XBP Global (NASDAQ:XBP – Get Free Report) and Expensify (NASDAQ:EXFY – Get Free Report) are both small-cap industrials companies, but which is the better business? We will contrast the two companies based on the strength of their institutional ownership, dividends, valuation, earnings, risk, analyst recommendations and profitability.
Profitability
This table compares XBP Global and Expensify’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| XBP Global | 130.26% | 1,645.47% | 146.77% |
| Expensify | -14.68% | -15.26% | -10.96% |
Analyst Ratings
This is a breakdown of recent recommendations and price targets for XBP Global and Expensify, as reported by MarketBeat.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| XBP Global | 1 | 0 | 1 | 0 | 2.00 |
| Expensify | 1 | 1 | 0 | 0 | 1.50 |
Institutional & Insider Ownership
15.7% of XBP Global shares are owned by institutional investors. Comparatively, 68.4% of Expensify shares are owned by institutional investors. 31.4% of XBP Global shares are owned by insiders. Comparatively, 11.7% of Expensify shares are owned by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company is poised for long-term growth.
Volatility & Risk
XBP Global has a beta of -0.45, indicating that its share price is 145% less volatile than the S&P 500. Comparatively, Expensify has a beta of 1.67, indicating that its share price is 67% more volatile than the S&P 500.
Valuation and Earnings
This table compares XBP Global and Expensify”s gross revenue, earnings per share (EPS) and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| XBP Global | $791.04 million | 0.04 | $1.10 billion | ($3.28) | -0.91 |
| Expensify | $142.10 million | 1.14 | -$21.39 million | ($0.23) | -8.39 |
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 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.
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.
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