360 Finance (NASDAQ:QFIN) versus Curo Group (CURO) Head-To-Head Survey

Curo Group (NYSE:CURO) and 360 Finance (NASDAQ:QFIN) are both finance companies, but which is the superior business? We will compare the two businesses based on the strength of their analyst recommendations, earnings, institutional ownership, profitability, dividends, valuation and risk.

Analyst Ratings

This is a breakdown of recent ratings and recommmendations for Curo Group and 360 Finance, as provided by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Curo Group 0 0 3 0 3.00
360 Finance 0 0 1 0 3.00

Curo Group currently has a consensus target price of $29.00, suggesting a potential upside of 163.40%. Given Curo Group’s higher possible upside, research analysts clearly believe Curo Group is more favorable than 360 Finance.

Valuation and Earnings

This table compares Curo Group and 360 Finance’s gross revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Curo Group $1,094.31 billion 0.00 -$22.05 million $1.73 6.36
360 Finance $646.79 million 5.36 $173.56 million N/A N/A

360 Finance has lower revenue, but higher earnings than Curo Group.

Profitability

This table compares Curo Group and 360 Finance’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Curo Group -4.36% 386.32% 9.45%
360 Finance N/A N/A N/A

Insider & Institutional Ownership

49.1% of Curo Group shares are owned by institutional investors. Comparatively, 0.8% of 360 Finance shares are owned by institutional investors. 44.5% of Curo Group shares are owned by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company is poised for long-term growth.

Summary

Curo Group beats 360 Finance on 7 of the 10 factors compared between the two stocks.

Curo Group Company Profile

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.

360 Finance Company Profile

360 Finance, Inc. operates a digital consumer finance platform in China. Its platform provides online consumer finance products to prime and underserved borrowers. The company was founded in 2016 and is headquartered in Shanghai, China.

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