Isign Solutions (OTCMKTS:ISGN) and Bottomline Technologies (NASDAQ:EPAY) are both computer and technology companies, but which is the better business? We will contrast the two businesses based on the strength of their valuation, risk, earnings, dividends, analyst recommendations, institutional ownership and profitability.
Valuation and Earnings
This table compares Isign Solutions and Bottomline Technologies’ top-line revenue, earnings per share (EPS) and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|Isign Solutions||$1.01 million||2.34||-$1.94 million||N/A||N/A|
|Bottomline Technologies||$394.10 million||5.26||$9.32 million||$0.76||63.20|
Bottomline Technologies has higher revenue and earnings than Isign Solutions.
Insider & Institutional Ownership
89.0% of Bottomline Technologies shares are held by institutional investors. 40.4% of Isign Solutions shares are held by company insiders. Comparatively, 2.4% of Bottomline Technologies shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company is poised for long-term growth.
This table compares Isign Solutions and Bottomline Technologies’ net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
Risk & Volatility
Isign Solutions has a beta of -0.85, meaning that its share price is 185% less volatile than the S&P 500. Comparatively, Bottomline Technologies has a beta of 0.96, meaning that its share price is 4% less volatile than the S&P 500.
This is a summary of recent ratings and price targets for Isign Solutions and Bottomline Technologies, as reported by MarketBeat.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
Bottomline Technologies has a consensus price target of $61.13, suggesting a potential upside of 27.26%. Given Bottomline Technologies’ higher probable upside, analysts plainly believe Bottomline Technologies is more favorable than Isign Solutions.
Bottomline Technologies beats Isign Solutions on 11 of the 12 factors compared between the two stocks.
Isign Solutions Company Profile
iSign Solutions Inc., together with its subsidiaries, supplies digital transaction management software for the financial services and insurance industries. It offers enterprise-class SignatureOne and iSign suite of electronic signature solutions for businesses to implement paperless and electronic signature-driven business processes. The company's products include SignatureOne Ceremony Server to facilitate end-to-end management of multi-party approvals for PDF and XHTML documents; and iSign Console that allows users to upload documents for signature, select signers, and signature methods, as well as manages and enforces document workflow for routing, reviewing, signing, and notifications. Its products also comprise iSign Enterprise that incorporates the features and function of the ceremony server and the console; and iSign Family, including iSign Mobile for signing on iOS and Android mobile devices, iSign Forms for integrated use of templates and forms, and iSign Live for simultaneous browsing signature ceremonies. In addition, the company offers Sign-it, a family of desktop software products that enable the real-time capture of electronic and digital signatures, as well as their verification and binding within a set of applications; iSign Toolkits, a suite of application development tools for electronic signature capture, encryption, and verification in custom applications and Web-based processes; and post-contract support, and upgrades or enhancement services. It serves channel partners, resellers, and end-user customers primarily in North America, the ASEAN region, and Europe. The company was formerly known as Communication Intelligence Corporation and changed its name to iSign Solutions Inc. in December 2015. iSign Solutions Inc. was founded in 1981 and is headquartered in San Jose, California.
Bottomline Technologies Company Profile
Bottomline Technologies (de), Inc. provides software as a service based solutions. It operates through four segments: Cloud Solutions, Banking Solutions, Payments and Transactional Documents, and Other. The company's products and services include Paymode-X, a cloud-based payment network, which allows businesses to transition to electronic integrated payables; and cloud-based financial messaging solutions that enable banks and corporations to exchange financial information, such as payment instructions, cash reporting, and other messages to facilitate transaction settlement. It also provides digital banking solutions that provide payments, cash management, and online banking solutions to financial institutions; and cloud-based legal spend management solutions and services that integrate with claims management, and time and billing systems to automate legal invoice management processes. In addition, the company offers cyber fraud and risk management solutions that monitor, replay, and analyze user behavior and payment transactions to flag and stop suspicious activity in real time; and payment and document automation solutions to automate a range of business documents and supply chain processes, as well as related Web-based delivery and document archive. Further, it provides healthcare solutions for patient registration, electronic signature, mobile document, and payments; and consulting, project implementation, and training services, as well as sells printers, check papers, and magnetic ink character recognition toners. The company serves customers in the banking, financial services, insurance, healthcare, technology, retail, communications, education, media, manufacturing, and government industries in the United States, the United Kingdom, Continental Europe, the Asia-Pacific, and the Middle East. Bottomline Technologies (de), Inc. was founded in 1989 and is headquartered in Portsmouth, New Hampshire.
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