Comparing Tuya (NYSE:TUYA) & BILL (NYSE:BILL)

Tuya (NYSE:TUYA) and BILL (NYSE:BILL) are both computer and technology companies, but which is the better stock? We will contrast the two businesses based on the strength of their analyst recommendations, earnings, dividends, profitability, institutional ownership, risk and valuation.

Volatility & Risk

Tuya has a beta of 0.43, meaning that its stock price is 57% less volatile than the S&P 500. Comparatively, BILL has a beta of 1.2, meaning that its stock price is 20% more volatile than the S&P 500.

Valuation and Earnings

This table compares Tuya 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
Tuya	$321.79 million	3.05	$57.89 million	$0.10	18.05
BILL	$1.46 billion	2.45	$23.80 million	($0.01)	-3,596.40

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

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Tuya	19.10%	6.20%	5.53%
BILL	0.01%	2.40%	0.91%

Institutional & Insider Ownership

11.5% of Tuya shares are held by institutional investors. Comparatively, 98.0% of BILL shares are held by institutional investors. 2.1% of Tuya shares are held by company insiders. Comparatively, 13.2% of BILL shares are held by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company is poised for long-term growth.

Analyst Ratings

This is a breakdown of current ratings and recommmendations for Tuya and BILL, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Tuya	0	1	1	0	2.50
BILL	1	10	12	1	2.54

Tuya presently has a consensus target price of $3.69, indicating a potential upside of 104.43%. BILL has a consensus target price of $55.19, indicating a potential upside of 53.46%. Given Tuya’s higher possible upside, equities research analysts clearly believe Tuya is more favorable than BILL.

Summary

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

About Tuya

Tuya Inc. offers purpose-built Internet of Things (IoT) cloud development platform in the People's Republic of China and internationally. The company provides platform-as-a-service that enables business, original equipment manufacturers, brands, and developers to develop, launch, manage, and monetize software-enabled smart devices and services; and industry software-as-a-service, which enables businesses to deploy, connect, and manage various types of smart devices. It also offers cloud-based software value-added services that provides end users with smart features, such as cloud storage; and Cube Smart Private Cloud Solution which enables conglomerates to build their own autonomous and controllable IoT platforms; and could-based services to businesses, developers, and end users to develop and manage IoT experiences. In addition, the company provides smart solutions for IoT devices that integrates software capabilities; and enables developers to activate an IoT ecosystem of brands, OEMs, partners, and end users to engage and communicate through a range of smart devices, as well as sells finished smart devices. It offers its solutions to smart home, smart business, renewable energy, education, agriculture, outdoors and sport, and entertainment industries. The company was incorporated in 2014 and is based in Hangzhou, the People's Republic of China.

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.