Repay (NASDAQ:RPAY – Get Free Report) and Worldline (OTCMKTS:WWLNF – Get Free Report) are both small-cap business services companies, but which is the better stock? We will contrast the two businesses based on the strength of their earnings, valuation, risk, institutional ownership, profitability, analyst recommendations and dividends.
Valuation & Earnings
This table compares Repay and Worldline”s gross revenue, earnings per share (EPS) and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Repay | $309.26 million | 1.04 | -$256.72 million | ($3.06) | -1.10 |
| Worldline | $4.56 billion | 0.02 | -$5.83 billion | N/A | N/A |
Institutional and Insider Ownership
82.7% of Repay shares are held by institutional investors. 12.0% of Repay shares are held by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company is poised for long-term growth.
Profitability
This table compares Repay and Worldline’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Repay | -82.73% | 10.45% | 4.56% |
| Worldline | N/A | N/A | N/A |
Analyst Ratings
This is a summary of current ratings for Repay and Worldline, as reported by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Repay | 1 | 4 | 3 | 0 | 2.25 |
| Worldline | 1 | 1 | 0 | 0 | 1.50 |
Repay presently has a consensus target price of $5.32, indicating a potential upside of 57.44%. Given Repay’s stronger consensus rating and higher possible upside, equities research analysts clearly believe Repay is more favorable than Worldline.
Risk & Volatility
Repay has a beta of 1.86, suggesting that its stock price is 86% more volatile than the S&P 500. Comparatively, Worldline has a beta of 1.55, suggesting that its stock price is 55% more volatile than the S&P 500.
Summary
Repay beats Worldline on 10 of the 12 factors compared between the two stocks.
About Repay
Repay Holdings Corporation, payments technology company, provides integrated payment processing solutions to industry-oriented markets in the United States. It operates through two segments: Consumer Payments and Business Payments. The company's payment processing solutions enable consumers and businesses to make payments using electronic payment methods. It also offers a range of solutions relating to electronic payment methods, including credit and debit card processing, automated clearing house (ACH) processing, e-cash, and digital wallet services; virtual credit card processing, enhanced ACH processing, instant funding, clearing and settlement, and communication solutions; and proprietary payment channels that include Web-based, virtual terminal, online client portal, mobile application, text-to-pay, interactive voice response, and point of sale services. It serves customers primarily operating in the personal loans, automotive loans, receivables management, and business-to-business verticals through direct sales representatives and software integration partners. The company was founded in 2006 and is headquartered in Atlanta, Georgia.
About Worldline
Worldline SA provides payments and transactional services to financial institutions, merchants, corporations, and government agencies in Northern Europe, Central and Eastern Europe, Southern Europe, and internationally. The company operates through Merchant Services; Financial Services; and Mobility & e-Transactional Services segments. The Merchant Services segment offers commercial acquiring, terminal, omnichannel payment acceptance, and digital retail services. The Financial Services segment provides issuing processing, acquiring processing, digital banking, and account payments services. The Mobility & e-Transactional Services segment offers trusted digitization, e-ticketing, and e-consumer and mobility. The company was formerly known as Atos Worldline S.A.S. and changed its name to Worldline SA in April 2014. Worldline SA was founded in 1973 and is headquartered in Puteaux, France.
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