Head-To-Head Contrast: Fiserv (NYSE:FI) and Medical Cannabis Payment Solutions (OTCMKTS:REFG)

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

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Fiserv	16.00%	19.69%	6.69%
Medical Cannabis Payment Solutions	N/A	N/A	N/A

Institutional and Insider Ownership

91.0% of Fiserv shares are owned by institutional investors. 0.8% of Fiserv shares are owned by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company will outperform the market over the long term.

Valuation & Earnings

This table compares Fiserv 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
Fiserv	$20.46 billion	3.32	$3.13 billion	$5.99	20.89
Medical Cannabis Payment Solutions	N/A	N/A	-$30,000.00	N/A	N/A

Fiserv has higher revenue and earnings than Medical Cannabis Payment Solutions.

Volatility & Risk

Fiserv has a beta of 0.95, suggesting that its share price is 5% less volatile than the S&P 500. Comparatively, Medical Cannabis Payment Solutions has a beta of -0.45, suggesting that its share price is 145% less volatile than the S&P 500.

Analyst Ratings

This is a summary of current ratings and recommmendations for Fiserv and Medical Cannabis Payment Solutions, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Fiserv	1	6	19	2	2.79
Medical Cannabis Payment Solutions	0	0	0	0	0.00

Fiserv currently has a consensus price target of $181.89, indicating a potential upside of 45.38%. Given Fiserv’s stronger consensus rating and higher possible upside, equities analysts plainly believe Fiserv is more favorable than Medical Cannabis Payment Solutions.

Summary

Fiserv beats Medical Cannabis Payment Solutions on 12 of the 12 factors compared between the two stocks.

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.

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.