DeFi Development (NASDAQ:DFDV – Get Free Report) and Phunware (NASDAQ:PHUN – Get Free Report) are both small-cap computer and technology companies, but which is the better business? We will contrast the two companies based on the strength of their earnings, institutional ownership, dividends, analyst recommendations, profitability, valuation and risk.
Risk and Volatility
DeFi Development has a beta of -6.98, suggesting that its stock price is 798% less volatile than the S&P 500. Comparatively, Phunware has a beta of 2.62, suggesting that its stock price is 162% more volatile than the S&P 500.
Profitability
This table compares DeFi Development and Phunware’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| DeFi Development | N/A | 64.98% | 35.97% |
| Phunware | -505.26% | -10.45% | -9.72% |
Valuation and Earnings
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| DeFi Development | $2.10 million | 56.44 | -$2.73 million | $2.54 | 1.46 |
| Phunware | $3.19 million | 10.82 | -$10.32 million | ($0.52) | -3.29 |
DeFi Development has higher earnings, but lower revenue than Phunware. Phunware is trading at a lower price-to-earnings ratio than DeFi Development, indicating that it is currently the more affordable of the two stocks.
Analyst Ratings
This is a summary of recent recommendations and price targets for DeFi Development and Phunware, as provided by MarketBeat.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| DeFi Development | 0 | 1 | 1 | 1 | 3.00 |
| Phunware | 1 | 1 | 1 | 0 | 2.00 |
DeFi Development presently has a consensus price target of $35.00, suggesting a potential upside of 840.86%. Phunware has a consensus price target of $6.33, suggesting a potential upside of 270.37%. Given DeFi Development’s stronger consensus rating and higher possible upside, equities research analysts clearly believe DeFi Development is more favorable than Phunware.
Institutional & Insider Ownership
0.5% of DeFi Development shares are owned by institutional investors. Comparatively, 7.6% of Phunware shares are owned by institutional investors. 19.2% of DeFi Development shares are owned by insiders. Comparatively, 0.2% of Phunware shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock will outperform the market over the long term.
Summary
DeFi Development beats Phunware on 11 of the 14 factors compared between the two stocks.
About DeFi Development
We are a B2B fintech marketplace connecting commercial property borrowers and lenders with a human touch. We seek to revolutionize the commercial real estate lending market by making it hyper-efficient, transparent, and accessible to all rather than the few. Through our online platform, we provide technology that connects commercial mortgage borrowers looking for capital to refinance, build, or purchase commercial property, including, but not limited to, apartment buildings, to commercial property lenders. Borrowers include, but are not limited to, owners, operators, and developers of commercial real estate including multifamily properties and most recently, a growing segment of small business owners, which we believe represents a significant growth opportunity. Lenders include small banks, credit unions, REITs, Fannie Mae® and Freddie Mac® multifamily lenders, FHA® multifamily lenders, debt funds, CMBS lenders, SBA lenders, and more. We have developed a flexible, two-sided, B2B marketplace that connects commercial borrowers and lenders, with a human touch. Commercial property owners, operators, and developers can quickly create an account on our platform, set up their own profile, and submit and manage loan requests on their dashboard in a digital experience. Our algorithms automatically match borrowers to their best loan options or to our internal capital markets advisors that guide the borrower throughout the process and connect them with a potentially suitable loan product and lender. Originators that work at commercial mortgage lenders can access their accounts on our platform to view, sort, and communicate with their matched borrowers in real-time, tracking their loan progress through our portal. Capital markets advisors that work internally have their own interface that gives them access to targeted loan opportunities empowering them to better assist borrowers in managing their choices, leading to the best possible outcomes for both lenders and borrowers while building trust, all of which is intended to enhance our brand. We believe that as we scale, we can use the same technology to provide similar services across the commercial property and small business value chain. Our mission is to remove frictions from traditional commercial property financing, making it easier and more cost-effective for all parties in the transaction. We intend to disintermediate commercial real estate financing, flattening the playing field for commercial property owners and developers, and lenders of all sizes, democratizing an otherwise fractured and elitist market. We were originally formed as Janover Ventures LLC, a Florida limited liability company, on November 28, 2018, and converted to Janover Inc., a Delaware corporation, on March 9, 2021. We are headquartered at 6401 Congress Avenue, Suite 250, Boca Raton, Florida.
About Phunware
Phunware, Inc., together with its subsidiaries, provides integrated software platform that equips companies with the products, solutions, and services to engage, manage, and monetize their mobile application portfolios in the United States and internationally. The company's products and services include mobile software and application transaction solutions comprise integration of software development kit (SDK) licenses, which consists of analytics that offers data related to application use and engagement; content management that allows application administrators to create and manage app content in a cloud-based portal; alerts, notifications, and messaging, which enables brands to send messages; marketing automation that enables location-triggered messages and workflow; advertising; and location-based services, such as mapping, navigation, wayfinding, workflow, asset management, and policy enforcement. It is also involved in the integration of its SDK licenses into existing applications maintained by its customers, as well as custom application development and support services; and provision of cloud-based vertical solutions for healthcare, retail, sports, aviation, real estate, hospitality, education, and other applications, as well as application transactions, including re-occurring and one-time transactional media purchases for application discovery, user acquisition and audience building, audience engagement, and audience monetization. Phunware, Inc. was founded in 2009 and is headquartered in Austin, Texas.
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