Expensify and Paypoint: Comparing the Business Services Providers

Analysts see more upside potential in Expensify over Paypoint based on consensus ratings and target prices.

Published on Feb. 20, 2026

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Paypoint (OTCMKTS:PYPTF) and Expensify (NASDAQ:EXFY) are both small-cap business services companies, but analysts believe Expensify is the more favorable option based on its stronger consensus rating and higher potential upside. The article compares the two companies across various financial metrics like net margins, return on equity, and return on assets, finding that Paypoint has higher revenue and earnings than Expensify. However, Expensify has stronger institutional ownership, suggesting large investors see more long-term potential in the company.

Why it matters

This comparison is relevant for investors looking to gain exposure to the business services sector, as it highlights the relative strengths and weaknesses of two publicly traded players in the space. The analysis provides insight into which company analysts believe is poised for greater growth and returns.

The details

The key differences between Paypoint and Expensify include Paypoint's higher revenue and earnings, but Expensify's stronger institutional ownership, lower volatility, and more favorable analyst consensus. Paypoint operates in the UK providing payment processing, shopping, and e-commerce services, while Expensify offers cloud-based expense management software globally.

  • The article was published on February 18, 2026.

The players

Paypoint

A UK-based provider of payment processing, shopping, and e-commerce services.

Expensify

A US-based provider of cloud-based expense management software operating internationally.

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The takeaway

This analysis highlights the relative strengths of Expensify and Paypoint in the business services sector, with Expensify seen as the more favorable investment option by analysts due to its stronger consensus rating, higher potential upside, and greater institutional backing, despite Paypoint's higher revenue and earnings.