Head-To-Head Review: Medical Cannabis Payment Solutions (OTCMKTS:REFG) and XBP Global (NASDAQ:XBP)

XBP Global (NASDAQ:XBP) and Medical Cannabis Payment Solutions (OTCMKTS:REFG) are both business services companies, but which is the better stock? We will compare the two businesses based on the strength of their risk, earnings, valuation, profitability, dividends, institutional ownership and analyst recommendations.

Analyst Recommendations

This is a summary of recent ratings and price targets for XBP Global and Medical Cannabis Payment Solutions, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
XBP Global	1	0	0	0	1.00
Medical Cannabis Payment Solutions	0	0	0	0	0.00

Valuation & Earnings

This table compares XBP Global and Medical Cannabis Payment Solutions”s top-line revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
XBP Global	$142.77 million	0.44	-$12.37 million	($0.26)	-2.07
Medical Cannabis Payment Solutions	N/A	N/A	-$30,000.00	N/A	N/A

Medical Cannabis Payment Solutions has lower revenue, but higher earnings than XBP Global.

Risk and Volatility

XBP Global has a beta of -0.38, suggesting that its share price is 138% less volatile than the S&P 500. Comparatively, Medical Cannabis Payment Solutions has a beta of -0.46, suggesting that its share price is 146% less volatile than the S&P 500.

Profitability

This table compares XBP Global and Medical Cannabis Payment Solutions’ net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
XBP Global	-11.24%	N/A	-9.62%
Medical Cannabis Payment Solutions	N/A	N/A	N/A

Institutional and Insider Ownership

15.7% of XBP Global shares are owned by institutional investors. 10.5% of XBP Global shares are owned by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock will outperform the market over the long term.

Summary

XBP Global beats Medical Cannabis Payment Solutions on 5 of the 8 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 Medical Cannabis Payment Solutions

Medical Cannabis Payment Solutions, Inc. develops and markets a payment system for medical cannabis transactions. Its solution assists in the state tracking of sales, collection of tax, and supervision of sales to consumers. The company was incorporated in 2013 and is based in Cheyenne, Wyoming. On August 12, 2024, Medical Cannabis Payment Solutions, Inc. filed a voluntary petition for liquidation under Chapter 7 in the U.S. Bankruptcy Court for the Western District of Pennsylvania.