Head to Head Survey: Payoneer Global (NASDAQ:PAYO) vs. Green Dot (NYSE:GDOT)

Payoneer Global (NASDAQ:PAYO) and Green Dot (NYSE:GDOT) are both business services companies, but which is the better stock? We will compare the two companies based on the strength of their dividends, institutional ownership, risk, profitability, valuation, analyst recommendations and earnings.

Volatility and Risk

Payoneer Global has a beta of 1, meaning that its stock price has a similar volatility profile to the S&P 500.Comparatively, Green Dot has a beta of 0.82, meaning that its stock price is 18% less volatile than the S&P 500.

Institutional & Insider Ownership

82.2% of Payoneer Global shares are owned by institutional investors. Comparatively, 92.6% of Green Dot shares are owned by institutional investors. 2.6% of Payoneer Global shares are owned by insiders. Comparatively, 1.4% of Green Dot shares are owned by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock will outperform the market over the long term.

Profitability

This table compares Payoneer Global and Green Dot’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Payoneer Global	6.96%	10.71%	1.01%
Green Dot	-2.33%	9.81%	1.59%

Analyst Ratings

This is a breakdown of current recommendations for Payoneer Global and Green Dot, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Payoneer Global	0	1	7	0	2.88
Green Dot	2	4	1	0	1.86

Payoneer Global currently has a consensus target price of $9.00, indicating a potential upside of 40.63%. Green Dot has a consensus target price of $12.56, indicating a potential upside of 2.51%. Given Payoneer Global’s stronger consensus rating and higher possible upside, analysts clearly believe Payoneer Global is more favorable than Green Dot.

Valuation & Earnings

This table compares Payoneer Global and Green Dot”s top-line revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Payoneer Global	$977.72 million	2.33	$121.16 million	$0.19	33.68
Green Dot	$1.72 billion	0.39	-$26.70 million	($0.85)	-14.42

Payoneer Global has higher earnings, but lower revenue than Green Dot. Green Dot is trading at a lower price-to-earnings ratio than Payoneer Global, indicating that it is currently the more affordable of the two stocks.

Summary

Payoneer Global beats Green Dot on 11 of the 14 factors compared between the two stocks.

About Payoneer Global

Payoneer Global Inc. operates as a financial technology company. It operates a payment infrastructure platform that provides customers with a one-stop, global, multi-currency account to serve their accounts receivable and accounts payable needs. The company delivers a suite of services that includes cross-border payments, physical and virtual MasterCard cards, working capital, risk management, and other services. It also offers various payment options with minimal integration required, full back-office functions, and customer support offered. The company's platform delivers bank-grade security, stability, and redundancy. It serves customers, such as small and medium-sized businesses in approximately 190 countries and territories worldwide. Payoneer Global Inc. was founded in 2005 and is headquartered in New York, New York.

About Green Dot

Green Dot Corporation, a financial technology and registered bank holding company, provides various financial services to consumers and businesses in the United States. It operates through three segments: Consumer Services, Business to Business Services, and Money Movement Services. The company provides deposit account programs, including consumer and small business checking account products, network-branded reloadable prepaid debit cards and gift cards, and secured credit programs. It offers money processing services, such as cash transfer services that enable consumers to deposit or pick up cash and pay bills with cash at the point-of-sale at any participating retailer; and simply paid disbursement services, which enable wages and authorized funds disbursement to its deposit account programs and accounts issued by any third-party bank or program manager. In addition, the company offers tax processing services comprising tax refund transfers, which provide the processing technology to facilitate receipt of a taxpayers' refund proceeds; small business lending to independent tax preparation providers that seek small advances; and fast cash advance, a loan that enables tax refund recipients. Green Dot Corporation was incorporated in 1999 and is headquartered in Austin, Texas.