Expensify (NASDAQ:EXFY) & Shift4 Payments (NYSE:FOUR) Head to Head Survey

Expensify (NASDAQ:EXFY) and Shift4 Payments (NYSE:FOUR) are both business services companies, but which is the better business? We will contrast the two companies based on the strength of their valuation, profitability, risk, analyst recommendations, dividends, earnings and institutional ownership.

Earnings and Valuation

This table compares Expensify and Shift4 Payments”s top-line revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Expensify	$144.25 million	0.93	-$10.06 million	($0.16)	-10.38
Shift4 Payments	$3.33 billion	2.02	$229.60 million	$2.70	28.15

Shift4 Payments has higher revenue and earnings than Expensify. Expensify is trading at a lower price-to-earnings ratio than Shift4 Payments, indicating that it is currently the more affordable of the two stocks.

Risk and Volatility

Expensify has a beta of 1.71, suggesting that its share price is 71% more volatile than the S&P 500. Comparatively, Shift4 Payments has a beta of 1.69, suggesting that its share price is 69% more volatile than the S&P 500.

Analyst Recommendations

This is a breakdown of recent ratings and recommmendations for Expensify and Shift4 Payments, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Expensify	1	2	2	0	2.20
Shift4 Payments	0	5	16	2	2.87

Expensify presently has a consensus target price of $4.00, indicating a potential upside of 140.96%. Shift4 Payments has a consensus target price of $111.50, indicating a potential upside of 46.69%. Given Expensify’s higher possible upside, research analysts clearly believe Expensify is more favorable than Shift4 Payments.

Profitability

This table compares Expensify and Shift4 Payments’ net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Expensify	-10.72%	-12.02%	-8.52%
Shift4 Payments	6.11%	37.05%	6.88%

Insider & Institutional Ownership

68.4% of Expensify shares are owned by institutional investors. Comparatively, 98.9% of Shift4 Payments shares are owned by institutional investors. 12.3% of Expensify shares are owned by company insiders. Comparatively, 25.2% of Shift4 Payments shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock is poised for long-term growth.

Summary

Shift4 Payments beats Expensify on 13 of the 15 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 Shift4 Payments

Shift4 Payments, Inc. (NYSE FOUR) provides integrated payment processing and technology solutions in the United States. Its payments platform provides omni-channel card acceptance and processing solutions, including end-to-end payment processing for various payment types; merchant acquiring; proprietary omni-channel gateway; complementary software integrations; integrated and mobile point-of-sale (POS) solutions; security and risk management solutions; and reporting and analytical tools, as well as tokenization, risk management/underwriting, payment device and chargeback management, fraud prevention, and gift card solutions. The company also offers suite of technology solutions, such as Lighthouse, a cloud-based business intelligence tool that includes customer engagement, social media management, online reputation management, scheduling, and product pricing, as well as reporting and analytics; integrated POS for merchants business; and Skytab, a mobile payment solution. In addition, it provides marketplace technology that enable seamless integrations into third-party applications, which includes online delivery services, payroll, timekeeping, and other human resource services. Further, the company offers merchant management, training and education, marketing management, and incentives tracking solutions. Additionally, it provides merchant underwriting, onboarding and activation, training, risk management, and support services; and software integrations and compliance management, and partner support and services. The company was founded in 1998 and is headquartered in Allentown, Pennsylvania.