Cosmos Group (OTCMKTS:COSG) vs. Repay (NASDAQ:RPAY) Financial Survey

Repay (NASDAQ:RPAY) and Cosmos Group (OTCMKTS:COSG) are both small-cap finance companies, but which is the superior investment? We will compare the two companies based on the strength of their dividends, earnings, profitability, analyst recommendations, risk, institutional ownership and valuation.

Earnings and Valuation

This table compares Repay and Cosmos Group”s top-line revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Repay	$309.26 million	1.23	-$256.72 million	($2.04)	-1.97
Cosmos Group	$20,000.00	91.90	-$150,000.00	($0.03)	-2.00

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

Insider & Institutional Ownership

82.7% of Repay shares are owned by institutional investors. 12.0% of Repay shares are owned by insiders. Comparatively, 0.4% of Cosmos Group shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock will outperform the market over the long term.

Analyst Recommendations

This is a breakdown of recent recommendations and price targets for Repay and Cosmos Group, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Repay	1	3	3	0	2.29
Cosmos Group	0	0	0	0	0.00

Repay currently has a consensus target price of $5.25, suggesting a potential upside of 30.92%. Given Repay’s stronger consensus rating and higher possible upside, analysts clearly believe Repay is more favorable than Cosmos Group.

Risk and Volatility

Repay has a beta of 1.83, meaning that its share price is 83% more volatile than the S&P 500. Comparatively, Cosmos Group has a beta of -145.49, meaning that its share price is 14,649% less volatile than the S&P 500.

Profitability

This table compares Repay and Cosmos Group’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Repay	-49.57%	11.03%	4.28%
Cosmos Group	N/A	N/A	N/A

Summary

Repay beats Cosmos Group on 10 of the 14 factors compared between the two stocks.

About Repay

Repay Holdings Corporation, payments technology company, provides integrated payment processing solutions to industry-oriented markets in the United States. It operates through two segments: Consumer Payments and Business Payments. The company's payment processing solutions enable consumers and businesses to make payments using electronic payment methods. It also offers a range of solutions relating to electronic payment methods, including credit and debit card processing, automated clearing house (ACH) processing, e-cash, and digital wallet services; virtual credit card processing, enhanced ACH processing, instant funding, clearing and settlement, and communication solutions; and proprietary payment channels that include Web-based, virtual terminal, online client portal, mobile application, text-to-pay, interactive voice response, and point of sale services. It serves customers primarily operating in the personal loans, automotive loans, receivables management, and business-to-business verticals through direct sales representatives and software integration partners. The company was founded in 2006 and is headquartered in Atlanta, Georgia.

About Cosmos Group

Cosmos Group Holdings Inc. focuses on the physical artworks and collectibles business in Hong Kong and internationally. It operates online platform to sell and distribute the arts and collectibles to end-users with the use of blockchain technologies and minting tokens. The company is based in Singapore.