Nayax (NASDAQ:NYAX – Get Free Report) and Expensify (NASDAQ:EXFY – Get Free Report) are both business services companies, but which is the superior investment? We will contrast the two businesses based on the strength of their dividends, risk, analyst recommendations, earnings, profitability, institutional ownership and valuation.
Insider & Institutional Ownership
34.9% of Nayax shares are held by institutional investors. Comparatively, 68.4% of Expensify shares are held by institutional investors. 12.3% of Expensify shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock is poised for long-term growth.
Profitability
This table compares Nayax and Expensify’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Nayax | 8.87% | 11.60% | 3.54% |
| Expensify | -15.05% | -16.00% | -11.42% |
Valuation and Earnings
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Nayax | $400.43 million | 5.30 | $35.52 million | $0.95 | 61.05 |
| Expensify | $142.10 million | 0.51 | -$21.39 million | ($0.24) | -3.76 |
Nayax has higher revenue and earnings than Expensify. Expensify is trading at a lower price-to-earnings ratio than Nayax, indicating that it is currently the more affordable of the two stocks.
Analyst Ratings
This is a breakdown of recent recommendations for Nayax and Expensify, as reported by MarketBeat.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Nayax | 1 | 3 | 3 | 0 | 2.29 |
| Expensify | 1 | 1 | 1 | 0 | 2.00 |
Nayax currently has a consensus target price of $51.67, indicating a potential downside of 10.92%. Expensify has a consensus target price of $3.50, indicating a potential upside of 288.33%. Given Expensify’s higher possible upside, analysts plainly believe Expensify is more favorable than Nayax.
Volatility and Risk
Nayax has a beta of 0.1, meaning that its share price is 90% less volatile than the S&P 500. Comparatively, Expensify has a beta of 1.7, meaning that its share price is 70% more volatile than the S&P 500.
Summary
Nayax beats Expensify on 10 of the 14 factors compared between the two stocks.
About Nayax
Nayax Ltd., a fintech company, operates system and payment platform for multiple retailers in the United States, Europe, the United Kingdom, Australia, Israel, and rest of the world. The company offers AMIT 3.0, a machine-to-machine vending telemetry solution; Nayax Core, a management and monitoring software for vending machines and other unattended machines; MoMa, a mobile app for unattended machine; Tigapo back-office software suite, a cloud-based platform; EV Core, a smart, cloud-based management platform; Retail Management Cloud, a comprehensive attended retail management platform; Loyalty and Marketing Suite, a consumer engagement marketing and loyalty platform; Monyx Wallet, a digital wallet app enabling cashless payments with mobile phones; Weezmo, a consumer engagement and marketing platform; and Tigapo app, a proprietary mobile app to help family entertainment center businesses. It provides electric vehicle charging stations; VPOS Touch, a credit card reader cashless payment device; VPOS Fusion, a cashless payment card reader; ONYX, a contactless card reader and telemetry device; NOVA 156, an electronic cash register; DOT, a smart QR and barcode reader; UNO Plus and UNO 8, which are EMV and FeliCa contactless readers; EMV SOM, a PCI-PTS ready contactless EMV reader module; Nova Market, a cashless micro market and self-checkout solution; NOVA 55, an a handheld smart point of sale (POS) device; NOVA 45, a handheld mini smart terminals for attended POS; and Retail One, a universal retail solution that integrates directly with SAP. The company sells its products directly, as well as through resellers and distributors. It serves various verticals, including vending machines, coffee machines, unattended checkout counters, self-service kiosks, ticketing machines, car wash stations, gaming machines, amusement rides, laundromats, and EV charging stations. Nayax Ltd. was incorporated in 2005 and is headquartered in Herzliya, Israel.
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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