Critical Survey: Expensify (NASDAQ:EXFY) vs. International Card Establishment (OTCMKTS:ICRD)

International Card Establishment (OTCMKTS:ICRD) and Expensify (NASDAQ:EXFY) are both business services companies, but which is the better investment? We will compare the two companies based on the strength of their earnings, analyst recommendations, institutional ownership, risk, valuation, dividends and profitability.

Profitability

This table compares International Card Establishment and Expensify’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
International Card Establishment	N/A	N/A	N/A
Expensify	-11.81%	-14.72%	-8.89%

Analyst Ratings

This is a summary of recent recommendations for International Card Establishment and Expensify, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
International Card Establishment	0	0	0	0	0.00
Expensify	0	2	2	0	2.50

Expensify has a consensus price target of $4.00, indicating a potential upside of 62.60%. Given Expensify’s stronger consensus rating and higher probable upside, analysts plainly believe Expensify is more favorable than International Card Establishment.

Insider and Institutional Ownership

68.4% of Expensify shares are held by institutional investors. 17.3% of Expensify shares are held by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock will outperform the market over the long term.

Valuation and Earnings

This table compares International Card Establishment and Expensify”s gross revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
International Card Establishment	N/A	N/A	N/A	N/A	N/A
Expensify	$141.78 million	1.39	-$41.46 million	($0.09)	-27.33

International Card Establishment has higher earnings, but lower revenue than Expensify.

Summary

Expensify beats International Card Establishment on 6 of the 9 factors compared between the two stocks.

About International Card Establishment

International Card Establishment, Inc. provides merchant services in the United States. It offers payment processing services for brick and mortar merchants; proprietary gift and loyalty program; gift cards with customized artwork; various merchant terminals and accessories; leasing program; customer support; and agent program. The company is headquartered in Camarillo, California.

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.