CURRENC Group (NASDAQ:CURR) & Fiserv (NYSE:FI) Financial Analysis

CURRENC Group (NASDAQ:CURR) and Fiserv (NYSE:FI) are both companies, but which is the superior investment? We will contrast the two companies based on the strength of their earnings, risk, profitability, valuation, dividends, institutional ownership and analyst recommendations.

Analyst Recommendations

This is a breakdown of current ratings and recommmendations for CURRENC Group and Fiserv, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
CURRENC Group	0	0	1	1	3.50
Fiserv	2	1	21	2	2.88

CURRENC Group presently has a consensus price target of $3.50, indicating a potential upside of 215.32%. Fiserv has a consensus price target of $230.00, indicating a potential upside of 20.42%. Given CURRENC Group’s stronger consensus rating and higher probable upside, equities research analysts plainly believe CURRENC Group is more favorable than Fiserv.

Insider & Institutional Ownership

56.0% of CURRENC Group shares are held by institutional investors. Comparatively, 91.0% of Fiserv shares are held by institutional investors. 17.8% of CURRENC Group shares are held by insiders. Comparatively, 0.7% of Fiserv shares are held by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company is poised for long-term growth.

Earnings & Valuation

This table compares CURRENC Group and Fiserv”s top-line revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
CURRENC Group	$46.44 million	1.11	N/A	N/A	N/A
Fiserv	$383.42 million	276.19	$3.13 billion	$5.66	33.75

Fiserv has higher revenue and earnings than CURRENC Group.

Profitability

This table compares CURRENC Group and Fiserv’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
CURRENC Group	N/A	N/A	N/A
Fiserv	15.31%	17.93%	5.97%

Volatility & Risk

CURRENC Group has a beta of -0.17, suggesting that its share price is 117% less volatile than the S&P 500. Comparatively, Fiserv has a beta of 0.97, suggesting that its share price is 3% less volatile than the S&P 500.

Summary

Fiserv beats CURRENC Group on 9 of the 12 factors compared between the two stocks.

About CURRENC Group

Currenc Group, Inc. engages in operating a fintech banking platform. It operates through the following segments: Remittance Services, Sales of Airtime, and Other Services. The company is headquartered in Singapore.

About Fiserv

Fiserv, Inc., together with its subsidiaries, provides payments and financial services technology services in the United States, Europe, the Middle East and Africa, Latin America, the Asia-Pacific, and internationally. It operates through Merchant Acceptance, Financial Technology, and Payments and Network segments. The Merchant Acceptance segment provides merchant acquiring and digital commerce services; mobile payment services; security and fraud protection products; Clover, a cloud based POS and integrated commerce operating system for small and mid-sized businesses and independent software vendors; and Carat, an integrated operating system for large businesses. This segment distributes through various channels, including direct sales teams, strategic partnerships with agent sales forces, independent software vendors, financial institutions, and other strategic partners in the form of joint venture alliances, revenue sharing alliances, and referral agreement. The Financial Technology segment offers customer deposit and loan accounts, as well as manages an institution's general ledger and central information files. This segment also provides digital banking, financial and risk management, professional services and consulting, check processing, and other products and services. The Payments and Network segment offers card transactions, such as debit, credit, and prepaid card processing and services; funds access, debit payments, cardless ATM access, and surcharge-free ATM network; security and fraud protection products; card production; print services; and various network services, as well as non-card digital payment software and services, including bill payment, account-to-account transfers, person-to-person payments, electronic billing, and security and fraud protection products. It serves merchants, banks, credit unions, other financial institutions, and corporate clients. Fiserv, Inc. was incorporated in 1984 and is headquartered in Milwaukee, Wisconsin.