CURO Group (NYSE: CURO) and Green Dot (NYSE:GDOT) are both finance companies, but which is the superior business? We will contrast the two businesses based on the strength of their institutional ownership, analyst recommendations, profitability, valuation, earnings, dividends and risk.

Analyst Ratings

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This is a summary of current ratings and target prices for CURO Group and Green Dot, as provided by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
CURO Group 0 0 5 0 3.00
Green Dot 0 6 9 0 2.60

CURO Group currently has a consensus price target of $20.50, indicating a potential upside of 11.84%. Green Dot has a consensus price target of $62.46, indicating a potential downside of 0.85%. Given CURO Group’s stronger consensus rating and higher possible upside, research analysts plainly believe CURO Group is more favorable than Green Dot.

Profitability

This table compares CURO Group and Green Dot’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
CURO Group N/A N/A N/A
Green Dot 9.65% 12.32% 4.64%

Insider and Institutional Ownership

42.7% of CURO Group shares are owned by institutional investors. Comparatively, 82.0% of Green Dot shares are owned by institutional investors. 48.4% of CURO Group shares are owned by company insiders. Comparatively, 11.0% of Green Dot 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.

Valuation & Earnings

This table compares CURO Group and Green Dot’s revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
CURO Group $963.63 million 0.85 $49.15 million $1.84 9.96
Green Dot $890.15 million 3.63 $85.88 million $1.58 39.87

Green Dot has lower revenue, but higher earnings than CURO Group. CURO Group is trading at a lower price-to-earnings ratio than Green Dot, indicating that it is currently the more affordable of the two stocks.

Summary

Green Dot beats CURO Group on 8 of the 13 factors compared between the two stocks.

CURO Group Company Profile

CURO Group Holdings Corp. provides consumer finance to a range of underbanked consumers in the United States, Canada, and the United Kingdom. It offers unsecured installment loans, secured installment loans, open-end loans, and single-pay loans, as well as ancillary financial products, including check cashing, proprietary reloadable prepaid debit cards, credit protection insurance, gold buying, retail installment sales, and money transfer services. The company operates under the Speedy Cash, Rapid Cash, Avio Credit, and Cash Money brands; and online as Wage Day Advance, as well as offers installment loans online under the LendDirect brand. The company was formerly known as Speedy Group Holdings Corp. and changed its name to CURO Group Holdings Corp. in May 2016. CURO Group Holdings Corp. was founded in 1997 and is based in Wichita, Kansas.

Green Dot Company Profile

Green Dot Corporation, together with its subsidiaries, operates as a pro-consumer bank holding company that provides personal banking for the masses. It operates through two segments, Account Services and Processing, and Settlement Services. The company offers deposit as account programs, such reloadable prepaid debit cards under the consumer brand names of GPR cards, consumer checking accounts, small business checking accounts, network-branded gift cards, secured credit cards, and other financial services. It also provides swipe reload system for crediting cash onto an enabled payment card by swiping the payment card at the point of sale through Green Dot Network; MoneyPak, a product that allows a consumer to add funds to accounts; and e-cash remittance, a service that allows a consumer to transfer funds to a smartphone, as well as offers disbursement services through Simply Paid platform. The company, through its subsidiary, Green Dot Bank, provides prepaid cards, debit cards, checking accounts, secured credit cards, payroll debit cards, consumer cash processing services, wage disbursements, and tax refund processing services, as well as issuing, settlement, and capital management services. In addition, it offers mobile banking, loan disbursement accounts, mobile P2P, money transfer, instant payment, and processing and settlement services. It markets and sells its products and services through approximately 100,000 retail stores, various direct-to-consumer Websites, thousands of tax preparation offices, and various apps available in the 2 app stores, as well as distributes through various enterprise-scale ?Banking as a Service' partnerships, and Green Dot, a banking franchise in the United States. The company was formerly known as Next Estate Communications, Inc. and changed its name to Green Dot Corporation in October 2005. Green Dot Corporation was incorporated in 1999 and is headquartered in Pasadena, California.

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