Head-To-Head Analysis: Repay (NASDAQ:RPAY) and Treasure Global (NASDAQ:TGL)

Treasure Global (NASDAQ:TGL) and Repay (NASDAQ:RPAY) are both small-cap retail/wholesale companies, but which is the superior business? We will compare the two businesses based on the strength of their profitability, institutional ownership, earnings, valuation, dividends, analyst recommendations and risk.

Risk and Volatility

Treasure Global has a beta of 2.61, meaning that its stock price is 161% more volatile than the S&P 500. Comparatively, Repay has a beta of 1.43, meaning that its stock price is 43% more volatile than the S&P 500.

Valuation & Earnings

This table compares Treasure Global and Repay”s gross revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Treasure Global	$8.81 million	0.28	-$6.59 million	N/A	N/A
Repay	$310.76 million	2.45	-$110.49 million	($0.87)	-8.95

Treasure Global has higher earnings, but lower revenue than Repay.

Institutional and Insider Ownership

82.7% of Repay shares are owned by institutional investors. 4.0% of Treasure Global shares are owned by company insiders. Comparatively, 11.0% of Repay shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock will outperform the market over the long term.

Profitability

This table compares Treasure Global and Repay’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Treasure Global	-61.36%	-131.73%	-105.59%
Repay	-25.53%	8.73%	4.65%

Analyst Recommendations

This is a breakdown of recent recommendations and price targets for Treasure Global and Repay, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Treasure Global	0	0	0	0	0.00
Repay	0	1	5	0	2.83

Repay has a consensus price target of $12.83, suggesting a potential upside of 64.74%. Given Repay’s stronger consensus rating and higher possible upside, analysts plainly believe Repay is more favorable than Treasure Global.

Summary

Repay beats Treasure Global on 10 of the 12 factors compared between the two stocks.

About Treasure Global

Treasure Global Inc. offers e-commerce activities through its platform. Its platform provides consumers and merchants instant rebates and affiliate cashback programs, while providing a seamless e-payment solution with rebates in both e-commerce and physical retailers/merchant settings. The company offers ZCITY App, a payment gateway platform. Treasure Global Inc. was incorporated in 2020 and is based in New York, New York.

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.