Expensify (NASDAQ:EXFY) versus PAR Technology (NYSE:PAR) Head to Head Analysis

Expensify (NASDAQ:EXFY) and PAR Technology (NYSE:PAR) are both small-cap business services companies, but which is the better business? We will contrast the two businesses based on the strength of their valuation, earnings, dividends, institutional ownership, analyst recommendations, risk and profitability.

Profitability

This table compares Expensify and PAR Technology’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Expensify	-14.68%	-15.26%	-10.96%
PAR Technology	-16.04%	-2.57%	-1.56%

Volatility and Risk

Expensify has a beta of 1.68, suggesting that its share price is 68% more volatile than the S&P 500. Comparatively, PAR Technology has a beta of 1.32, suggesting that its share price is 32% more volatile than the S&P 500.

Earnings and Valuation

This table compares Expensify and PAR Technology”s top-line revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Expensify	$142.10 million	1.01	-$21.39 million	($0.23)	-7.39
PAR Technology	$455.55 million	1.72	-$84.46 million	($1.87)	-10.17

Expensify has higher earnings, but lower revenue than PAR Technology. PAR Technology is trading at a lower price-to-earnings ratio than Expensify, indicating that it is currently the more affordable of the two stocks.

Institutional & Insider Ownership

68.4% of Expensify shares are held by institutional investors. 11.7% of Expensify shares are held by insiders. Comparatively, 2.3% of PAR Technology shares are held by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company will outperform the market over the long term.

Analyst Recommendations

This is a summary of current ratings and target prices for Expensify and PAR Technology, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Expensify	1	1	0	0	1.50
PAR Technology	1	2	5	0	2.50

Expensify currently has a consensus target price of $2.50, suggesting a potential upside of 47.06%. PAR Technology has a consensus target price of $25.89, suggesting a potential upside of 36.18%. Given Expensify’s higher possible upside, equities 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 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.

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.