Head to Head Review: 3Pea International (PAYS) and Its Peers

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3Pea International (NASDAQ: PAYS) is one of 128 public companies in the “Business services, not elsewhere classified” industry, but how does it contrast to its peers? We will compare 3Pea International to related companies based on the strength of its dividends, analyst recommendations, risk, valuation, profitability, earnings and institutional ownership.

Valuation & Earnings

This table compares 3Pea International and its peers top-line revenue, earnings per share (EPS) and valuation.

Gross Revenue Net Income Price/Earnings Ratio
3Pea International $23.42 million $2.57 million 132.22
3Pea International Competitors $2.90 billion $448.77 million 11.01

3Pea International’s peers have higher revenue and earnings than 3Pea International. 3Pea International is trading at a higher price-to-earnings ratio than its peers, indicating that it is currently more expensive than other companies in its industry.

Insider and Institutional Ownership

11.3% of 3Pea International shares are owned by institutional investors. Comparatively, 63.7% of shares of all “Business services, not elsewhere classified” companies are owned by institutional investors. 38.6% of 3Pea International shares are owned by company insiders. Comparatively, 13.3% of shares of all “Business services, not elsewhere classified” companies are owned by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock is poised for long-term growth.

Volatility and Risk

3Pea International has a beta of 0.53, suggesting that its share price is 47% less volatile than the S&P 500. Comparatively, 3Pea International’s peers have a beta of 0.80, suggesting that their average share price is 20% less volatile than the S&P 500.

Profitability

This table compares 3Pea International and its peers’ net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
3Pea International 11.72% 66.72% 15.11%
3Pea International Competitors 3.78% 10.99% 2.69%

Analyst Ratings

This is a breakdown of recent recommendations for 3Pea International and its peers, as provided by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
3Pea International 0 0 2 0 3.00
3Pea International Competitors 1120 4820 8553 382 2.55

3Pea International presently has a consensus price target of $11.00, suggesting a potential downside of 7.56%. As a group, “Business services, not elsewhere classified” companies have a potential upside of 6.41%. Given 3Pea International’s peers higher probable upside, analysts clearly believe 3Pea International has less favorable growth aspects than its peers.

Summary

3Pea International beats its peers on 7 of the 13 factors compared.

3Pea International Company Profile

PaySign, Inc. provides prepaid card programs and processing services under the PaySign brand to corporations, government agencies, universities, and other organizations. The company offers various services, including transaction processing, cardholder enrollment, value loading, cardholder account management, reporting, and customer service through PaySign, a proprietary card-processing platform. It also develops prepaid card products for healthcare reimbursement payments, pharmaceutical assistance, donor compensation, corporate and incentive rewards, and expense reimbursement cards; and payroll or general purpose reloadable cards, as well as gift or incentive cards. In addition, the company offers Buy and Bill programs for patients to purchase directly from physician's office or through an infusion center for physician administered therapies; payment solution for source plasma collection centers; and PaySign Premier, a demand deposit account debit card, as well as customer service center and PaySign Communications Suite services. Its principal target markets for processing services comprise prepaid card issuers, retail and private-label issuers, small third-party processors, and small and mid-size financial institutions in the United States and internationally. 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 based in Henderson, Nevada.

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