LendingClub (NYSE:LC) and International Money Express (NASDAQ:IMXI) are both small-cap finance companies, but which is the better business? We will compare the two businesses based on the strength of their analyst recommendations, profitability, dividends, earnings, valuation, institutional ownership and risk.
Insider & Institutional Ownership
37.2% of International Money Express shares are owned by institutional investors. 4.2% of LendingClub shares are owned by company insiders. Comparatively, 43.1% of International Money Express shares are owned by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company is poised for long-term growth.
This is a summary of recent ratings and recommmendations for LendingClub and International Money Express, as reported by MarketBeat.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|International Money Express||0||0||5||0||3.00|
LendingClub currently has a consensus price target of $21.67, indicating a potential upside of 46.89%. International Money Express has a consensus price target of $17.00, indicating a potential upside of 36.22%. Given LendingClub’s higher possible upside, equities analysts plainly believe LendingClub is more favorable than International Money Express.
Volatility and Risk
LendingClub has a beta of 1.6, indicating that its stock price is 60% more volatile than the S&P 500. Comparatively, International Money Express has a beta of -0.23, indicating that its stock price is 123% less volatile than the S&P 500.
Valuation & Earnings
This table compares LendingClub and International Money Express’ gross revenue, earnings per share (EPS) and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|LendingClub||$694.81 million||1.85||-$128.30 million||($0.35)||-42.14|
|International Money Express||$273.90 million||1.73||-$7.24 million||($0.05)||-249.60|
International Money Express has lower revenue, but higher earnings than LendingClub. International Money Express is trading at a lower price-to-earnings ratio than LendingClub, indicating that it is currently the more affordable of the two stocks.
This table compares LendingClub and International Money Express’ net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|International Money Express||0.56%||24.08%||4.02%|
International Money Express beats LendingClub on 9 of the 14 factors compared between the two stocks.
LendingClub Corporation operates an online lending marketplace platform that connects borrowers and investors in the United States. The company's marketplace facilitates various types of loan products for consumers and small businesses, including unsecured personal loans, unsecured education and patient installment loans, auto refinance loans, and small business loans. It also enables investors to invest in a range of loans based on term and credit. The company was founded in 2006 and is headquartered in San Francisco, California.
About International Money Express
International Money Express, Inc., through its subsidiary, operates as a money remittance services company in the United States, Latin America, Mexico, Central and South America, and the Caribbean. The company offers remittance services, including a suite of ancillary financial processing solutions and payment services. It provides services through sending and paying agents and company-operated stores, as well as through online and Internet-enabled mobile devices. The company was formerly known as FinTech Acquisition Corp. II. International Money Express, Inc. is headquartered in Miami, Florida.
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