Payoneer Global (NASDAQ:PAYO) vs. Expensify (NASDAQ:EXFY) Financial Contrast

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

Risk and Volatility

Expensify has a beta of 1.69, indicating that its stock price is 69% more volatile than the S&P 500. Comparatively, Payoneer Global has a beta of 1.04, indicating that its stock price is 4% more volatile than the S&P 500.

Earnings & Valuation

This table compares Expensify and Payoneer Global”s top-line revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Expensify	$139.24 million	0.74	-$10.06 million	($0.17)	-7.47
Payoneer Global	$977.72 million	1.91	$121.16 million	$0.19	27.58

Payoneer Global has higher revenue and earnings than Expensify. Expensify is trading at a lower price-to-earnings ratio than Payoneer Global, indicating that it is currently the more affordable of the two stocks.

Insider and Institutional Ownership

68.4% of Expensify shares are held by institutional investors. Comparatively, 82.2% of Payoneer Global shares are held by institutional investors. 12.3% of Expensify shares are held by company insiders. Comparatively, 2.6% of Payoneer Global shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company is poised for long-term growth.

Analyst Ratings

This is a summary of current recommendations for Expensify and Payoneer Global, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Expensify	1	1	1	0	2.00
Payoneer Global	0	1	7	0	2.88

Expensify presently has a consensus price target of $3.50, indicating a potential upside of 175.59%. Payoneer Global has a consensus price target of $9.00, indicating a potential upside of 71.76%. Given Expensify’s higher possible upside, equities analysts plainly believe Expensify is more favorable than Payoneer Global.

Profitability

This table compares Expensify and Payoneer Global’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%
Payoneer Global	6.96%	10.71%	1.01%

Summary

Payoneer Global beats Expensify on 11 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 Payoneer Global

Payoneer Global Inc. operates as a financial technology company. It operates a payment infrastructure platform that provides customers with a one-stop, global, multi-currency account to serve their accounts receivable and accounts payable needs. The company delivers a suite of services that includes cross-border payments, physical and virtual MasterCard cards, working capital, risk management, and other services. It also offers various payment options with minimal integration required, full back-office functions, and customer support offered. The company's platform delivers bank-grade security, stability, and redundancy. It serves customers, such as small and medium-sized businesses in approximately 190 countries and territories worldwide. Payoneer Global Inc. was founded in 2005 and is headquartered in New York, New York.