CreditRiskMonitor.Com (OTCMKTS:CRMZ) and Equifax (NYSE:EFX) are both computer and technology companies, but which is the better investment? We will compare the two companies based on the strength of their earnings, analyst recommendations, institutional ownership, risk, valuation, dividends and profitability.
Risk and Volatility
CreditRiskMonitor.Com has a beta of -1.32, meaning that its share price is 232% less volatile than the S&P 500. Comparatively, Equifax has a beta of 1.12, meaning that its share price is 12% more volatile than the S&P 500.
This table compares CreditRiskMonitor.Com and Equifax’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
CreditRiskMonitor.Com pays an annual dividend of $0.05 per share and has a dividend yield of 2.3%. Equifax pays an annual dividend of $1.56 per share and has a dividend yield of 1.5%. Equifax pays out 26.1% of its earnings in the form of a dividend.
Valuation & Earnings
This table compares CreditRiskMonitor.Com and Equifax’s top-line revenue, earnings per share (EPS) and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|Equifax||$3.36 billion||3.71||$587.30 million||$5.97||17.31|
Equifax has higher revenue and earnings than CreditRiskMonitor.Com.
This is a summary of recent recommendations for CreditRiskMonitor.Com and Equifax, as provided by MarketBeat.com.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
Equifax has a consensus price target of $126.09, indicating a potential upside of 22.04%. Given Equifax’s higher probable upside, analysts plainly believe Equifax is more favorable than CreditRiskMonitor.Com.
Insider and Institutional Ownership
91.9% of Equifax shares are held by institutional investors. 62.6% of CreditRiskMonitor.Com shares are held by insiders. Comparatively, 1.5% of Equifax shares are held by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company is poised for long-term growth.
Equifax beats CreditRiskMonitor.Com on 10 of the 13 factors compared between the two stocks.
CreditRiskMonitor.Com Company Profile
CreditRiskMonitor.com, Inc. provides interactive business-to-business Internet-based services for corporate credit and procurement professionals worldwide. It publishes commercial credit reports of public and private companies, which features the analysis of financial statements, including ratio analysis and trend reports, peer analyses, FRISK scores, PAYCE reports, and Altman Z default scores, as well as issuer ratings of Moody's Investors Service, Standard & Poor's, and Fitch Ratings. The company also provides Institutional Risk Analytics counterparty quality scores and financial data from the Federal Financial Institutions Examination Council call reports covering banks; and company background information and trade payment reports, as well as public filings, such as suits, liens, judgments, and bankruptcy information on millions of companies in the United States. In addition, it provides alerts on topics, including FRISK score reports, credit limit alerts, financial statement updates, SEC filings, and rating changes, as well as operates as a re-distributor of international credit reports. CreditRiskMonitor.com, Inc. was founded in 1977 and is based in Valley Cottage, New York.
Equifax Company Profile
Equifax Inc. provides information solutions and human resources business process outsourcing services for businesses, governments, and consumers. The company operates through four segments: U.S. Information Solutions (USIS), International, Workforce Solutions, and Global Consumer Solutions. The USIS segment offers consumer and commercial information services, such as credit information and credit scoring, credit modeling and portfolio analytics, locate, fraud detection and prevention, identity verification, and other consulting; mortgage loan origination information; financial marketing; and identity management services. The International segment provides information service products, which include consumer and commercial services, such as credit and financial information, and credit scoring and modeling; and credit and other marketing products and services, as well as offers information, technology, and services to support debt collections and recovery management. The Workforce Solutions segment provides employment, income, and social security number verification services; and payroll-based transaction and employment tax management services. The Global Consumer Solutions segment offers credit information, credit monitoring, and identity theft protection products directly to consumers through the Internet and hard-copy formats. It serves customers in financial service, mortgage, employers, consumer, commercial, telecommunication, retail, automotive, utility, brokerage, healthcare, and insurance industries, as well as state and federal governments. The company operates in the United States, Canada, Australia, New Zealand, the United Kingdom, Spain, Portugal, Argentina, Brazil, Chile, Costa Rica, Ecuador, El Salvador, Honduras, Mexico, Paraguay, Uruguay, Peru, the Republic of Ireland, Russia, India, Cambodia, Malaysia, Singapore, and Dubai. Equifax Inc. was founded in 1899 and is headquartered in Atlanta, Georgia.
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