Zenvia (NASDAQ:ZENV) and Temenos (OTCMKTS:TMNSF) Financial Analysis

Zenvia (NASDAQ:ZENV) and Temenos (OTCMKTS:TMNSF) are both business services companies, but which is the better stock? We will compare the two businesses based on the strength of their analyst recommendations, profitability, earnings, dividends, valuation, risk and institutional ownership.

Profitability

This table compares Zenvia and Temenos’ net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Zenvia	-13.40%	-12.60%	-6.24%
Temenos	N/A	N/A	N/A

Analyst Recommendations

This is a breakdown of recent ratings and target prices for Zenvia and Temenos, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Zenvia	0	0	0	0	N/A
Temenos	0	0	0	0	N/A

Risk & Volatility

Zenvia has a beta of 2.09, indicating that its share price is 109% more volatile than the S&P 500. Comparatively, Temenos has a beta of 1.11, indicating that its share price is 11% more volatile than the S&P 500.

Institutional and Insider Ownership

49.3% of Zenvia shares are held by institutional investors. 78.4% of Zenvia shares are held by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company is poised for long-term growth.

Valuation and Earnings

This table compares Zenvia and Temenos’ top-line revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Zenvia	$841.17 million	0.09	-$12.22 million	($0.29)	-6.41
Temenos	$1.00 billion	N/A	$134.68 million	N/A	N/A

Temenos has higher revenue and earnings than Zenvia.

Summary

Temenos beats Zenvia on 5 of the 8 factors compared between the two stocks.

About Zenvia

Zenvia Inc. provides customer experience communications platform which empowers businesses to create unique journeys for their end-customers along their life cycle across range of B2C verticals. Zenvia Inc. is based in S?O PAULO.

About Temenos

Temenos AG develops, markets, and sells integrated banking software systems to banking and other financial institutions worldwide. Its Temenos Banking Cloud helps banks to offer open banking services. The company provides Temenos Infinity, a digital banking platform; Temenos Transact, a core banking software for retail, corporate, treasury, wealth, and payments; Temenos Payments, a software-as-a-service payments technology; Temenos Multifonds, a platform for traditional and alternative funds, as well as offers key asset servicing, position keeping, valuation and accounting functions for various structures of pooled vehicles and funds; Temenos Multifonds Navigator, a net asset value shadow, oversight, and contingency solution; and Temenos Quantum, a multi-experience development platform. It also offers Temenos XAI that enables banks to provide individualized customer experiences, drive customer loyalty and profitability, and automate processes; Temenos Financial Crime Mitigation that allows banks and financial institutions to avoid regulatory fines, detect fraud, and mitigate reputational risks; Temenos Analytics, a reporting, analytics, and business intelligence product; Temenos Regulatory Compliance for addressing fraud, remaining compliant with regulations, and managing risks; Temenos Wealth, an integrated portfolio management and securities trading platform for wealth managers and private bankers; and Temenos DataSource, an enterprise data management solution. In addition, it provides various solutions for retail, business, universal, central, Islamic, corporate, and private banking; life and pension; challenger banks and fintechs; wealth management; credit unions; financial inclusion; and asset managers and asset services. The company was formerly known as Temenos Group AG and changed its name to Temenos AG in May 2018. The company was founded in 1993 and is based in Geneva, Switzerland.