Analyzing NCR Atleos (NYSE:NATL) & Paysign (NASDAQ:PAYS)

Paysign (NASDAQ:PAYS) and NCR Atleos (NYSE:NATL) are both finance companies, but which is the better business? We will contrast the two businesses based on the strength of their earnings, profitability, risk, valuation, analyst recommendations, institutional ownership and dividends.

Volatility & Risk

Paysign has a beta of 0.74, suggesting that its share price is 26% less volatile than the S&P 500. Comparatively, NCR Atleos has a beta of 0.56, suggesting that its share price is 44% less volatile than the S&P 500.

Valuation & Earnings

This table compares Paysign and NCR Atleos”s top-line revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Paysign	$100.64 million	7.02	$7.55 million	$0.26	48.12
NCR Atleos	$4.35 billion	0.78	$162.00 million	$2.58	17.81

NCR Atleos has higher revenue and earnings than Paysign. NCR Atleos is trading at a lower price-to-earnings ratio than Paysign, indicating that it is currently the more affordable of the two stocks.

Analyst Ratings

This is a summary of current recommendations for Paysign and NCR Atleos, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Paysign	0	0	3	0	3.00
NCR Atleos	0	4	1	0	2.20

Paysign presently has a consensus price target of $13.33, suggesting a potential upside of 6.58%. NCR Atleos has a consensus price target of $50.27, suggesting a potential upside of 9.42%. Given NCR Atleos’ higher possible upside, analysts clearly believe NCR Atleos is more favorable than Paysign.

Insider & Institutional Ownership

25.9% of Paysign shares are owned by institutional investors. Comparatively, 88.7% of NCR Atleos shares are owned by institutional investors. 24.5% of Paysign shares are owned by company insiders. Comparatively, 0.6% of NCR Atleos shares are owned by company 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 Paysign and NCR Atleos’ net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Paysign	15.67%	30.13%	5.66%
NCR Atleos	4.44%	83.41%	5.87%

About Paysign

Paysign, Inc. provides prepaid card programs, comprehensive patient affordability offerings, digital banking services, and integrated payment processing services for businesses, consumers, and government institutions. Its product offerings include solutions for corporate rewards, prepaid gift cards, general purpose reloadable debit cards, employee incentives, consumer rebates, donor compensation, clinical trials, healthcare reimbursement payments and pharmaceutical payment assistance, and demand deposit accounts accessible with a debit card. The company markets its prepaid card solutions under the Paysign brand. Its primary market focus is on companies and municipalities that require a streamlined payment solution for rewards, rebates, payment assistance, and other payments to their customers, employees, agents, and others. The company was formerly known as 3PEA International, Inc. and changed its name to Paysign, Inc. in April 2019. Paysign, Inc. was incorporated in 1995 and is headquartered in Henderson, Nevada.

About NCR Atleos

NCR Atleos Corporation operates as a financial technology company in the United States, rest of the Americas, Europe, the Middle East, Africa, and the Asia Pacific. The company operates through three segments: Self-Service Banking, Network, and Telecommunications & Technology (T&T). The Self-Service Banking segment offers solutions, including a line of automated teller machine (ATM) and interactive teller machine (ITM) hardware and software, as well as related installation, maintenance, and managed and professional services; and solutions to manage and run the ATM channel end-to-end for financial institutions comprising back office, cash management, software management and ATM deployment, and others. The Network segment provides a network of ATMs and multi-functioning financial services kiosks for financial institutions, fintechs, neobanks, and retailers; Allpoint network for credit unions, banks, digital banks, fintechs, stored-value debit card issuers, and other consumer financial services providers; ReadyCode to convert a digital value to cash or cash to a digital value; ATM branding solutions to financial institutions; ATM management and services to retailers and other businesses; and engages in the buying and selling of Bitcoins. The T&T segment offers managed network and infrastructure services to enterprise clients across various industries through communications service providers and technology manufacturers; and professional, field, and remote services for modern network technologies, including software-defined wide area networking, network functions virtualization, wireless local area networks, optical networking, and edge networks. NCR Atleos Corporation is headquartered in Atlanta, Georgia.