PAR Technology (NYSE:PAR – Get Free Report) and Expensify (NASDAQ:EXFY – Get Free Report) are both small-cap business services companies, but which is the better stock? We will compare the two companies based on the strength of their institutional ownership, analyst recommendations, valuation, profitability, dividends, earnings and risk.
Earnings and Valuation
This table compares PAR Technology and Expensify”s revenue, earnings per share and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| PAR Technology | $455.55 million | 1.72 | -$84.46 million | ($1.87) | -10.17 |
| Expensify | $142.10 million | 1.01 | -$21.39 million | ($0.23) | -7.39 |
Volatility & Risk
PAR Technology has a beta of 1.32, indicating that its share price is 32% more volatile than the S&P 500. Comparatively, Expensify has a beta of 1.68, indicating that its share price is 68% more volatile than the S&P 500.
Insider and Institutional Ownership
68.4% of Expensify shares are held by institutional investors. 2.3% of PAR Technology shares are held by company insiders. Comparatively, 11.7% of Expensify shares are held by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock is poised for long-term growth.
Profitability
This table compares PAR Technology and Expensify’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| PAR Technology | -16.04% | -2.57% | -1.56% |
| Expensify | -14.68% | -15.26% | -10.96% |
Analyst Ratings
This is a summary of recent recommendations and price targets for PAR Technology and Expensify, as provided by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| PAR Technology | 1 | 2 | 5 | 0 | 2.50 |
| Expensify | 1 | 1 | 0 | 0 | 1.50 |
PAR Technology currently has a consensus target price of $25.89, suggesting a potential upside of 36.18%. Expensify has a consensus target price of $2.50, suggesting a potential upside of 47.06%. Given Expensify’s higher probable upside, analysts clearly believe Expensify is more favorable than PAR Technology.
Summary
Expensify beats PAR Technology on 8 of the 14 factors compared between the two stocks.
About PAR Technology
PAR Technology Corporation, together with its subsidiaries, provides omnichannel cloud-based hardware and software solutions to the restaurant and retail industries worldwide. The Restaurant/Retail segment offers PUNCHH, an enterprise-grade customer loyalty and engagement solution; MENU, an eCommerce platform for restaurant brands; BRINK POS, an open cloud, point-of-sale solution; PAR PAYMENT SERVICES, a merchant services business that enables electronic payment and processing services for businesses; and DATA CENTRAL, a back-office solution that leverages business intelligence and automation technologies. This segment also offers Point-of-Sale Hardware; wireless headsets for drive-thru order-taking; and kitchen display systems, payment devices, cash drawers, printers, and other peripherals. In addition, this segment provides services, such as hardware repair, installation and implementation, training, and on-site and technical support services. The Government segment provides intelligence, surveillance, and reconnaissance solutions; mission systems operations and maintenance, and commercial software products; systems engineering support and software-based solutions; satellite and teleport facility operation and maintenance, engineering, and installation services comprising inside and outside plant services, and maintenance of infrastructure and information systems; satellite ground system support comprising operations and maintenance, sustainment, upgrades, communications security management, anomaly response/resolution, process improvement, emergency response, and disaster recovery services; and information technology infrastructure library services to the United States Department of Defense, intelligence community (IC), and other federal agencies. This segment also offers various IC support services, systems integration, situational awareness solutions, and mission readiness support services. The company was founded in 1968 and is based in New Hartford, New York.
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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