Expensify (NASDAQ:EXFY – Get Free Report) and XBP Global (NASDAQ:XBP – Get Free Report) are both small-cap business services companies, but which is the better stock? We will compare the two businesses based on the strength of their analyst recommendations, dividends, institutional ownership, earnings, profitability, risk and valuation.
Institutional and Insider Ownership
68.4% of Expensify shares are owned by institutional investors. Comparatively, 15.7% of XBP Global shares are owned by institutional investors. 11.7% of Expensify shares are owned by insiders. Comparatively, 31.4% of XBP Global shares are owned by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock will outperform the market over the long term.
Volatility & Risk
Expensify has a beta of 1.68, indicating that its stock price is 68% more volatile than the S&P 500. Comparatively, XBP Global has a beta of -0.43, indicating that its stock price is 143% less volatile than the S&P 500.
Profitability
| Net Margins | Return on Equity | Return on Assets | |
| Expensify | -14.68% | -15.26% | -10.96% |
| XBP Global | 130.26% | 1,645.47% | 146.77% |
Analyst Ratings
This is a summary of recent recommendations for Expensify and XBP Global, as provided by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Expensify | 1 | 1 | 0 | 0 | 1.50 |
| XBP Global | 1 | 0 | 1 | 0 | 2.00 |
Expensify currently has a consensus price target of $2.50, indicating a potential upside of 35.14%. XBP Global has a consensus price target of $5.00, indicating a potential upside of 62.34%. Given XBP Global’s stronger consensus rating and higher possible upside, analysts clearly believe XBP Global is more favorable than Expensify.
Earnings and Valuation
This table compares Expensify and XBP Global”s gross revenue, earnings per share (EPS) and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Expensify | $142.10 million | 1.10 | -$21.39 million | ($0.23) | -8.04 |
| XBP Global | $791.04 million | 0.05 | $1.10 billion | ($3.28) | -0.94 |
XBP Global has higher revenue and earnings than Expensify. Expensify is trading at a lower price-to-earnings ratio than XBP Global, indicating that it is currently the more affordable of the two stocks.
Summary
XBP Global beats Expensify on 10 of the 14 factors compared between the two stocks.
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.
About XBP Global
XBP Europe Holdings, Inc. provides bills, payments, and related solutions and services in France, Germany, the United Kingdom, Sweden, and internationally. The company operates through two segments, Bills & Payments and Technology. The Bills & Payments segment focuses on optimizing how bills and payments are processed by businesses of all sizes and industries. This segment also offers automation of accounts payable and accounts receivables processes and seeks to integrate buyers and suppliers, as well as engages in digital transformation business. The Technology segment engages in the sale of recurring software licenses and related maintenance, and hardware solutions, as well as provision of related maintenance and professional services. In addition, the company offers XBP platform that provides a secured network allowing billers, consumers, and businesses to communicate and transact; XBP Omnidirect, a cloud-based platform that provides enterprise level client communication management; and Reaktr.ai for cybersecurity, data modernization and cloud management, and generative AI. Further, it provides request to pay solutions; enterprise information management solutions; robotic process automation solutions; digital mailroom and records digitization solutions; business process management and intelligent workflow automation solutions; integrated communications solution; banking and financial industry solutions and services; cross-border payments; digitization of checks; confirmation of payee; and mortgage and loan management solutions. The company is based in Egham, the United Kingdom. XBP Europe Holdings, Inc. operates as a subsidiary of Exela Technologies, Inc.
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