Analyzing Curo Group (CURO) & CHINA MERCHANTS/ADR (CIHKY)

CHINA MERCHANTS/ADR (OTCMKTS:CIHKY) and Curo Group (NYSE:CURO) are both finance companies, but which is the better investment? We will compare the two businesses based on the strength of their risk, dividends, valuation, analyst recommendations, institutional ownership, profitability and earnings.

Earnings & Valuation

This table compares CHINA MERCHANTS/ADR and Curo Group’s revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
CHINA MERCHANTS/ADR $46.95 billion N/A $10.38 billion N/A N/A
Curo Group $1,094.31 billion 0.00 -$22.05 million $1.73 6.36

CHINA MERCHANTS/ADR has higher earnings, but lower revenue than Curo Group.

Profitability

This table compares CHINA MERCHANTS/ADR and Curo Group’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
CHINA MERCHANTS/ADR N/A N/A N/A
Curo Group -4.36% 386.32% 9.45%

Volatility & Risk

CHINA MERCHANTS/ADR has a beta of 1.52, meaning that its stock price is 52% more volatile than the S&P 500. Comparatively, Curo Group has a beta of 3.52, meaning that its stock price is 252% more volatile than the S&P 500.

Analyst Ratings

This is a breakdown of current recommendations for CHINA MERCHANTS/ADR and Curo Group, as provided by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
CHINA MERCHANTS/ADR 0 0 0 0 N/A
Curo Group 0 0 3 0 3.00

Curo Group has a consensus target price of $29.00, indicating a potential upside of 163.40%. Given Curo Group’s higher probable upside, analysts plainly believe Curo Group is more favorable than CHINA MERCHANTS/ADR.

Insider & Institutional Ownership

49.1% of Curo Group shares are held by institutional investors. 44.5% of Curo Group shares are held 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.

Dividends

CHINA MERCHANTS/ADR pays an annual dividend of $0.53 per share and has a dividend yield of 2.0%. Curo Group does not pay a dividend.

Summary

Curo Group beats CHINA MERCHANTS/ADR on 8 of the 12 factors compared between the two stocks.

About CHINA MERCHANTS/ADR

China Merchants Bank Co., Ltd. provides various wholesale and retail banking products and services in the People's Republic of China and internationally. It operates through Wholesale Finance Business, Retail Finance Business, and Other Business segments. The company offers time, demand, call, notice, and RMB deposits; and deposit, current, and capital accounts. It also provides personal commercial real estate, consumption, housing, and car loans, as well as loans to finance for studying abroad; micro-business, combo, guarantee, and housing mortgage loans; mortgage loans for equipment; bank acceptance, discount, liquid capital, and fixed asset loans; and financial leasing, third-party payment, and guarantee services, as well as loans for vessels. In addition, the company offers investment and wealth management, and insurance products; individual forex option and express, and gold trading services; open ended funds; private banking and cash management services; and financial consultation, debt financing underwriting, merger and acquisition financing, and equity financing and enterprise listing services. Further, it provides settlement and trade chain financing services; international business, wealth investment, risk and financial management, cross border RMB financing, international factoring and settlement, oversea financing, and trade finance services; and forfeiting and risk participation, cross border RMB clearing, interbank business, and escrow services. Additionally, the company offers instruments; custody and pension services; credit cards; and Internet and mobile banking services. As of December 31, 2017, it had 137 branches; 1,681 sub-branches; 1 branch-level operation center; 1 representative office; 3,340 self-service centers; 11,382 self-service machines, including 1,610 automatic teller machines, and 9,772 deposit-taking and cash withdrawal machines; and 12,936 visual counters. The company was founded in 1987 and is headquartered in Shenzhen, China.

About Curo Group

CURO Group Holdings Corp., a diversified consumer finance company, provides consumer finance to a range of underbanked consumers in the United States, Canada, and the United Kingdom. It offers unsecured installment loans, secured installment loans, open-end loans, and single-pay loans, as well as ancillary financial products, including check cashing, proprietary reloadable prepaid debit cards, credit protection insurance, gold buying, retail installment sales, and money transfer services. The company operates under the Speedy Cash, Rapid Cash, Cash Money, Avío Credit, and Opt+ brands; and online as Wage Day Advance and Juo Loans, as well as offers installment loans online under the LendDirect brand. The company was formerly known as Speedy Group Holdings Corp. and changed its name to CURO Group Holdings Corp. in May 2016. CURO Group Holdings Corp. was founded in 1997 and is headquartered in Wichita, Kansas.

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