Expensify (NASDAQ:EXFY – Get Free Report) and Nayax (NASDAQ:NYAX – Get Free Report) are both business services companies, but which is the superior investment? We will compare the two companies based on the strength of their profitability, risk, analyst recommendations, earnings, institutional ownership, valuation and dividends.
Analyst Recommendations
This is a summary of current ratings and price targets for Expensify and Nayax, as provided by MarketBeat.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Expensify | 1 | 1 | 1 | 0 | 2.00 |
| Nayax | 1 | 3 | 3 | 0 | 2.29 |
Expensify currently has a consensus price target of $3.50, suggesting a potential upside of 322.09%. Nayax has a consensus price target of $51.67, suggesting a potential downside of 11.51%. Given Expensify’s higher probable upside, equities analysts clearly believe Expensify is more favorable than Nayax.
Profitability
| Net Margins | Return on Equity | Return on Assets | |
| Expensify | -15.05% | -16.00% | -11.42% |
| Nayax | 8.87% | 11.60% | 3.54% |
Valuation & Earnings
This table compares Expensify and Nayax”s top-line revenue, earnings per share (EPS) and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Expensify | $142.10 million | 0.47 | -$21.39 million | ($0.24) | -3.46 |
| Nayax | $400.43 million | 5.34 | $35.52 million | $0.95 | 61.46 |
Nayax has higher revenue and earnings than Expensify. Expensify is trading at a lower price-to-earnings ratio than Nayax, indicating that it is currently the more affordable of the two stocks.
Volatility and Risk
Expensify has a beta of 1.7, indicating that its share price is 70% more volatile than the S&P 500. Comparatively, Nayax has a beta of 0.1, indicating that its share price is 90% less volatile than the S&P 500.
Institutional & Insider Ownership
68.4% of Expensify shares are owned by institutional investors. Comparatively, 34.9% of Nayax shares are owned by institutional investors. 12.3% of Expensify shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company will outperform the market over the long term.
Summary
Nayax beats Expensify on 10 of the 14 factors compared between the two stocks.
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 Nayax
Nayax Ltd., a fintech company, operates system and payment platform for multiple retailers in the United States, Europe, the United Kingdom, Australia, Israel, and rest of the world. The company offers AMIT 3.0, a machine-to-machine vending telemetry solution; Nayax Core, a management and monitoring software for vending machines and other unattended machines; MoMa, a mobile app for unattended machine; Tigapo back-office software suite, a cloud-based platform; EV Core, a smart, cloud-based management platform; Retail Management Cloud, a comprehensive attended retail management platform; Loyalty and Marketing Suite, a consumer engagement marketing and loyalty platform; Monyx Wallet, a digital wallet app enabling cashless payments with mobile phones; Weezmo, a consumer engagement and marketing platform; and Tigapo app, a proprietary mobile app to help family entertainment center businesses. It provides electric vehicle charging stations; VPOS Touch, a credit card reader cashless payment device; VPOS Fusion, a cashless payment card reader; ONYX, a contactless card reader and telemetry device; NOVA 156, an electronic cash register; DOT, a smart QR and barcode reader; UNO Plus and UNO 8, which are EMV and FeliCa contactless readers; EMV SOM, a PCI-PTS ready contactless EMV reader module; Nova Market, a cashless micro market and self-checkout solution; NOVA 55, an a handheld smart point of sale (POS) device; NOVA 45, a handheld mini smart terminals for attended POS; and Retail One, a universal retail solution that integrates directly with SAP. The company sells its products directly, as well as through resellers and distributors. It serves various verticals, including vending machines, coffee machines, unattended checkout counters, self-service kiosks, ticketing machines, car wash stations, gaming machines, amusement rides, laundromats, and EV charging stations. Nayax Ltd. was incorporated in 2005 and is headquartered in Herzliya, Israel.
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