LC vs. NNI, BFH, ENVA, OCSL, WRLD, LPRO, ATLC, RM, DFS, and AFRM
Should you be buying LendingClub stock or one of its competitors? The main competitors of LendingClub include Nelnet (NNI), Bread Financial (BFH), Enova International (ENVA), Oaktree Specialty Lending (OCSL), World Acceptance (WRLD), Open Lending (LPRO), Atlanticus (ATLC), Regional Management (RM), Discover Financial Services (DFS), and Affirm (AFRM). These companies are all part of the "personal credit institutions" industry.
Nelnet (NYSE:NNI) and LendingClub (NYSE:LC) are both finance companies, but which is the superior business? We will compare the two companies based on the strength of their valuation, community ranking, dividends, risk, media sentiment, institutional ownership, earnings, profitability and analyst recommendations.
33.5% of Nelnet shares are held by institutional investors. Comparatively, 74.1% of LendingClub shares are held by institutional investors. 50.1% of Nelnet shares are held by company insiders. Comparatively, 3.3% of LendingClub shares are held by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock is poised for long-term growth.
Nelnet has higher revenue and earnings than LendingClub. Nelnet is trading at a lower price-to-earnings ratio than LendingClub, indicating that it is currently the more affordable of the two stocks.
Nelnet presently has a consensus target price of $96.00, suggesting a potential downside of 14.81%. LendingClub has a consensus target price of $11.29, suggesting a potential upside of 3.92%. Given Nelnet's stronger consensus rating and higher probable upside, analysts plainly believe LendingClub is more favorable than Nelnet.
In the previous week, LendingClub had 3 more articles in the media than Nelnet. MarketBeat recorded 6 mentions for LendingClub and 3 mentions for Nelnet. Nelnet's average media sentiment score of 0.75 beat LendingClub's score of -0.26 indicating that LendingClub is being referred to more favorably in the news media.
LendingClub received 307 more outperform votes than Nelnet when rated by MarketBeat users. However, 66.84% of users gave Nelnet an outperform vote while only 60.94% of users gave LendingClub an outperform vote.
Nelnet has a net margin of 6.54% compared to Nelnet's net margin of 4.69%. LendingClub's return on equity of 4.17% beat Nelnet's return on equity.
Nelnet has a beta of 0.91, meaning that its stock price is 9% less volatile than the S&P 500. Comparatively, LendingClub has a beta of 2.06, meaning that its stock price is 106% more volatile than the S&P 500.
Summary
Nelnet and LendingClub tied by winning 9 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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