PagSeguro Digital（NYSE：PAGS）和GTY Technology（NASDAQ：GTYH）头对头评论

PagSeguro Digital (NYSE:PAGS – Get Rating) and GTY Technology (NASDAQ:GTYH – Get Rating) 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, analyst recommendations, profitability, valuation, earnings, dividends and risk.

Profitability

This table compares PagSeguro Digital and GTY Technology's net margins, return on equity and return on assets.

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	Net Margins	Return on Equity	Return on Assets
PagSeguro Digital	10.56%	14.81%	5.33%
GTY Technology	-64.12%	-9.74%	-6.64%

Earnings & Valuation

This table compares PagSeguro Digital and GTY Technology's revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
PagSeguro Digital	$1.94 billion	2.59	$216.08 million	$0.71	21.46
GTY Technology	$60.45 million	6.19	-$53.83 million	($0.71)	-8.87

PagSeguro Digital has higher revenue and earnings than GTY Technology. GTY Technology is trading at a lower price-to-earnings ratio than PagSeguro Digital, indicating that it is currently the more affordable of the two stocks.

Volatility and Risk

PagSeguro Digital has a beta of 1.74, indicating that its stock price is 74% more volatile than the S&P 500. Comparatively, GTY Technology has a beta of -0.42, indicating that its stock price is 142% less volatile than the S&P 500.

Insider and Institutional Ownership

57.3% of PagSeguro Digital shares are owned by institutional investors. Comparatively, 44.5% of GTY Technology shares are owned by institutional investors. 33.2% of GTY Technology shares are owned by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company is poised for long-term growth.

Analyst Ratings

This is a summary of current ratings and target prices for PagSeguro Digital and GTY Technology, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
PagSeguro Digital	0	7	10	0	2.59
GTY Technology	0	2	1	0	2.33

PagSeguro Digital currently has a consensus price target of $25.94, indicating a potential upside of 70.22%. GTY Technology has a consensus price target of $9.00, indicating a potential upside of 42.86%. Given PagSeguro Digital's stronger consensus rating and higher possible upside, research analysts plainly believe PagSeguro Digital is more favorable than GTY Technology.

Summary

PagSeguro Digital beats GTY Technology on 12 of the 14 factors compared between the two stocks.

About PagSeguro Digital

(Get Rating)

PagSeguro Digital Ltd., together with its subsidiaries, provides financial technology solutions and services for consumers, individual entrepreneurs, micro-merchants, and small and medium-sized companies in Brazil and internationally. The company's products and services include PagSeguro Ecosystem, a digital ecosystem that operates as a closed loop where its clients are able to address their primary day to day financial needs, including receiving and spending funds, and managing and growing their businesses; PagBank digital account, which offers banking services through the PagBank mobile app, as well as centralizes various cash-in options, functionalities, services, and cash-out options in a single ecosystem; and PlugPag, a tool for medium-sized and larger merchants that enables them to connect their point of sale (POS) device directly to their enterprise resource planning software or sales automation system through Bluetooth. It also offers cash-in solutions; online and in-person payment tools; and online gaming and cross-border digital services, as well as issues prepaid, credit, and cash cards. In addition, the company provides functionalities, and value-added services and features, such as purchase protection mechanisms, antifraud platform, account and business management tools, and POS app; and operates an online platform that facilitates peer-to-peer lending. Further, it is involved in processing of back-office solutions, including sales reconciliation, and gateway solutions and services, as well as the capture of credit cards with acquirers and sub acquirers. The company was founded in 2006 and is headquartered in São Paulo, Brazil.

About GTY Technology

(Get Rating)

GTY Technology Holdings Inc. operates as a software-as-a-service (SaaS) company that offers a cloud-based suite of solutions for the public sector in North America. The company develops software technologies for the procurement and vendor or supplier sourcing industry in government, public sector, and various highly-regulated commercial vertical markets; and content, digital, and integrated payment services via a SaaS platform for government agencies and utility companies. It also provides cloud-based grants management and cost allocation software for state, local, and tribal governments; software to streamline municipal permissions and licenses; budgeting software, performance management, and transparency and data visualization solutions; and public sector budgeting SaaS, software, and consulting services. GTY Technology Holdings Inc. was incorporated in 2016 and is headquartered in Boston, Massachusetts.

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