Head to Head Comparison: BILL (NYSE:BILL) vs. LiveRamp (NYSE:RAMP)

LiveRamp (NYSE:RAMP) and BILL (NYSE:BILL) are both mid-cap technology companies, but which is the superior business? We will contrast the two businesses based on the strength of their profitability, risk, earnings, dividends, valuation, analyst recommendations and institutional ownership.

Volatility & Risk

LiveRamp has a beta of 1.27, suggesting that its stock price is 27% more volatile than the S&P 500. Comparatively, BILL has a beta of 1.13, suggesting that its stock price is 13% more volatile than the S&P 500.

Valuation and Earnings

This table compares LiveRamp and BILL”s top-line revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
LiveRamp	$812.94 million	2.80	$145.95 million	$2.44	15.35
BILL	$1.65 billion	2.35	-$11.24 million	($0.13)	-350.68

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

Insider & Institutional Ownership

93.8% of LiveRamp shares are owned by institutional investors. Comparatively, 98.0% of BILL shares are owned by institutional investors. 3.3% of LiveRamp shares are owned by company insiders. Comparatively, 13.2% of BILL shares are owned by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock is poised for long-term growth.

Profitability

This table compares LiveRamp and BILL’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
LiveRamp	18.71%	9.77%	7.41%
BILL	-0.68%	3.74%	1.39%

Analyst Ratings

This is a summary of recent recommendations and price targets for LiveRamp and BILL, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
LiveRamp	0	6	2	0	2.25
BILL	1	7	11	1	2.60

LiveRamp presently has a consensus target price of $40.21, suggesting a potential upside of 7.40%. BILL has a consensus target price of $58.67, suggesting a potential upside of 28.69%. Given BILL’s stronger consensus rating and higher possible upside, analysts clearly believe BILL is more favorable than LiveRamp.

Summary

BILL beats LiveRamp on 8 of the 15 factors compared between the two stocks.

About LiveRamp

LiveRamp Holdings, Inc., a technology company, operates a data collaboration platform in the United States, Europe, the Asia-Pacific, and internationally. The company operates LiveRamp Data Collaboration platform enables an organization to unify customer and prospect data to build a single view of the customer in a way that protects consumer privacy. Its platform supports various people-based marketing solutions, including data collaboration, activation, measurement and analytics, identity, and data marketplace. The company sells its solutions to enterprise marketers, agencies, marketing technology providers, publishers, and data providers in various industry verticals, such as financial, insurance and investment services, retail, automotive, telecommunications, high tech, consumer packaged goods, healthcare, travel, entertainment, and non-profit. The company was formerly known as Acxiom Holdings, Inc. and changed its name to LiveRamp Holdings, Inc. in October 2018. The company was incorporated in 2018 and is headquartered in San Francisco, California.

About BILL

BILL Holdings, Inc. provides financial automation software for small and midsize businesses worldwide. The company provides software-as-a-service, cloud-based payments, and spend management products, which allow users to automate accounts payable and accounts receivable transactions, as well as enable users to connect with their suppliers and/or customers to do business, eliminate expense reports, manage cash flows, and improve office efficiency. It also offers onboarding implementation support, and ongoing support and training services. In addition, the company's artificial intelligence enabled software provides connections between suppliers and clients. It serves accounting firms, financial institutions, and software companies. The company was formerly known as Bill.com Holdings, Inc. and changed its name to BILL Holdings, Inc. in February 2023. BILL Holdings, Inc. was incorporated in 2006 and is headquartered in San Jose, California.