Paysign (NASDAQ:PAYS – Get Free Report) and International Money Express (NASDAQ:IMXI – Get Free Report) are both small-cap business services companies, but which is the better business? We will compare the two companies based on the strength of their valuation, institutional ownership, earnings, profitability, risk, analyst recommendations and dividends.
Institutional and Insider Ownership
25.9% of Paysign shares are owned by institutional investors. Comparatively, 86.7% of International Money Express shares are owned by institutional investors. 22.4% of Paysign shares are owned by company insiders. Comparatively, 5.1% of International Money Express 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.
Volatility and Risk
Paysign has a beta of 0.93, suggesting that its share price is 7% less volatile than the S&P 500. Comparatively, International Money Express has a beta of 0.87, suggesting that its share price is 13% less volatile than the S&P 500.
Analyst Ratings
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Paysign | 0 | 1 | 4 | 0 | 2.80 |
| International Money Express | 1 | 5 | 1 | 0 | 2.00 |
Paysign presently has a consensus target price of $8.56, indicating a potential upside of 65.17%. International Money Express has a consensus target price of $14.33, indicating a potential downside of 6.84%. Given Paysign’s stronger consensus rating and higher possible upside, research analysts clearly believe Paysign is more favorable than International Money Express.
Profitability
This table compares Paysign and International Money Express’ net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Paysign | 10.10% | 19.18% | 3.84% |
| International Money Express | 6.26% | 35.45% | 10.29% |
Earnings & Valuation
This table compares Paysign and International Money Express”s gross revenue, earnings per share and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Paysign | $58.38 million | 4.89 | $3.82 million | $0.13 | 39.88 |
| International Money Express | $658.65 million | 0.69 | $58.82 million | $1.28 | 12.02 |
International Money Express has higher revenue and earnings than Paysign. International Money Express is trading at a lower price-to-earnings ratio than Paysign, indicating that it is currently the more affordable of the two stocks.
Summary
Paysign beats International Money Express on 8 of the 14 factors compared between the two stocks.
About Paysign
Paysign, Inc. provides prepaid card programs, comprehensive patient affordability offerings, digital banking services, and integrated payment processing services for businesses, consumers, and government institutions. Its product offerings include solutions for corporate rewards, prepaid gift cards, general purpose reloadable debit cards, employee incentives, consumer rebates, donor compensation, clinical trials, healthcare reimbursement payments and pharmaceutical payment assistance, and demand deposit accounts accessible with a debit card. The company markets its prepaid card solutions under the Paysign brand. Its primary market focus is on companies and municipalities that require a streamlined payment solution for rewards, rebates, payment assistance, and other payments to their customers, employees, agents, and others. The company was formerly known as 3PEA International, Inc. and changed its name to Paysign, Inc. in April 2019. Paysign, Inc. was incorporated in 1995 and is headquartered in Henderson, Nevada.
About International Money Express
International Money Express, Inc., together with its subsidiaries, operates as an omnichannel money remittance services company in the United States, Latin America, Mexico, Central and South America, the Caribbean, Africa, and Asia. The company offers remittance services, which include a suite of ancillary financial processing solutions and payment services; and online payment options, pre-paid debit cards, and direct deposit payroll cards. It provides services through sending and paying agents and company-operated stores, as well as through online and Internet-enabled mobile devices. International Money Express, Inc. is headquartered in Miami, Florida.
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