Analyzing LiveRamp (NYSE:RAMP) & Temenos Group (OTCMKTS:TMSNY)

LiveRamp (NYSE:RAMP) and Temenos Group (OTCMKTS:TMSNY) are both mid-cap technology companies, but which is the better business? We will contrast the two businesses based on the strength of their valuation, analyst recommendations, earnings, profitability, institutional ownership, dividends and risk.

Volatility and Risk

LiveRamp has a beta of 1.27, suggesting that its share price is 27% more volatile than the S&P 500. Comparatively, Temenos Group has a beta of 0.73, suggesting that its share price is 27% less volatile than the S&P 500.

Profitability

This table compares LiveRamp and Temenos Group’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
LiveRamp	18.71%	9.77%	7.41%
Temenos Group	18.64%	65.48%	12.48%

Institutional & Insider Ownership

93.8% of LiveRamp shares are owned by institutional investors. 3.3% of LiveRamp shares are owned by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock is poised for long-term growth.

Analyst Recommendations

This is a summary of current recommendations and price targets for LiveRamp and Temenos Group, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
LiveRamp	0	6	2	0	2.25
Temenos Group	0	2	0	2	3.00

LiveRamp presently has a consensus price target of $38.08, indicating a potential downside of 1.08%. Given LiveRamp’s higher probable upside, analysts clearly believe LiveRamp is more favorable than Temenos Group.

Earnings and Valuation

This table compares LiveRamp and Temenos Group”s gross revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
LiveRamp	$832.10 million	2.81	$145.95 million	$2.44	15.78
Temenos Group	$1.09 billion	6.03	$280.61 million	$3.12	30.76

Temenos Group has higher revenue and earnings than LiveRamp. LiveRamp is trading at a lower price-to-earnings ratio than Temenos Group, indicating that it is currently the more affordable of the two stocks.

Summary

Temenos Group beats LiveRamp on 9 of the 15 factors compared between the two stocks.

About LiveRamp

LiveRamp Holdings, Inc., a technology company, operates a data collaboration platform in the United States, Europe, the Asia-Pacific, and internationally. The company operates LiveRamp Data Collaboration platform enables an organization to unify customer and prospect data to build a single view of the customer in a way that protects consumer privacy. Its platform supports various people-based marketing solutions, including data collaboration, activation, measurement and analytics, identity, and data marketplace. The company sells its solutions to enterprise marketers, agencies, marketing technology providers, publishers, and data providers in various industry verticals, such as financial, insurance and investment services, retail, automotive, telecommunications, high tech, consumer packaged goods, healthcare, travel, entertainment, and non-profit. The company was formerly known as Acxiom Holdings, Inc. and changed its name to LiveRamp Holdings, Inc. in October 2018. The company was incorporated in 2018 and is headquartered in San Francisco, California.

About Temenos Group

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.