Critical Review: Medical Cannabis Payment Solutions (OTCMKTS:REFG) versus International Money Express (NASDAQ:IMXI)

International Money Express (NASDAQ:IMXI) and Medical Cannabis Payment Solutions (OTCMKTS:REFG) are both small-cap business services companies, but which is the better stock? We will compare the two companies based on the strength of their valuation, profitability, institutional ownership, earnings, dividends, risk and analyst recommendations.

Valuation & Earnings

This table compares International Money Express and Medical Cannabis Payment Solutions”s gross revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
International Money Express	$665.67 million	0.94	$59.51 million	$1.79	11.24
Medical Cannabis Payment Solutions	$140,000.00	0.00	-$30,000.00	N/A	N/A

International Money Express has higher revenue and earnings than Medical Cannabis Payment Solutions.

Institutional and Insider Ownership

86.7% of International Money Express shares are owned by institutional investors. 4.1% of International Money Express shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company will outperform the market over the long term.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
International Money Express	9.15%	46.30%	11.93%
Medical Cannabis Payment Solutions	N/A	N/A	N/A

Analyst Recommendations

This is a summary of current ratings and target prices for International Money Express and Medical Cannabis Payment Solutions, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
International Money Express	0	2	4	0	2.67
Medical Cannabis Payment Solutions	0	0	0	0	0.00

International Money Express presently has a consensus target price of $27.00, suggesting a potential upside of 34.19%. Given International Money Express’ stronger consensus rating and higher probable upside, analysts clearly believe International Money Express is more favorable than Medical Cannabis Payment Solutions.

Volatility and Risk

International Money Express has a beta of 0.89, suggesting that its share price is 11% less volatile than the S&P 500. Comparatively, Medical Cannabis Payment Solutions has a beta of -0.13, suggesting that its share price is 113% less volatile than the S&P 500.

Summary

International Money Express beats Medical Cannabis Payment Solutions on 11 of the 11 factors compared between the two stocks.

About International Money Express

International Money Express, Inc., together with its subsidiaries, operates as an omnichannel money remittance services company in the United States, Latin America, Mexico, Central and South America, the Caribbean, Africa, and Asia. The company offers remittance services, which include a suite of ancillary financial processing solutions and payment services; and online payment options, pre-paid debit cards, and direct deposit payroll cards. It provides services through sending and paying agents and company-operated stores, as well as through online and Internet-enabled mobile devices. International Money Express, Inc. is headquartered in Miami, Florida.

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.