Financial Comparison: Medical Cannabis Payment Solutions (OTCMKTS:REFG) versus XBP Global (NASDAQ:XBP)

Medical Cannabis Payment Solutions (OTCMKTS:REFG) and XBP Global (NASDAQ:XBP) are both business services companies, but which is the better investment? We will compare the two businesses based on the strength of their analyst recommendations, earnings, risk, dividends, profitability, institutional ownership and valuation.

Volatility and Risk

Medical Cannabis Payment Solutions has a beta of -0.46, suggesting that its stock price is 146% less volatile than the S&P 500. Comparatively, XBP Global has a beta of -0.38, suggesting that its stock price is 138% less volatile than the S&P 500.

Profitability

This table compares Medical Cannabis Payment Solutions and XBP Global’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Medical Cannabis Payment Solutions	N/A	N/A	N/A
XBP Global	-11.24%	N/A	-9.62%

Earnings & Valuation

This table compares Medical Cannabis Payment Solutions and XBP Global”s top-line revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Medical Cannabis Payment Solutions	N/A	N/A	-$30,000.00	N/A	N/A
XBP Global	$142.77 million	0.51	-$12.37 million	($0.26)	-2.38

Medical Cannabis Payment Solutions has higher earnings, but lower revenue than XBP Global.

Institutional & Insider Ownership

15.7% of XBP Global shares are held by institutional investors. 10.5% of XBP Global shares are held by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock is poised for long-term growth.

Analyst Ratings

This is a summary of recent ratings and target prices for Medical Cannabis Payment Solutions and XBP Global, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Medical Cannabis Payment Solutions	0	0	0	0	0.00
XBP Global	1	0	0	0	1.00

Given Medical Cannabis Payment Solutions’ higher possible upside, research analysts clearly believe Medical Cannabis Payment Solutions is more favorable than XBP Global.

Summary

XBP Global beats Medical Cannabis Payment Solutions on 5 of the 9 factors compared between the two stocks.

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.

About XBP Global

XBP Europe Holdings, Inc. provides bills, payments, and related solutions and services in France, Germany, the United Kingdom, Sweden, and internationally. The company operates through two segments, Bills & Payments and Technology. The Bills & Payments segment focuses on optimizing how bills and payments are processed by businesses of all sizes and industries. This segment also offers automation of accounts payable and accounts receivables processes and seeks to integrate buyers and suppliers, as well as engages in digital transformation business. The Technology segment engages in the sale of recurring software licenses and related maintenance, and hardware solutions, as well as provision of related maintenance and professional services. In addition, the company offers XBP platform that provides a secured network allowing billers, consumers, and businesses to communicate and transact; XBP Omnidirect, a cloud-based platform that provides enterprise level client communication management; and Reaktr.ai for cybersecurity, data modernization and cloud management, and generative AI. Further, it provides request to pay solutions; enterprise information management solutions; robotic process automation solutions; digital mailroom and records digitization solutions; business process management and intelligent workflow automation solutions; integrated communications solution; banking and financial industry solutions and services; cross-border payments; digitization of checks; confirmation of payee; and mortgage and loan management solutions. The company is based in Egham, the United Kingdom. XBP Europe Holdings, Inc. operates as a subsidiary of Exela Technologies, Inc.