Repay (NASDAQ:RPAY) & Cosmos Group (OTCMKTS:COSG) Financial Contrast

Cosmos Group (OTCMKTS:COSG) and Repay (NASDAQ:RPAY) are both small-cap finance companies, but which is the superior business? We will compare the two businesses based on the strength of their institutional ownership, earnings, dividends, profitability, valuation, risk and analyst recommendations.

Analyst Ratings

This is a summary of recent ratings and price targets for Cosmos Group and Repay, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Cosmos Group	0	0	0	0	0.00
Repay	1	3	3	0	2.29

Repay has a consensus target price of $5.25, indicating a potential upside of 39.63%. Given Repay’s stronger consensus rating and higher probable upside, analysts clearly believe Repay is more favorable than Cosmos Group.

Volatility & Risk

Cosmos Group has a beta of -145.49, meaning that its share price is 14,649% less volatile than the S&P 500. Comparatively, Repay has a beta of 1.83, meaning that its share price is 83% more volatile than the S&P 500.

Earnings and Valuation

This table compares Cosmos Group and Repay”s gross revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Cosmos Group	$20,000.00	91.92	-$150,000.00	($0.03)	-2.00
Repay	$309.26 million	1.16	-$256.72 million	($2.04)	-1.84

Cosmos Group has higher earnings, but lower revenue than Repay. Cosmos Group is trading at a lower price-to-earnings ratio than Repay, indicating that it is currently the more affordable of the two stocks.

Institutional and Insider Ownership

82.7% of Repay shares are held by institutional investors. 0.3% of Cosmos Group shares are held by insiders. Comparatively, 12.0% of Repay shares are held by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock will outperform the market over the long term.

Profitability

This table compares Cosmos Group and Repay’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Cosmos Group	N/A	N/A	N/A
Repay	-49.57%	11.03%	4.28%

Summary

Repay beats Cosmos Group on 10 of the 14 factors compared between the two stocks.

About Cosmos Group

Cosmos Group Holdings Inc. focuses on the physical artworks and collectibles business in Hong Kong and internationally. It operates online platform to sell and distribute the arts and collectibles to end-users with the use of blockchain technologies and minting tokens. The company is based in Singapore.

About Repay

Repay Holdings Corporation, payments technology company, provides integrated payment processing solutions to industry-oriented markets in the United States. It operates through two segments: Consumer Payments and Business Payments. The company's payment processing solutions enable consumers and businesses to make payments using electronic payment methods. It also offers a range of solutions relating to electronic payment methods, including credit and debit card processing, automated clearing house (ACH) processing, e-cash, and digital wallet services; virtual credit card processing, enhanced ACH processing, instant funding, clearing and settlement, and communication solutions; and proprietary payment channels that include Web-based, virtual terminal, online client portal, mobile application, text-to-pay, interactive voice response, and point of sale services. It serves customers primarily operating in the personal loans, automotive loans, receivables management, and business-to-business verticals through direct sales representatives and software integration partners. The company was founded in 2006 and is headquartered in Atlanta, Georgia.