International Card Establishment (OTCMKTS:ICRD) & Veeva Systems (NYSE:VEEV) Financial Review

International Card Establishment (OTCMKTS:ICRD) and Veeva Systems (NYSE:VEEV) are both business services companies, but which is the superior investment? We will compare the two companies based on the strength of their profitability, valuation, analyst recommendations, dividends, institutional ownership, risk and earnings.

Analyst Ratings

This is a breakdown of recent ratings and price targets for International Card Establishment and Veeva Systems, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
International Card Establishment	0	0	0	0	0.00
Veeva Systems	2	8	15	0	2.52

Veeva Systems has a consensus target price of $256.52, indicating a potential upside of 12.64%. Given Veeva Systems’ stronger consensus rating and higher probable upside, analysts plainly believe Veeva Systems is more favorable than International Card Establishment.

Profitability

This table compares International Card Establishment and Veeva Systems’ net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
International Card Establishment	N/A	N/A	N/A
Veeva Systems	25.07%	13.56%	11.02%

Insider and Institutional Ownership

88.2% of Veeva Systems shares are held by institutional investors. 10.5% of Veeva Systems shares are held by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company is poised for long-term growth.

Valuation & Earnings

This table compares International Card Establishment and Veeva Systems”s top-line revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
International Card Establishment	N/A	N/A	N/A	N/A	N/A
Veeva Systems	$2.75 billion	13.49	$525.71 million	$4.33	52.59

Veeva Systems has higher revenue and earnings than International Card Establishment.

Summary

Veeva Systems beats International Card Establishment on 9 of the 9 factors compared between the two stocks.

About International Card Establishment

International Card Establishment, Inc. provides merchant services in the United States. It offers payment processing services for brick and mortar merchants; proprietary gift and loyalty program; gift cards with customized artwork; various merchant terminals and accessories; leasing program; customer support; and agent program. The company is headquartered in Camarillo, California.

About Veeva Systems

Veeva Systems Inc. provides cloud-based software for the life sciences industry. It offers Veeva Commercial Cloud, a suite of software and analytics solutions, such as Veeva customer relationship management (CRM) that enable customer-facing employees at pharmaceutical and biotechnology companies; Veeva Vault PromoMats, an end-to-end content and digital asset management solution; Veeva Vault Medical that provides source of medical content across multiple channels and geographies; Veeva Crossix, an analytics platform for pharmaceutical brands; Veeva OpenData, a customer reference data solution; Veeva Link, a data application that allows link to generate real-time intelligence; and Veeva Compass includes de-identified and longitudinal patient data for the United States. The company also provides Veeva Development Cloud, a suite of applications for the clinical, regulatory, quality, and safety functions, including Veeva Vault Clinical, Veeva Vault RIM, Veeva Vault Safety, and Veeva Vault Quality; Veeva QualityOne, a quality and document management, and training solution; Veeva RegulatoryOne, a solution that helps companies to manage regulatory submission content; and Veeva Claims addresses the end-to-end product and marketing claims management process. In addition, it offers professional and support services, including implementation and deployment planning and project management; requirements analysis, solution design, and configuration; systems environment management and deployment services; services focused on advancing or transforming business and operating processes related to Veeva solutions; data migration and systems integrations technical consulting services; training on its solutions; and ongoing managed services, such as outsourced systems administration. The company was formerly known as Verticals onDemand, Inc. and changed its name to Veeva Systems Inc. in April 2009. Veeva Systems Inc. was incorporated in 2007 and is headquartered in Pleasanton, California.