BILL (NYSE:BILL) versus ReposiTrak (NYSE:TRAK) Critical Contrast

ReposiTrak (NYSE:TRAK) and BILL (NYSE:BILL) are both technology companies, but which is the superior stock? We will contrast the two companies based on the strength of their earnings, profitability, analyst recommendations, dividends, institutional ownership, valuation and risk.

Analyst Recommendations

This is a breakdown of recent recommendations for ReposiTrak and BILL, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
ReposiTrak	0	1	0	0	2.00
BILL	1	7	11	1	2.60

BILL has a consensus price target of $58.67, suggesting a potential upside of 31.92%. Given BILL’s stronger consensus rating and higher possible upside, analysts clearly believe BILL is more favorable than ReposiTrak.

Valuation and Earnings

This table compares ReposiTrak and BILL”s revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
ReposiTrak	$23.29 million	6.31	$7.57 million	$0.39	20.72
BILL	$1.65 billion	2.29	-$11.24 million	($0.13)	-342.09

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

Volatility & Risk

ReposiTrak has a beta of 0.84, suggesting that its stock price is 16% less volatile than the S&P 500. Comparatively, BILL has a beta of 1.13, suggesting that its stock price is 13% more volatile than the S&P 500.

Profitability

This table compares ReposiTrak and BILL’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
ReposiTrak	32.51%	14.94%	13.16%
BILL	-0.68%	3.74%	1.39%

Institutional & Insider Ownership

27.4% of ReposiTrak shares are owned by institutional investors. Comparatively, 98.0% of BILL shares are owned by institutional investors. 41.0% of ReposiTrak shares are owned by company insiders. Comparatively, 13.2% of BILL shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock will outperform the market over the long term.

Summary

ReposiTrak beats BILL on 8 of the 15 factors compared between the two stocks.

About ReposiTrak

Park City Group, Inc., a software-as-a-service provider, designs, develops, and markets proprietary software products in North America. The company offers ReposiTrak MarketPlace, a supplier discovery and B2B e-commerce solution; ReposiTrak Compliance and Food Safety solutions, which reduces potential regulatory and legal risk from their supply chain partners; and ReposiTrak Supply Chain solutions that enables customers to manage relationships with suppliers. It also provides ScoreTracker, Vendor Managed Inventory, Store Level Ordering and Replenishment, Enterprise Supply Chain Planning, Fresh Market Manager, and ActionManager supply chain solutions to manage inventory, product mix, and labor. In addition, the company offers business-consulting services to suppliers and retailers in the grocery, convenience store, and specialty retail industries, as well as professional consulting services. It primarily serves multi-store retail chains, wholesalers and distributors, and their suppliers. The company is headquartered in Murray, Utah.

About BILL

BILL Holdings, Inc. provides financial automation software for small and midsize businesses worldwide. The company provides software-as-a-service, cloud-based payments, and spend management products, which allow users to automate accounts payable and accounts receivable transactions, as well as enable users to connect with their suppliers and/or customers to do business, eliminate expense reports, manage cash flows, and improve office efficiency. It also offers onboarding implementation support, and ongoing support and training services. In addition, the company's artificial intelligence enabled software provides connections between suppliers and clients. It serves accounting firms, financial institutions, and software companies. The company was formerly known as Bill.com Holdings, Inc. and changed its name to BILL Holdings, Inc. in February 2023. BILL Holdings, Inc. was incorporated in 2006 and is headquartered in San Jose, California.