SHF (NASDAQ:SHFS – Get Free Report) and Nayax (NASDAQ:NYAX – Get Free Report) are both small-cap finance companies, but which is the superior stock? We will compare the two businesses based on the strength of their institutional ownership, dividends, profitability, analyst recommendations, valuation, earnings and risk.
Institutional and Insider Ownership
29.2% of SHF shares are owned by institutional investors. Comparatively, 34.9% of Nayax shares are owned by institutional investors. 5.8% of SHF shares are owned by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock is poised for long-term growth.
Risk and Volatility
SHF has a beta of 0.87, indicating that its stock price is 13% less volatile than the S&P 500. Comparatively, Nayax has a beta of 0.46, indicating that its stock price is 54% less volatile than the S&P 500.
Analyst Recommendations
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| SHF | 1 | 0 | 0 | 0 | 1.00 |
| Nayax | 1 | 3 | 3 | 1 | 2.50 |
Nayax has a consensus target price of $73.46, indicating a potential upside of 61.10%. Given Nayax’s stronger consensus rating and higher probable upside, analysts plainly believe Nayax is more favorable than SHF.
Profitability
This table compares SHF and Nayax’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| SHF | -47.33% | -90.25% | -41.71% |
| Nayax | 1.74% | 10.45% | 2.92% |
Earnings and Valuation
This table compares SHF and Nayax”s top-line revenue, earnings per share (EPS) and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| SHF | $7.67 million | 0.03 | -$2.16 million | ($11.88) | -0.04 |
| Nayax | $400.43 million | 4.17 | $35.52 million | $0.21 | 217.14 |
Nayax has higher revenue and earnings than SHF. SHF is trading at a lower price-to-earnings ratio than Nayax, indicating that it is currently the more affordable of the two stocks.
Summary
Nayax beats SHF on 13 of the 15 factors compared between the two stocks.
About SHF
SHF Holdings, Inc., through its subsidiaries, provides access to banking, lending, and other financial services to financial institutions serving the cannabis industry. The company, through its proprietary platform, offers access to business checking and savings accounts, cash management accounts, savings and investment options, commercial lending, courier services, remote deposit services, automated clearing house payments and origination, and wire payments. Its services allow cannabis related businesses to obtain services from financial institutions that allow them to run their business with enhanced financial insight into their business and access to resources. The company was founded in 2015 and is based in Golden, Colorado. SHF Holdings, Inc. operates as a subsidiary of Partner Colorado Credit Union.
About Nayax
Nayax Ltd., a fintech company, operates system and payment platform for multiple retailers in the United States, Europe, the United Kingdom, Australia, Israel, and rest of the world. The company offers AMIT 3.0, a machine-to-machine vending telemetry solution; Nayax Core, a management and monitoring software for vending machines and other unattended machines; MoMa, a mobile app for unattended machine; Tigapo back-office software suite, a cloud-based platform; EV Core, a smart, cloud-based management platform; Retail Management Cloud, a comprehensive attended retail management platform; Loyalty and Marketing Suite, a consumer engagement marketing and loyalty platform; Monyx Wallet, a digital wallet app enabling cashless payments with mobile phones; Weezmo, a consumer engagement and marketing platform; and Tigapo app, a proprietary mobile app to help family entertainment center businesses. It provides electric vehicle charging stations; VPOS Touch, a credit card reader cashless payment device; VPOS Fusion, a cashless payment card reader; ONYX, a contactless card reader and telemetry device; NOVA 156, an electronic cash register; DOT, a smart QR and barcode reader; UNO Plus and UNO 8, which are EMV and FeliCa contactless readers; EMV SOM, a PCI-PTS ready contactless EMV reader module; Nova Market, a cashless micro market and self-checkout solution; NOVA 55, an a handheld smart point of sale (POS) device; NOVA 45, a handheld mini smart terminals for attended POS; and Retail One, a universal retail solution that integrates directly with SAP. The company sells its products directly, as well as through resellers and distributors. It serves various verticals, including vending machines, coffee machines, unattended checkout counters, self-service kiosks, ticketing machines, car wash stations, gaming machines, amusement rides, laundromats, and EV charging stations. Nayax Ltd. was incorporated in 2005 and is headquartered in Herzliya, Israel.
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