Financial Contrast: Tamino Minerals (OTCMKTS:TINO) versus Expensify (NASDAQ:EXFY)

Expensify (NASDAQ:EXFY) and Tamino Minerals (OTCMKTS:TINO) are both small-cap business services companies, but which is the superior business? We will contrast the two businesses based on the strength of their risk, dividends, profitability, earnings, analyst recommendations, valuation and institutional ownership.

Profitability

This table compares Expensify and Tamino Minerals’ net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Expensify	-11.81%	-14.72%	-8.89%
Tamino Minerals	N/A	N/A	N/A

Earnings and Valuation

This table compares Expensify and Tamino Minerals”s top-line revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Expensify	$150.69 million	1.67	-$41.46 million	($0.18)	-18.17
Tamino Minerals	N/A	N/A	N/A	N/A	N/A

Tamino Minerals has lower revenue, but higher earnings than Expensify.

Insider & Institutional Ownership

68.4% of Expensify shares are held by institutional investors. 17.3% of Expensify shares are held by insiders. Comparatively, 13.3% of Tamino Minerals shares are held by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company is poised for long-term growth.

Analyst Ratings

This is a breakdown of current ratings and recommmendations for Expensify and Tamino Minerals, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Expensify	0	3	1	0	2.25
Tamino Minerals	0	0	0	0	0.00

Expensify presently has a consensus price target of $2.83, suggesting a potential downside of 13.35%. Given Tamino Minerals’ higher possible upside, analysts plainly believe Tamino Minerals is more favorable than Expensify.

Volatility and Risk

Expensify has a beta of 1.51, indicating that its share price is 51% more volatile than the S&P 500. Comparatively, Tamino Minerals has a beta of 0.92, indicating that its share price is 8% less volatile than the S&P 500.

Summary

Expensify beats Tamino Minerals on 6 of the 10 factors compared between the two stocks.

About Expensify

Expensify, Inc. provides a cloud-based expense management software platform to individuals and corporations, small and midsized businesses, and enterprises in the United States and internationally. The company’s platform enables users to manage corporate cards, pay bills, generate invoices, collect payments, and book travel. It also offers track and submit plans for individuals. The company was founded in 2008 and is based in Portland, Oregon.

About Tamino Minerals

Tamino Minerals, Inc. operates as a mineral exploration and development company. The company explores for gold, copper, lead, silver, lithium, and zinc deposits. It holds a portfolio of properties located in Mexico. The company was formerly known as Entertainment Games, Inc. and changed its name to Tamino Minerals, Inc. in March 2013. Tamino Minerals, Inc. was incorporated in 1992 and is based in Hermosillo, Mexico.