MoneyOnMobile (OTCMKTS:MOMT) and The Western Union (NYSE:WU) are both computer and technology companies, but which is the better investment? We will compare the two businesses based on the strength of their profitability, earnings, institutional ownership, dividends, analyst recommendations, valuation and risk.
Insider and Institutional Ownership
0.1% of MoneyOnMobile shares are held by institutional investors. 14.7% of MoneyOnMobile shares are held by company insiders. Comparatively, 1.3% of The Western Union shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company is poised for long-term growth.
This table compares MoneyOnMobile and The Western Union’s top-line revenue, earnings per share and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|MoneyOnMobile||$4.26 million||0.09||-$9.68 million||N/A||N/A|
|The Western Union||$5.59 billion||1.80||$851.90 million||$1.92||12.36|
The Western Union has higher revenue and earnings than MoneyOnMobile.
This table compares MoneyOnMobile and The Western Union’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|The Western Union||22.11%||-309.12%||9.06%|
This is a summary of current recommendations and price targets for MoneyOnMobile and The Western Union, as reported by MarketBeat.com.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|The Western Union||1||3||0||0||1.75|
The Western Union has a consensus target price of $19.00, indicating a potential downside of 19.97%. Given The Western Union’s higher possible upside, analysts clearly believe The Western Union is more favorable than MoneyOnMobile.
The Western Union pays an annual dividend of $0.80 per share and has a dividend yield of 3.4%. MoneyOnMobile does not pay a dividend. The Western Union pays out 41.7% of its earnings in the form of a dividend. The Western Union has raised its dividend for 4 consecutive years.
Risk & Volatility
MoneyOnMobile has a beta of 2.57, indicating that its share price is 157% more volatile than the S&P 500. Comparatively, The Western Union has a beta of 0.82, indicating that its share price is 18% less volatile than the S&P 500.
The Western Union beats MoneyOnMobile on 8 of the 13 factors compared between the two stocks.
MoneyOnMobile, Inc. provides digital payment services in India. The company offers MoneyOnMobile, a mobile electronic wallet service used to pay for goods and services from a mobile phone, as well as for other financial transactions. It also allows consumers to deposit funds into their mobile wallet, as well as allows them to make payments for utilities and transfer currency to other consumers using text-messaging and mobile application technology. In addition, the company offers accident insurance products; and digital gift cards that allow consumers to make online purchases at various e-commerce vendors. As of March 31, 2017, its agent network comprised approximately 330,000 retail locations. The company was formerly known as Calpian, Inc. and changed its name to MoneyOnMobile, Inc. in August 2016. MoneyOnMobile, Inc. was incorporated in 2006 and is headquartered in Dallas, Texas.
About The Western Union
The Western Union Company provides money movement and payment services worldwide. The company operates in two segments, Consumer-to-Consumer and Business Solutions. The Consumer-to-Consumer segment facilitates money transfers between two consumers, primarily through a network of third-party agents. This segment offers international cross-border transfers and intra-country transfers, as well as money transfer transactions through Websites and mobile devices. The Business Solutions segment provides payment and foreign exchange solutions, primarily cross-border and cross-currency transactions for small and medium size enterprises, other organizations, and individuals; and foreign currency forward and option contracts. The company also facilitates bill payments from consumers to businesses and other organizations, as well as offers money order and other services. It serves primarily through a network of agents. The Western Union Company was incorporated in 2006 and is headquartered in Denver, Colorado.
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