Head to Head Review: Paymentus (NYSE:PAY) vs. Net Savings Link (OTCMKTS:NSAV)

Net Savings Link (OTCMKTS:NSAV) and Paymentus (NYSE:PAY) are both computer and technology companies, but which is the superior business? We will contrast the two companies based on the strength of their valuation, risk, analyst recommendations, earnings, dividends, profitability and institutional ownership.

Analyst Recommendations

This is a breakdown of recent ratings for Net Savings Link and Paymentus, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Net Savings Link	0	0	0	0	0.00
Paymentus	0	6	1	1	2.38

Paymentus has a consensus price target of $28.80, indicating a potential downside of 23.85%. Given Paymentus’ stronger consensus rating and higher possible upside, analysts clearly believe Paymentus is more favorable than Net Savings Link.

Insider & Institutional Ownership

12.6% of Paymentus shares are owned by institutional investors. 0.2% of Net Savings Link shares are owned by company insiders. Comparatively, 87.8% of Paymentus shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company is poised for long-term growth.

Earnings & Valuation

This table compares Net Savings Link and Paymentus”s gross revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Net Savings Link	N/A	N/A	N/A	N/A	N/A
Paymentus	$614.49 million	7.67	$22.32 million	$0.31	122.00

Paymentus has higher revenue and earnings than Net Savings Link.

Risk and Volatility

Net Savings Link has a beta of 3.26, meaning that its stock price is 226% more volatile than the S&P 500. Comparatively, Paymentus has a beta of 1.41, meaning that its stock price is 41% more volatile than the S&P 500.

Profitability

This table compares Net Savings Link and Paymentus’ net margins, return on equity and return on assets.

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

Summary

Paymentus beats Net Savings Link on 10 of the 11 factors compared between the two stocks.

About Net Savings Link

Net Savings Link, Inc. operates as a cryptocurrency, blockchain, and digital asset technology company. It holds interests in Cryptocurrency Trading Platform based on Artificial Intelligence (AI) and offers a range of trading services, such as portfolio management and price search function. This platform supports various cryptocurrency exchanges. The company is based in London, the United Kingdom.

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.