revenue Officer.
2024-08-19
Asset acquisitions
Xperi has entered into an asset purchase agreement with Amazon.com Services to sell substantially all of the assets and certain liabilities of Perceive Corporation, a subsidiary focused on edge inference hardware and software technologies, for a gross amount of $80 million (€72.5m) in cash.

Prism company-event records; exact duplicates and evident forecast, holdings and retrospective noise are excluded.

07 · Industry landscape

Prepackaged Software Industry in USA

A bottom-of-page sector lens combining Prism's exact U.S. market-growth extraction with tightly matched U.S.-primary prepackaged software news. It adds context to the stock basket without turning industry signals into a recommendation.

Prism market forecast extraction

enterprise application software market

4 sources83.6% extraction confidence

2022 extracted base$104.68B

2026 extracted forecast$104.68B

Implied source CAGR7.2%

introduction of cloud-based deployment solutionsgrowing need to enhance business efficiencythird platform technologies

Multi-source card returned by Prism's /special_extraction market-growth service. Extracted geography mix: Global, Asia Pacific. This is a dated market benchmark, not a forecast for the five-stock basket.

Prism news insights

U.S. Prepackaged Software news pulse

107,725available Prism news records

Latest 12m volume+1.8%46456 vs 45625 records

Positive classified tone84.7%+3.4 pp vs prior four quarters

24Q4

25Q1

25Q2

25Q3

25Q4

26Q1

26Q2

26Q3

Available U.S.-primary Prism records matching prepackaged, software, application, enterprise. Metadata counts can overlap; coverage volume and tone are not measures of industry output.

Recurring Prism themes

emerging drone technology applications in defense

4,213

visa application procedures and requirements

4,107

stem cell research and applications

3,860

gene therapy and crispr technologies

3,770

earth observation satellite applications

3,420

unmanned aerial vehicle (uav) advancements

3,295

Metadata occurrences; one record can contribute more than one theme.

Frequent industry keywords

scholarship applications 2,766tuition scholarships 2,543drone electronic warfare 2,508drone logistics support 1,930autonomous reconnaissance drones 1,857stealth drone capabilities 1,841ai-targeting uavs 1,562satellite-controlled drones 1,446

Counts cover the matched industry corpus, not the broader company-news totals above.

Curated signal map

Opportunity and caution, side by side

Evidence prompts—not probabilities.

Opportunity · market driver

introduction of cloud-based deployment solutions

4 forecast sources

A recurring driver in the extracted market evidence provides a measurable research thread for the sector.

Prism /special_extraction market-growth card

Opportunity · demand

emerging drone technology applications in defense

4,213 matched theme records

The largest current Prism news theme shows where sector attention and reported activity are concentrating.

Prism U.S. news metadata

Opportunity · innovation

Innovation and product activity

23,415 matched news records

Technology, product and R&D metadata provide an auditable view of the sector's innovation conversation.

Unique news records matching the curated innovation rule

Caution · market restraint

enterprises were more cautious about their investments

6,651 macro/risk records

The extracted restraint and the measured macro-news pulse belong in the downside research frame.

Prism market-growth restraint plus U.S. news metadata

Caution · news pulse

Coverage growth can reverse

+1.8% news volume

The latest 12 months contain 46,456 matched records versus 45,625 in the previous window.

Available Prism coverage through 2026-05-05

Caution · sentiment

Classified tone is not demand

84.7% positive · +3.4pp

Machine-classified news tone is useful context, but it is not revenue, output or a return forecast.

Eight-quarter Prism sentiment series

Opportunity and caution cards are curated research prompts grounded in the counts shown; they are not probabilities, recommendations or forecasts. News coverage runs 2024-01-01–2026-05-05; the latest quarter may be partial.

Explore the broader U.S. industrial landscape →

08 · Scope and sources

How to read this snapshot

Basket and ranking

Five U.S.-listed issuers classified under SEC SIC 7372 (Prepackaged Software), selected as the first five names that pass all live publication gates from the Prism readiness candidate pool ranked 96–103. Every candidate has complete cached readiness evidence. This is a research cohort, not a recommendation.

Companies are ordered by the Fliar BI Prism readiness score used by the Prism Finance USA source pack. The score is a research signal, not a recommendation.

Evidence used

Official annual filingsFY revenue history and latest profitability
U.S. exchange market snapshotDated price, 52-week range, P/E, market capitalisation and monthly-close return
Fliar BI PrismReadiness, company and industry news, community context and U.S.-scope patent records
Prism market-growth extractionDated third-party Prepackaged Software Industry in USA market benchmark with source-count, geography and confidence context

Important: Research and educational information only. Not investment advice, a recommendation, or a live-price service. Market figures are dated as of 01 September 2026.

09 · Final derived analysis

Conclusions, comparisons, anomalies, explanations and decisions

A final evidence-linked synthesis of the metrics already displayed above. Every named company opens its actual Companies Radar profile.

Conclusions

Expensify leads the readiness ranking

Its Prism readiness score is 35/100, the highest in this five-company comparison.

Open Expensify in Companies Radar

Scale and margin leadership sit with Xperi and Xperi

Xperi has the largest displayed latest revenue at $0.45B; Xperi has the widest displayed latest margin at -12.6%.

Open Xperi in Companies Radar

Comparisons

Strongest versus weakest available price path

REGO Payment Architectures is -32.3% for its five-year window; LivePerson is -99.7% for its five-year window.

Open REGO Payment Architectures in Companies Radar Open LivePerson in Companies Radar

Largest versus smallest displayed revenue base

The latest displayed revenue ranges from $0.45B for Xperi to $0.00B for REGO Payment Architectures. Entity and filing-period labels remain visible on the company cards.

Open Xperi in Companies Radar Open REGO Payment Architectures in Companies Radar

Anomalies

LivePerson has the widest attention-readiness rank gap

It ranks #1 by measured news attention (41.2%) and #4 by Prism readiness. The gap is a review flag, not evidence that either measure is wrong.

Open LivePerson in Companies Radar

Expensify shows a price-operating divergence to inspect

Its displayed filing-revenue change is -0.5% while its available monthly-close return is -94.5%. This is the basket's largest numerical spread; the measures use different units and windows and are not directly equivalent.

Open Expensify in Companies Radar

Explanations

Attention measures coverage volume, not quality

LivePerson's 41.2% share says it appears most often in the matched Prism corpus. It does not score whether that coverage is favourable or whether the company is investable.

Open LivePerson in Companies Radar

Different windows explain why signals can disagree

Revenue comes from the printed filing periods, price paths use the dated monthly-close windows, and Prism signals use their stated event windows. No causal attribution is made across them.

Research decisions

Verify the readiness leader in Companies Radar

Open Expensify's company profile and inspect the underlying management, market-activity, innovation and risk evidence before relying on the 35/100 score.

Open Expensify in Companies Radar

Stress-test the largest divergence before forming a view

Compare Expensify's profile with REGO Payment Architectures's profile, then reconcile the displayed filing and price windows. This is a next-research action, not a buy or sell decision.

Open Expensify in Companies Radar Open REGO Payment Architectures in Companies Radar

Method boundary: These are deterministic comparisons of the displayed snapshot fields. They flag relationships for further research, do not establish causality and are not investment recommendations.