MJ (OTCMKTS:MJNE) versus Paymentus (NYSE:PAY) Financial Analysis

Paymentus (NYSE:PAY) and MJ (OTCMKTS:MJNE) are both business services companies, but which is the superior business? We will contrast the two businesses based on the strength of their institutional ownership, valuation, dividends, analyst recommendations, earnings, profitability and risk.

Institutional and Insider Ownership

78.4% of Paymentus shares are owned by institutional investors. 87.8% of Paymentus shares are owned by insiders. Comparatively, 35.9% of MJ shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company is poised for long-term growth.

Profitability

This table compares Paymentus and MJ’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Paymentus	5.19%	10.84%	9.24%
MJ	N/A	N/A	N/A

Valuation & Earnings

This table compares Paymentus and MJ”s revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Paymentus	$871.75 million	4.01	$22.32 million	$0.34	82.35
MJ	$360,000.00	0.02	-$5.38 million	N/A	N/A

Paymentus has higher revenue and earnings than MJ.

Risk and Volatility

Paymentus has a beta of 1.65, indicating that its stock price is 65% more volatile than the S&P 500. Comparatively, MJ has a beta of 0.01, indicating that its stock price is 99% less volatile than the S&P 500.

Analyst Ratings

This is a breakdown of current recommendations for Paymentus and MJ, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Paymentus	0	5	2	1	2.50
MJ	0	0	0	0	0.00

Paymentus presently has a consensus price target of $30.00, suggesting a potential upside of 7.14%. Given Paymentus’ stronger consensus rating and higher possible upside, research analysts plainly believe Paymentus is more favorable than MJ.

Summary

Paymentus beats MJ on 13 of the 13 factors compared between the two stocks.

About Paymentus

Paymentus Holdings, Inc. provides cloud-based bill payment technology and solutions in the United States and internationally. The company offers electronic bill presentment and payment services, enterprise customer communication, and self-service revenue management to billers through a software-as-a-service technology platform. Its platform's payment processing includes credit cards, debit cards, eChecks, and digital wallets. It serves utility, financial service, government, insurance, telecommunication, real estate management, education, consumer finance, healthcare, and small business industries. The company was founded in 2004 and is headquartered in Charlotte, North Carolina.

About MJ

MJ Holdings, Inc., a cannabis holding company, engages in cultivation management, asset, and infrastructure development business in Nevada. It is also involved in production of cannabis related products; and provision of management services, dispensaries, and consulting services. The company is headquartered in Las Vegas, Nevada.