Curo Group (NYSE:CURO) and Mr. Cooper Group (NASDAQ:COOP) are both small-cap finance companies, but which is the superior business? We will compare the two businesses based on the strength of their institutional ownership, risk, analyst recommendations, earnings, valuation, profitability and dividends.
Risk and Volatility
Curo Group has a beta of 3.52, meaning that its share price is 252% more volatile than the S&P 500. Comparatively, Mr. Cooper Group has a beta of 0.46, meaning that its share price is 54% less volatile than the S&P 500.
This table compares Curo Group and Mr. Cooper Group’s revenue, earnings per share 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||6.77|
|Mr. Cooper Group||$1.79 billion||0.44||$1.04 billion||$0.12||71.50|
Mr. Cooper Group has lower revenue, but higher earnings than Curo Group. Curo Group is trading at a lower price-to-earnings ratio than Mr. Cooper Group, indicating that it is currently the more affordable of the two stocks.
Institutional & Insider Ownership
49.1% of Curo Group shares are owned by institutional investors. Comparatively, 89.3% of Mr. Cooper Group shares are owned by institutional investors. 44.5% of Curo Group shares are owned by insiders. Comparatively, 1.7% of Mr. Cooper Group shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock will outperform the market over the long term.
This table compares Curo Group and Mr. Cooper Group’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|Mr. Cooper Group||57.99%||98.93%||11.56%|
This is a breakdown of recent recommendations and price targets for Curo Group and Mr. Cooper Group, as provided by MarketBeat.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|Mr. Cooper Group||1||1||2||0||2.25|
Curo Group currently has a consensus target price of $29.00, indicating a potential upside of 147.44%. Mr. Cooper Group has a consensus target price of $17.50, indicating a potential upside of 103.96%. Given Curo Group’s stronger consensus rating and higher possible upside, equities research analysts clearly believe Curo Group is more favorable than Mr. Cooper Group.
Curo Group beats Mr. Cooper Group on 8 of the 14 factors compared between the two stocks.
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.
About Mr. Cooper Group
Mr. Cooper Group Inc. provides servicing, origination, and transaction-based services related principally to single-family residences in the United States. The company operates through three segments: Servicing, Originations, and Xome. The Servicing segment performs activities for originated and purchased loans, as well as operates as a subservicer for various clients that own the underlying servicing rights. The Originations segment originates, purchases, and sells mortgage loans. The Xome segment offers technology and data enhanced solutions to home buyers, home sellers, real estate professionals, and companies engaged in the servicing and origination of mortgage loans. The company operates primarily under the Mr. Cooper and Xome brands. The company was formerly known as WMIH Corp. and changed its name to Mr. Cooper Group Inc. in October 2018. Mr. Cooper Group Inc. is headquartered in Coppell, Texas.
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