Payoneer Global (NASDAQ:PAYO – Get Free Report) and Expensify (NASDAQ:EXFY – Get Free Report) are both small-cap business services companies, but which is the superior stock? We will contrast the two businesses based on the strength of their analyst recommendations, valuation, dividends, risk, profitability, earnings and institutional ownership.
Insider & Institutional Ownership
82.2% of Payoneer Global shares are owned by institutional investors. Comparatively, 68.4% of Expensify shares are owned by institutional investors. 2.6% of Payoneer Global shares are owned by company insiders. Comparatively, 17.3% 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 is poised for long-term growth.
Profitability
This table compares Payoneer Global and Expensify’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Payoneer Global | 6.96% | 10.71% | 1.01% |
| Expensify | -10.83% | -11.75% | -8.46% |
Analyst Recommendations
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Payoneer Global | 0 | 1 | 7 | 0 | 2.88 |
| Expensify | 1 | 1 | 1 | 0 | 2.00 |
Payoneer Global presently has a consensus target price of $9.00, suggesting a potential upside of 82.19%. Expensify has a consensus target price of $3.50, suggesting a potential upside of 182.26%. Given Expensify’s higher probable upside, analysts clearly believe Expensify is more favorable than Payoneer Global.
Risk and Volatility
Payoneer Global has a beta of 1.04, meaning that its stock price is 4% more volatile than the S&P 500. Comparatively, Expensify has a beta of 1.69, meaning that its stock price is 69% more volatile than the S&P 500.
Earnings & Valuation
This table compares Payoneer Global and Expensify”s revenue, earnings per share and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Payoneer Global | $977.72 million | 1.80 | $121.16 million | $0.19 | 26.00 |
| Expensify | $139.24 million | 0.72 | -$10.06 million | ($0.17) | -7.29 |
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.
Summary
Payoneer Global beats Expensify on 11 of the 14 factors compared between the two stocks.
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.
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.
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