LC vs. BFH, ENVA, OCSL, LPRO, WRLD, ATLC, RM, DFS, AFRM, and CACC
Should you be buying LendingClub stock or one of its competitors? The main competitors of LendingClub include Bread Financial (BFH), Enova International (ENVA), Oaktree Specialty Lending (OCSL), Open Lending (LPRO), World Acceptance (WRLD), Atlanticus (ATLC), Regional Management (RM), Discover Financial Services (DFS), Affirm (AFRM), and Credit Acceptance (CACC). These companies are all part of the "personal credit institutions" industry.
Bread Financial (NYSE:BFH) and LendingClub (NYSE:LC) are both business services companies, but which is the superior business? We will compare the two businesses based on the strength of their earnings, analyst recommendations, risk, institutional ownership, media sentiment, valuation, dividends, community ranking and profitability.
Bread Financial has a net margin of 8.08% compared to Bread Financial's net margin of 4.69%. LendingClub's return on equity of 14.44% beat Bread Financial's return on equity.
Bread Financial currently has a consensus target price of $39.17, indicating a potential downside of 4.82%. LendingClub has a consensus target price of $11.50, indicating a potential upside of 37.40%. Given Bread Financial's stronger consensus rating and higher possible upside, analysts clearly believe LendingClub is more favorable than Bread Financial.
Bread Financial has higher revenue and earnings than LendingClub. Bread Financial is trading at a lower price-to-earnings ratio than LendingClub, indicating that it is currently the more affordable of the two stocks.
In the previous week, Bread Financial had 8 more articles in the media than LendingClub. MarketBeat recorded 13 mentions for Bread Financial and 5 mentions for LendingClub. Bread Financial's average media sentiment score of 0.93 beat LendingClub's score of 0.46 indicating that LendingClub is being referred to more favorably in the news media.
99.5% of Bread Financial shares are held by institutional investors. Comparatively, 74.1% of LendingClub shares are held by institutional investors. 0.6% of Bread Financial shares are held by company insiders. Comparatively, 3.3% of LendingClub shares are held by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock is poised for long-term growth.
LendingClub received 563 more outperform votes than Bread Financial when rated by MarketBeat users. Likewise, 60.90% of users gave LendingClub an outperform vote while only 14.89% of users gave Bread Financial an outperform vote.
Bread Financial has a beta of 1.94, indicating that its share price is 94% more volatile than the S&P 500. Comparatively, LendingClub has a beta of 2.07, indicating that its share price is 107% more volatile than the S&P 500.
Summary
LendingClub beats Bread Financial on 10 of the 18 factors compared between the two stocks.
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This chart shows the number of new MarketBeat users adding LC and its top 5 competitors to their watchlist. Each company is represented with a line over a 90 day period.
This chart shows the average media sentiment of NYSE and its competitors over the past 90 days as caculated by MarketBeat. The averaged score is equivalent to the following: Very Negative Sentiment <= -1.5, Negative Sentiment > -1.5 and <= -0.5, Neutral Sentiment > -0.5 and < 0.5, Positive Sentiment >= 0.5 and < 1.5, and Very Positive Sentiment >= 1.5.
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