Analyzing RTB Digital, Inc. Common Stock (NASDAQ:RTB) and International Money Express (NASDAQ:IMXI)

RTB Digital, Inc. Common Stock (NASDAQ:RTB) and International Money Express (NASDAQ:IMXI) 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 profitability, analyst recommendations, dividends, institutional ownership, earnings, risk and valuation.

Institutional & Insider Ownership

17.4% of RTB Digital, Inc. Common Stock shares are held by institutional investors. Comparatively, 86.7% of International Money Express shares are held by institutional investors. 12.4% of RTB Digital, Inc. Common Stock shares are held by company insiders. Comparatively, 5.1% of International Money Express shares are held by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company will outperform the market over the long term.

Valuation and Earnings

This table compares RTB Digital, Inc. Common Stock and International Money Express”s revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
RTB Digital, Inc. Common Stock	$11.13 million	1.18	-$17.53 million	($26.23)	-0.39
International Money Express	$607.78 million	0.71	$32.67 million	$0.85	16.85

International Money Express has higher revenue and earnings than RTB Digital, Inc. Common Stock. RTB Digital, Inc. Common Stock is trading at a lower price-to-earnings ratio than International Money Express, indicating that it is currently the more affordable of the two stocks.

Volatility and Risk

RTB Digital, Inc. Common Stock has a beta of 2.6, meaning that its share price is 160% more volatile than the S&P 500. Comparatively, International Money Express has a beta of 0.75, meaning that its share price is 25% less volatile than the S&P 500.

Analyst Recommendations

This is a breakdown of current ratings for RTB Digital, Inc. Common Stock and International Money Express, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
RTB Digital, Inc. Common Stock	1	1	0	0	1.50
International Money Express	1	2	0	0	1.67

Profitability

This table compares RTB Digital, Inc. Common Stock and International Money Express’ net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
RTB Digital, Inc. Common Stock	-165.69%	N/A	-100.25%
International Money Express	4.34%	23.26%	6.88%

Summary

International Money Express beats RTB Digital, Inc. Common Stock on 9 of the 12 factors compared between the two stocks.

About RTB Digital, Inc. Common Stock

Ryvyl Inc., a technology company, engages in the development, marketing, and sale of blockchain-based payment solutions in North America, Europe, and Asia. The company's blockchain-based systems facilitate, record, and store a volume of tokenized assets representing cash or data on a blockchain-based ledger. Its products include QuickCard Payment System, a physical and virtual payment card processing management system, including software that facilitates on and off ramp e-wallet management; Coyni, a digital token platform, which offers custodial assurance by utilizing its stable coin and blockchain technology in a closed-loop ecosystem; and ChargeSavvy, an end-to-end POS solution comprising software and hardware for the restaurant and hospitality industry. It serves customers in various industries, including foreign exchange, retail, and e-commerce sectors. The company was formerly known as GreenBox POS and changed its name to Ryvyl Inc. in October 2022. Ryvyl Inc. is based in San Diego, California.

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.