Curo Group (CURO) versus Yintech Investment (YIN) Critical Review

Curo Group (NYSE: CURO) and Yintech Investment (NASDAQ:YIN) are both small-cap finance companies, but which is the superior stock? We will contrast the two businesses based on the strength of their analyst recommendations, profitability, institutional ownership, risk, dividends, valuation and earnings.

Analyst Recommendations

This is a breakdown of current ratings and price targets for Curo Group and Yintech Investment, as provided by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Curo Group 0 0 5 0 3.00
Yintech Investment 0 0 1 0 3.00

Curo Group presently has a consensus price target of $19.67, suggesting a potential upside of 20.58%. Yintech Investment has a consensus price target of $15.00, suggesting a potential upside of 70.45%. Given Yintech Investment’s higher probable upside, analysts plainly believe Yintech Investment is more favorable than Curo Group.

Dividends

Yintech Investment pays an annual dividend of $0.80 per share and has a dividend yield of 9.1%. Curo Group does not pay a dividend. Yintech Investment pays out 46.2% of its earnings in the form of a dividend.

Valuation & Earnings

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

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Curo Group N/A N/A N/A N/A N/A
Yintech Investment $391.70 million 1.58 $134.04 million $1.73 5.09

Yintech Investment has higher revenue and earnings than Curo Group.

Institutional and Insider Ownership

29.7% of Curo Group shares are owned by institutional investors. Comparatively, 1.3% of Yintech Investment shares are owned by institutional investors. 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.

Profitability

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

Net Margins Return on Equity Return on Assets
Curo Group N/A N/A N/A
Yintech Investment 27.84% 26.59% 22.91%

Summary

Yintech Investment beats Curo Group on 6 of the 9 factors compared between the two stocks.

Curo Group Company Profile

CURO Group Holdings Corp. is a technology enabled and diversified consumer finance company. The Company operates in the United States under two principal brands, Speedy Cash and Rapid Cash, and Avio Credit. In the United Kingdom, the Company operates online as Wage Day Advance and Juo Loans. The Company has three reportable operating segments: the United States, Canada and the United Kingdom. The Company offers a broad range of consumer finance products, including Unsecured Installment Loans, Secured Installment Loans, Open-End Loans and Single-Pay Loans.

Yintech Investment Company Profile

Yintech Investment Holdings Limited is an online provider of spot commodity trading services in China. The Company facilitates the trading by individual customers of silver, gold, and other precious metals and commodities on the Shanghai Gold Exchange, the Tianjin Precious Metals Exchange and the Guangdong Precious Metals Exchange. The Company provides its customers with various services, such as account opening, investor education, market information, research, live discussion boards and real-time customer support. On the Tianjin Precious Metals Exchange and the Guangdong Precious Metals Exchange, the Company serves as counterparty to its customers’ trades. On the Shanghai Gold Exchange, the Company serves as an agent and does not hold principal positions. The Company’s services include investor education, market information provision and research. Its research services include research reports, online lectures, live market commentaries and quantitative analysis.

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