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 superior stock? We will compare the two businesses based on the strength of their analyst recommendations, institutional ownership, dividends, risk, valuation, profitability and earnings.
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% |
Insider & Institutional Ownership
25.9% of Paysign shares are held by institutional investors. Comparatively, 86.7% of International Money Express shares are held by institutional investors. 22.4% of Paysign shares are held by company insiders. Comparatively, 5.1% of International Money Express 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.
Earnings and Valuation
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Paysign | $58.38 million | 4.68 | $3.82 million | $0.13 | 38.15 |
| International Money Express | $658.65 million | 0.69 | $58.82 million | $1.28 | 11.98 |
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.
Analyst Recommendations
This is a breakdown of recent recommendations and price targets for Paysign and International Money Express, as reported by MarketBeat.com.
| 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 price target of $8.56, suggesting a potential upside of 72.63%. International Money Express has a consensus price target of $14.33, suggesting a potential downside of 6.56%. Given Paysign’s stronger consensus rating and higher possible upside, research analysts plainly believe Paysign is more favorable than International Money Express.
Risk & Volatility
Paysign has a beta of 0.96, suggesting that its stock price is 4% less volatile than the S&P 500. Comparatively, International Money Express has a beta of 0.88, suggesting that its stock price is 12% less volatile than the S&P 500.
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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