RTB Digital, Inc. Common Stock (NASDAQ:RTB – Get Free Report) and Paysign (NASDAQ:PAYS – Get Free Report) are both small-cap business services companies, but which is the superior stock? We will compare the two companies based on the strength of their dividends, earnings, risk, valuation, analyst recommendations, profitability and institutional ownership.
Profitability
This table compares RTB Digital, Inc. Common Stock and Paysign’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| RTB Digital, Inc. Common Stock | -165.69% | N/A | -100.25% |
| Paysign | 11.38% | 21.74% | 4.19% |
Risk and Volatility
RTB Digital, Inc. Common Stock has a beta of 2.6, meaning that its share price is 160% more volatile than the S&P 500. Comparatively, Paysign has a beta of 0.73, meaning that its share price is 27% less volatile than the S&P 500.
Analyst Ratings
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| RTB Digital, Inc. Common Stock | 1 | 1 | 0 | 0 | 1.50 |
| Paysign | 0 | 0 | 3 | 0 | 3.00 |
Paysign has a consensus target price of $10.00, indicating a potential upside of 16.74%. Given Paysign’s stronger consensus rating and higher possible upside, analysts plainly believe Paysign is more favorable than RTB Digital, Inc. Common Stock.
Valuation & Earnings
This table compares RTB Digital, Inc. Common Stock and Paysign”s revenue, earnings per share and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| RTB Digital, Inc. Common Stock | $11.13 million | 1.70 | -$17.53 million | ($26.23) | -0.56 |
| Paysign | $82.03 million | 5.84 | $7.55 million | $0.17 | 50.39 |
Paysign has higher revenue and earnings than RTB Digital, Inc. Common Stock. RTB Digital, Inc. Common Stock is trading at a lower price-to-earnings ratio than Paysign, indicating that it is currently the more affordable of the two stocks.
Institutional and Insider Ownership
17.4% of RTB Digital, Inc. Common Stock shares are owned by institutional investors. Comparatively, 25.9% of Paysign shares are owned by institutional investors. 12.4% of RTB Digital, Inc. Common Stock shares are owned by insiders. Comparatively, 24.5% of Paysign shares are owned by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company is poised for long-term growth.
Summary
Paysign beats RTB Digital, Inc. Common Stock on 13 of the 14 factors compared between the two stocks.
About RTB Digital, Inc. Common Stock
Ryvyl Inc., a technology company, engages in the development, marketing, and sale of blockchain-based payment solutions in North America, Europe, and Asia. The company's blockchain-based systems facilitate, record, and store a volume of tokenized assets representing cash or data on a blockchain-based ledger. Its products include QuickCard Payment System, a physical and virtual payment card processing management system, including software that facilitates on and off ramp e-wallet management; Coyni, a digital token platform, which offers custodial assurance by utilizing its stable coin and blockchain technology in a closed-loop ecosystem; and ChargeSavvy, an end-to-end POS solution comprising software and hardware for the restaurant and hospitality industry. It serves customers in various industries, including foreign exchange, retail, and e-commerce sectors. The company was formerly known as GreenBox POS and changed its name to Ryvyl Inc. in October 2022. Ryvyl Inc. is based in San Diego, California.
About Paysign
Paysign, Inc. provides prepaid card programs, comprehensive patient affordability offerings, digital banking services, and integrated payment processing services for businesses, consumers, and government institutions. Its product offerings include solutions for corporate rewards, prepaid gift cards, general purpose reloadable debit cards, employee incentives, consumer rebates, donor compensation, clinical trials, healthcare reimbursement payments and pharmaceutical payment assistance, and demand deposit accounts accessible with a debit card. The company markets its prepaid card solutions under the Paysign brand. Its primary market focus is on companies and municipalities that require a streamlined payment solution for rewards, rebates, payment assistance, and other payments to their customers, employees, agents, and others. The company was formerly known as 3PEA International, Inc. and changed its name to Paysign, Inc. in April 2019. Paysign, Inc. was incorporated in 1995 and is headquartered in Henderson, Nevada.
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