Stonegate Mortgage (SGM) and Cash America International (CSH) Head to Head Analysis

Stonegate Mortgage (NYSE: SGM) and Cash America International (NYSE:CSH) are both small-cap financials companies, but which is the better business? We will compare the two businesses based on the strength of their institutional ownership, analyst recommendations, valuation, profitability, risk, dividends and earnings.

Valuation and Earnings

This table compares Stonegate Mortgage and Cash America International’s revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Stonegate Mortgage N/A N/A N/A $1.16 6.89
Cash America International N/A N/A N/A $1.18 35.76

Stonegate Mortgage is trading at a lower price-to-earnings ratio than Cash America International, indicating that it is currently the more affordable of the two stocks.

Volatility & Risk

Stonegate Mortgage has a beta of 1.45, suggesting that its stock price is 45% more volatile than the S&P 500. Comparatively, Cash America International has a beta of 0.83, suggesting that its stock price is 17% less volatile than the S&P 500.

Profitability

This table compares Stonegate Mortgage and Cash America International’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Stonegate Mortgage -13.22% -6.70% -1.57%
Cash America International 0.87% 0.86% 0.64%

Analyst Ratings

This is a breakdown of current ratings for Stonegate Mortgage and Cash America International, as provided by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Stonegate Mortgage 0 0 0 0 N/A
Cash America International 0 0 0 0 N/A

Insider and Institutional Ownership

44.3% of Stonegate Mortgage shares are held by institutional investors. 44.5% of Stonegate Mortgage shares are held by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock is poised for long-term growth.

Dividends

Cash America International pays an annual dividend of $0.32 per share and has a dividend yield of 0.8%. Stonegate Mortgage does not pay a dividend. Cash America International pays out 27.1% of its earnings in the form of a dividend. Stonegate Mortgage has increased its dividend for 2 consecutive years.

Stonegate Mortgage Company Profile

Stonegate Mortgage Corporation is a non-bank mortgage company. The Company is focused on originating, financing and servicing the United States residential mortgage loans. The Company’s segments include Originations, Servicing, Financing and Other. The Originations segment primarily originates and sells residential mortgage loans, which conform to the underwriting guidelines of the government sponsored enterprises and government agencies, and non-agency whole loan investors. The Servicing segment includes loan administration, collection and default activities, including the collection and remittance of loan payments, responding to customer inquiries, collection of principal and interest payments, holding custodial funds for the payment of property taxes and insurance premiums, counseling delinquent mortgagors and modifying loans. The Financing segment includes warehouse-lending activities to correspondent customers by the Company’s subsidiary, NattyMac, LLC.

Cash America International Company Profile

Cash America International, Inc. provides specialty financial services to individuals through its storefront lending and franchised check cashing locations. The Company offers secured non-recourse loans, referred to as pawn loans, as its primary line of business. The Company is also engaged in originating, arranging, guaranteeing or purchasing consumer loans in some of its locations. The Company also offers check cashing and other ancillary products and services, including money orders, wire transfers and auto insurance. The Company’s franchised check cashing business offers check cashing services through its franchised check cashing centers. The Company provides its services in the United States under the names Cash America Pawn, SuperPawn, Cash America Payday Advance, Cashland and Mr. Payroll. The Company is engaged in pawn lending activities, merchandise disposition activities, consumer loan activities and check cashing and other financial services.

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