Mercurity Fintech (NASDAQ:MFH – Get Free Report) and Usio (NASDAQ:USIO – Get Free Report) are both small-cap business services companies, but which is the superior investment? We will compare the two businesses based on the strength of their institutional ownership, analyst recommendations, profitability, valuation, risk, earnings and dividends.
Earnings and Valuation
This table compares Mercurity Fintech and Usio”s gross revenue, earnings per share and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Mercurity Fintech | $956,830.00 | 402.84 | -$4.53 million | N/A | N/A |
| Usio | $82.93 million | 0.44 | $3.31 million | ($0.02) | -67.00 |
Profitability
This table compares Mercurity Fintech and Usio’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Mercurity Fintech | N/A | N/A | N/A |
| Usio | -0.46% | -2.05% | -0.37% |
Risk and Volatility
Mercurity Fintech has a beta of 4.3, meaning that its share price is 330% more volatile than the S&P 500. Comparatively, Usio has a beta of 1.37, meaning that its share price is 37% more volatile than the S&P 500.
Analyst Ratings
This is a breakdown of recent ratings and price targets for Mercurity Fintech and Usio, as reported by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Mercurity Fintech | 1 | 0 | 0 | 0 | 1.00 |
| Usio | 2 | 1 | 1 | 0 | 1.75 |
Usio has a consensus target price of $4.00, indicating a potential upside of 198.51%. Given Usio’s stronger consensus rating and higher possible upside, analysts clearly believe Usio is more favorable than Mercurity Fintech.
Institutional & Insider Ownership
30.8% of Mercurity Fintech shares are owned by institutional investors. Comparatively, 20.2% of Usio shares are owned by institutional investors. 62.8% of Mercurity Fintech shares are owned by insiders. Comparatively, 17.8% of Usio shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock is poised for long-term growth.
Summary
Mercurity Fintech beats Usio on 7 of the 12 factors compared between the two stocks.
About Mercurity Fintech
Mercurity Fintech Holding Inc. operates as a fintech company powered by blockchain. The company provides digital asset trading infrastructure solutions based on internet and blockchain technologies for cryptocurrency traders; and asset digitalization platform, which offers blockchain-based digitalization solutions for traditional assets, such as fiat currencies, bonds, and precious metals. It also offers cryptocurrency mining services that provides computing power to the mining pool; and digital consultation services, such as digital payment solutions, asset management, and online and traditional brokerage services. The company was formerly known as JMU Limited and changed its name to Mercurity Fintech Holding Inc. in April 2020. Mercurity Fintech Holding Inc. was incorporated in 2011 and is headquartered in New York, New York.
About Usio
Usio, Inc., together with its subsidiaries, provides integrated electronic payment processing services to merchants and businesses in the United States. The company offers various types of automated clearing house (ACH) processing; and credit, prepaid card, and debit card-based processing services. Its ACH transaction processing services include Represented Check and Check Conversion for electronic payment facilitation. In addition, the company offers merchant account services for the processing of card-based transactions through the VISA, MasterCard, American Express, Discover, and JCB networks, including online terminal services accessed through a website or retail services accessed through a physical terminal. Further, it provides a proprietary web-based customer service application that allows companies to process one-time and recurring payments through e-checks or credit cards; and an interactive voice response telephone system to companies, which accept payments directly from consumers over the telephone using e-checks or credit cards. Additionally, the company offers prepaid and incentive card issuance services; and operates a prepaid core processing platform, as well as provides additional services, such as electronic bill presentment, document composition, document decomposition, and printing and mailing services for various industry verticals, including utilities and financial institutions. It markets and sells ACH products and services primarily through resellers; and prepaid card program directly to government entities, corporations, and to consumers through the internet. The company was formerly known as Payment Data Systems, Inc. and changed its name to Usio, Inc. in June 2019. Usio, Inc. was incorporated in 1998 and is headquartered in San Antonio, Texas.
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