Expensify (NASDAQ:EXFY – Get Free Report) and Ryvyl (NASDAQ:RVYL – Get Free Report) are both small-cap business services companies, but which is the superior business? We will contrast the two companies based on the strength of their dividends, risk, valuation, institutional ownership, earnings, analyst recommendations and profitability.
Risk & Volatility
Expensify has a beta of 1.69, meaning that its share price is 69% more volatile than the S&P 500. Comparatively, Ryvyl has a beta of 2.79, meaning that its share price is 179% more volatile than the S&P 500.
Institutional and Insider Ownership
68.4% of Expensify shares are owned by institutional investors. Comparatively, 17.4% of Ryvyl shares are owned by institutional investors. 12.3% of Expensify shares are owned by company insiders. Comparatively, 12.4% of Ryvyl shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company is poised for long-term growth.
Profitability
| Net Margins | Return on Equity | Return on Assets | |
| Expensify | -10.83% | -11.75% | -8.46% |
| Ryvyl | -36.89% | -522.95% | -21.79% |
Earnings & Valuation
This table compares Expensify and Ryvyl”s gross revenue, earnings per share and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Expensify | $139.24 million | 0.84 | -$10.06 million | ($0.17) | -8.53 |
| Ryvyl | $56.00 million | 0.14 | -$26.83 million | ($1.04) | -0.20 |
Expensify has higher revenue and earnings than Ryvyl. Expensify is trading at a lower price-to-earnings ratio than Ryvyl, indicating that it is currently the more affordable of the two stocks.
Analyst Recommendations
This is a breakdown of current ratings and recommmendations for Expensify and Ryvyl, as reported by MarketBeat.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Expensify | 1 | 1 | 1 | 0 | 2.00 |
| Ryvyl | 1 | 1 | 0 | 0 | 1.50 |
Expensify presently has a consensus target price of $3.50, indicating a potential upside of 141.38%. Given Expensify’s stronger consensus rating and higher probable upside, equities analysts clearly believe Expensify is more favorable than Ryvyl.
Summary
Expensify beats Ryvyl 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 Ryvyl
Ryvyl Inc., a technology company, engages in the development, marketing, and sale of blockchain-based payment solutions in North America, Europe, and Asia. The company's blockchain-based systems facilitate, record, and store a volume of tokenized assets representing cash or data on a blockchain-based ledger. Its products include QuickCard Payment System, a physical and virtual payment card processing management system, including software that facilitates on and off ramp e-wallet management; Coyni, a digital token platform, which offers custodial assurance by utilizing its stable coin and blockchain technology in a closed-loop ecosystem; and ChargeSavvy, an end-to-end POS solution comprising software and hardware for the restaurant and hospitality industry. It serves customers in various industries, including foreign exchange, retail, and e-commerce sectors. The company was formerly known as GreenBox POS and changed its name to Ryvyl Inc. in October 2022. Ryvyl Inc. is based in San Diego, California.
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