Comparing Temenos Group (OTCMKTS:TMSNY) & LiveRamp (NYSE:RAMP)

Temenos Group (OTCMKTS:TMSNY) and LiveRamp (NYSE:RAMP) are both mid-cap technology companies, but which is the superior business? We will compare the two businesses based on the strength of their analyst recommendations, earnings, dividends, risk, institutional ownership, profitability and valuation.

Volatility and Risk

Temenos Group has a beta of 0.73, indicating that its stock price is 27% less volatile than the S&P 500. Comparatively, LiveRamp has a beta of 1.27, indicating that its stock price is 27% more volatile than the S&P 500.

Valuation & Earnings

This table compares Temenos Group and LiveRamp”s gross revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Temenos Group	$1.09 billion	6.03	$280.61 million	$3.12	30.76
LiveRamp	$832.10 million	2.81	$145.95 million	$2.44	15.78

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

Profitability

This table compares Temenos Group and LiveRamp’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Temenos Group	18.64%	65.48%	12.48%
LiveRamp	18.71%	9.77%	7.41%

Analyst Recommendations

This is a breakdown of current ratings and price targets for Temenos Group and LiveRamp, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Temenos Group	0	2	0	2	3.00
LiveRamp	0	6	2	0	2.25

LiveRamp has a consensus target price of $38.08, indicating a potential downside of 1.08%. Given LiveRamp’s higher possible upside, analysts plainly believe LiveRamp is more favorable than Temenos Group.

Institutional and Insider Ownership

93.8% of LiveRamp shares are owned by institutional investors. 3.3% of LiveRamp shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock will outperform the market over the long term.

Summary

Temenos Group beats LiveRamp on 9 of the 15 factors compared between the two stocks.

About Temenos Group

Temenos AG develops, markets, and sells integrated banking software systems to banking and other financial institutions worldwide. Its Temenos Banking Cloud helps banks to offer open banking services. The company provides Temenos Infinity, a digital banking platform; Temenos Transact, a core banking software for retail, corporate, treasury, wealth, and payments; Temenos Payments, a software-as-a-service payments technology; Temenos Multifonds, a platform for traditional and alternative funds, as well as offers key asset servicing, position keeping, valuation and accounting functions for various structures of pooled vehicles and funds; Temenos Multifonds Navigator, a net asset value shadow, oversight, and contingency solution; and Temenos Quantum, a multi-experience development platform. It also offers Temenos XAI that enables banks to provide individualized customer experiences, drive customer loyalty and profitability, and automate processes; Temenos Financial Crime Mitigation that allows banks and financial institutions to avoid regulatory fines, detect fraud, and mitigate reputational risks; Temenos Analytics, a reporting, analytics, and business intelligence product; Temenos Regulatory Compliance for addressing fraud, remaining compliant with regulations, and managing risks; Temenos Wealth, an integrated portfolio management and securities trading platform for wealth managers and private bankers; and Temenos DataSource, an enterprise data management solution. In addition, it provides various solutions for retail, business, universal, central, Islamic, corporate, and private banking; life and pension; challenger banks and fintechs; wealth management; credit unions; financial inclusion; and asset managers and asset services. The company was formerly known as Temenos Group AG and changed its name to Temenos AG in May 2018. The company was founded in 1993 and is based in Geneva, Switzerland.

About LiveRamp

LiveRamp Holdings, Inc., a technology company, operates a data collaboration platform in the United States, Europe, the Asia-Pacific, and internationally. The company operates LiveRamp Data Collaboration platform enables an organization to unify customer and prospect data to build a single view of the customer in a way that protects consumer privacy. Its platform supports various people-based marketing solutions, including data collaboration, activation, measurement and analytics, identity, and data marketplace. The company sells its solutions to enterprise marketers, agencies, marketing technology providers, publishers, and data providers in various industry verticals, such as financial, insurance and investment services, retail, automotive, telecommunications, high tech, consumer packaged goods, healthcare, travel, entertainment, and non-profit. The company was formerly known as Acxiom Holdings, Inc. and changed its name to LiveRamp Holdings, Inc. in October 2018. The company was incorporated in 2018 and is headquartered in San Francisco, California.