Expensify (NASDAQ:EXFY – Get Free Report) and Snail (NASDAQ:SNAL – Get Free Report) are both small-cap business services companies, but which is the better stock? We will compare the two businesses based on the strength of their profitability, earnings, dividends, risk, valuation, institutional ownership and analyst recommendations.
Valuation and Earnings
This table compares Expensify and Snail”s top-line revenue, earnings per share (EPS) and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Expensify | $137.44 million | 1.95 | -$41.46 million | ($0.18) | -19.28 |
| Snail | $86.82 million | 0.80 | -$9.09 million | $0.09 | 20.78 |
Snail has lower revenue, but higher earnings than Expensify. Expensify is trading at a lower price-to-earnings ratio than Snail, indicating that it is currently the more affordable of the two stocks.
Analyst Recommendations
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Expensify | 0 | 3 | 1 | 0 | 2.25 |
| Snail | 0 | 0 | 0 | 0 | 0.00 |
Expensify presently has a consensus price target of $3.17, indicating a potential downside of 8.74%. Given Expensify’s stronger consensus rating and higher probable upside, analysts clearly believe Expensify is more favorable than Snail.
Institutional and Insider Ownership
68.4% of Expensify shares are owned by institutional investors. Comparatively, 0.4% of Snail shares are owned by institutional investors. 17.3% of Expensify shares are owned by insiders. Comparatively, 78.2% of Snail shares are owned by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock is poised for long-term growth.
Profitability
This table compares Expensify and Snail’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Expensify | -11.81% | -14.72% | -8.89% |
| Snail | 3.15% | 136.34% | 3.51% |
Risk and Volatility
Expensify has a beta of 1.9, suggesting that its stock price is 90% more volatile than the S&P 500. Comparatively, Snail has a beta of 0.34, suggesting that its stock price is 66% less volatile than the S&P 500.
About Expensify
Expensify, Inc. provides a cloud-based expense management software platform to individuals and corporations, small and midsized businesses, and enterprises in the United States and internationally. The company’s platform enables users to manage corporate cards, pay bills, generate invoices, collect payments, and book travel. It also offers track and submit plans for individuals. The company was founded in 2008 and is based in Portland, Oregon.
About Snail
Snail, Inc., together with its subsidiaries, researches, develops, markets, publishes, and distributes interactive digital entertainment for consumers worldwide. It offers games, content, and support for various platforms, including game consoles, personal computers, mobile phones, and tablets. Snail, Inc. was founded in 2009 and is headquartered in Culver City, California. Snail, Inc. operates as a subsidiary of Olive Wood Global Development Limited.
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