Contrasting Phreesia (NYSE:PHR) and International Monetary Systems (OTCMKTS:ITNM)

International Monetary Systems (OTCMKTS:ITNM) and Phreesia (NYSE:PHR) are both small-cap business services companies, but which is the superior business? We will contrast the two companies based on the strength of their dividends, earnings, valuation, risk, analyst recommendations, profitability and institutional ownership.

Volatility and Risk

International Monetary Systems has a beta of -0.09, indicating that its share price is 109% less volatile than the S&P 500. Comparatively, Phreesia has a beta of 0.93, indicating that its share price is 7% less volatile than the S&P 500.

Analyst Ratings

This is a summary of current ratings and price targets for International Monetary Systems and Phreesia, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
International Monetary Systems	0	0	0	0	N/A
Phreesia	0	2	12	0	2.86

Phreesia has a consensus target price of $30.54, indicating a potential upside of 18.78%. Given Phreesia’s higher probable upside, analysts plainly believe Phreesia is more favorable than International Monetary Systems.

Valuation & Earnings

This table compares International Monetary Systems and Phreesia’s gross revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
International Monetary Systems	N/A	N/A	N/A	N/A	N/A
Phreesia	$356.30 million	4.14	-$136.88 million	($2.17)	-11.85

International Monetary Systems has higher earnings, but lower revenue than Phreesia.

Institutional & Insider Ownership

92.1% of Phreesia shares are held by institutional investors. 71.3% of International Monetary Systems shares are held by insiders. Comparatively, 5.8% of Phreesia shares are held by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock is poised for long-term growth.

Profitability

This table compares International Monetary Systems and Phreesia’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
International Monetary Systems	N/A	N/A	N/A
Phreesia	-31.87%	-46.89%	-32.68%

Summary

Phreesia beats International Monetary Systems on 5 of the 9 factors compared between the two stocks.

About International Monetary Systems

International Monetary Systems Ltd. operates as a holding company. The firm engages in the management and operation of a barter trade exchange. It offers electronic mail promotions, monthly statements, 24-hour authorization service and internet trading. The company was founded in July 1985 and is headquartered in New Berlin, WI.

About Phreesia

Phreesia, Inc. provides an integrated SaaS-based software and payment platform for the healthcare industry in the United States and Canada. The company offers access solutions that offers appointment scheduling system for online appointments, reminders, and referral tracking management; registration solution to automate patient self-registration; revenue cycle solution, which offer insurance-verification processes, point-of-sale payments applications, post-visit payment collection, and flexible payment options; and network connect solution to deliver clinically relevant content to patients. The company deploys its platform in a range of modalities, such as Phreesia Mobile, a patients' mobile device; Phreesia Dashboard, a web-based dashboard for healthcare services clients; PhreesiaPads, a self-service intake tablets; and Arrivals Kiosks, an on-site kiosks. It serves patients; single-specialty practices, multi-specialty groups, and health systems; and pharmaceutical, medical device, and biotechnology companies. The company was incorporated in 2005 and is based in Wilmington, Delaware.