Financial Comparison: Expensify (NASDAQ:EXFY) versus Paypoint (OTCMKTS:PYPTF)

Expensify (NASDAQ:EXFY) and Paypoint (OTCMKTS:PYPTF) are both small-cap business services companies, but which is the superior stock? We will compare the two companies based on the strength of their dividends, risk, profitability, institutional ownership, earnings, analyst recommendations and valuation.

Analyst Recommendations

This is a breakdown of current recommendations and price targets for Expensify and Paypoint, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Expensify	1	1	1	0	2.00
Paypoint	0	0	0	0	0.00

Expensify presently has a consensus price target of $3.50, suggesting a potential upside of 171.32%. Given Expensify’s stronger consensus rating and higher possible upside, analysts clearly believe Expensify is more favorable than Paypoint.

Profitability

This table compares Expensify and Paypoint’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Expensify	-10.83%	-11.75%	-8.46%
Paypoint	N/A	N/A	N/A

Institutional & Insider Ownership

68.4% of Expensify shares are owned by institutional investors. 12.3% of Expensify shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company will outperform the market over the long term.

Risk and Volatility

Expensify has a beta of 1.69, meaning that its stock price is 69% more volatile than the S&P 500. Comparatively, Paypoint has a beta of 0.46, meaning that its stock price is 54% less volatile than the S&P 500.

Valuation & Earnings

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

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Expensify	$139.24 million	0.75	-$10.06 million	($0.17)	-7.59
Paypoint	$391.23 million	1.12	$24.49 million	N/A	N/A

Paypoint has higher revenue and earnings than Expensify.

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 Paypoint

PayPoint plc engages in the provision of payments and banking, shopping, and e-commerce services and products in the United Kingdom. The company operates through two segments: PayPoint and Love2shop. The PayPoint segment provides card payment services to retailers, including leased payment devices; EPoS; ATM cash machines; SIM cards sales; receipt advertising; bill payment services and cash top-ups to individual consumers; parcel delivery and collection services; retailer service fees solutions; and digital payment services, as well as cash through to digital services. The segment offers its products under PayPoint One, eMoney, MultiPay, CashOut, and Direct Debits platforms. The Love2shop segment is involved in the provision of shopping vouchers, cards, and e-codes which customers may redeem with participating retailers; and Christmas savings club, to which customers make regular payments throughout the year to help spread the cost of Christmas, before converting to a voucher. It serves consumers, SMEs, and convenience retailers in the commercial, not-for-profit, and public sectors. The company was founded in 1996 and is headquartered in Welwyn Garden City, the United Kingdom.