PSM HOLDINGS In/SH (PSMH) versus Ocwen Financial (OCN) Financial Analysis

PSM HOLDINGS In/SH (OTCMKTS:PSMH) and Ocwen Financial (NYSE:OCN) are both finance companies, but which is the superior investment? We will contrast the two companies based on the strength of their risk, earnings, valuation, analyst recommendations, institutional ownership, profitability and dividends.

Analyst Ratings

This is a summary of current recommendations and price targets for PSM HOLDINGS In/SH and Ocwen Financial, as provided by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
PSM HOLDINGS In/SH 0 0 0 0 N/A
Ocwen Financial 0 2 0 0 2.00

Ocwen Financial has a consensus target price of $4.00, indicating a potential upside of 89.57%. Given Ocwen Financial’s higher probable upside, analysts clearly believe Ocwen Financial is more favorable than PSM HOLDINGS In/SH.

Volatility and Risk

PSM HOLDINGS In/SH has a beta of 5.75, suggesting that its share price is 475% more volatile than the S&P 500. Comparatively, Ocwen Financial has a beta of 1.09, suggesting that its share price is 9% more volatile than the S&P 500.

Institutional & Insider Ownership

57.8% of Ocwen Financial shares are owned by institutional investors. 71.1% of PSM HOLDINGS In/SH shares are owned by insiders. Comparatively, 0.7% of Ocwen Financial shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock will outperform the market over the long term.

Valuation and Earnings

This table compares PSM HOLDINGS In/SH and Ocwen Financial’s gross revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
PSM HOLDINGS In/SH N/A N/A N/A N/A N/A
Ocwen Financial $1.19 billion 0.24 -$127.96 million N/A N/A

PSM HOLDINGS In/SH has higher earnings, but lower revenue than Ocwen Financial.

Profitability

This table compares PSM HOLDINGS In/SH and Ocwen Financial’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
PSM HOLDINGS In/SH N/A N/A N/A
Ocwen Financial -10.97% -13.76% -0.95%

Summary

PSM HOLDINGS In/SH beats Ocwen Financial on 5 of the 8 factors compared between the two stocks.

PSM HOLDINGS In/SH Company Profile

PSM Holdings, Inc. originates mortgage loans in the United States. It funds its mortgage loans either directly off its warehouse lines of credit or through brokering transactions to other third parties. The company solicits and receives applications for secured residential mortgage loans; and provides mortgage banking services. It operates through a network of approximately 26 offices located in Arizona, Arkansas, California, Colorado, Florida, Kansas, Missouri, Montana, New Jersey, New Mexico, North Dakota, Oklahoma, Oregon, Texas, Utah, Washington, and Virginia. The company is based in Murrieta, California.

Ocwen Financial Company Profile

Ocwen Financial Corporation, a financial services holding company, originates and services loans in the United States, the United States Virgin Islands, India, and Philippines. Its Servicing segment provides residential and commercial mortgage loan servicing, special servicing, and asset management services to owners of mortgage loans and foreclosed real estate. This segment's residential servicing portfolio includes conventional, government insured, and non-agency loans. The company's Lending segment originates and purchases conventional and government-insured residential forward and reverse mortgage loans primarily through its correspondent lending arrangements, broker relationships, and directly with mortgage customers. The company also provides short-term inventory-secured loans to independent used car dealers to finance their inventory. Ocwen Financial Corporation was founded in 1988 and is headquartered in West Palm Beach, Florida.

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