Head to Head Review: Medical Cannabis Payment Solutions (OTCMKTS:REFG) & Paymentus (NYSE:PAY)

Paymentus (NYSE:PAY) and Medical Cannabis Payment Solutions (OTCMKTS:REFG) are both business services companies, but which is the superior stock? We will contrast the two businesses based on the strength of their valuation, analyst recommendations, dividends, earnings, profitability, risk and institutional ownership.

Analyst Recommendations

This is a breakdown of current ratings and recommmendations for Paymentus and Medical Cannabis Payment Solutions, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Paymentus	0	4	4	0	2.50
Medical Cannabis Payment Solutions	0	0	0	0	0.00

Paymentus currently has a consensus target price of $37.00, indicating a potential upside of 6.11%. Given Paymentus’ stronger consensus rating and higher probable upside, equities analysts plainly believe Paymentus is more favorable than Medical Cannabis Payment Solutions.

Earnings & Valuation

This table compares Paymentus and Medical Cannabis Payment Solutions”s revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Paymentus	$871.74 million	5.02	$44.17 million	$0.46	75.81
Medical Cannabis Payment Solutions	N/A	N/A	-$30,000.00	N/A	N/A

Paymentus has higher revenue and earnings than Medical Cannabis Payment Solutions.

Insider and Institutional Ownership

78.4% of Paymentus shares are held by institutional investors. 75.4% of Paymentus shares are held by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock is poised for long-term growth.

Volatility & Risk

Paymentus has a beta of 1.48, suggesting that its share price is 48% more volatile than the S&P 500. Comparatively, Medical Cannabis Payment Solutions has a beta of -0.62, suggesting that its share price is 162% less volatile than the S&P 500.

Profitability

This table compares Paymentus and Medical Cannabis Payment Solutions’ net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Paymentus	5.29%	12.68%	10.68%
Medical Cannabis Payment Solutions	N/A	N/A	N/A

Summary

Paymentus beats Medical Cannabis Payment Solutions on 11 of the 11 factors compared between the two stocks.

About Paymentus

Paymentus Holdings, Inc. provides cloud-based bill payment technology and solutions in the United States and internationally. The company offers electronic bill presentment and payment services, enterprise customer communication, and self-service revenue management to billers through a software-as-a-service technology platform. Its platform's payment processing includes credit cards, debit cards, eChecks, and digital wallets. It serves utility, financial service, government, insurance, telecommunication, real estate management, education, consumer finance, healthcare, and small business industries. The company was founded in 2004 and is headquartered in Charlotte, North Carolina.

About Medical Cannabis Payment Solutions

Medical Cannabis Payment Solutions, Inc. develops and markets a payment system for medical cannabis transactions. Its solution assists in the state tracking of sales, collection of tax, and supervision of sales to consumers. The company was incorporated in 2013 and is based in Cheyenne, Wyoming. On August 12, 2024, Medical Cannabis Payment Solutions, Inc. filed a voluntary petition for liquidation under Chapter 7 in the U.S. Bankruptcy Court for the Western District of Pennsylvania.