Comparing Elevate Credit (ELVT) & John Wiley & Sons (JW.A)
Elevate Credit (NYSE: ELVT) and John Wiley & Sons (NYSE:JW.A) are both finance companies, but which is the superior investment? We will contrast the two businesses based on the strength of their risk, analyst recommendations, earnings, dividends, valuation, profitability and institutional ownership.
Valuation and Earnings
This table compares Elevate Credit and John Wiley & Sons’ revenue, earnings per share (EPS) and valuation.
|Gross Revenue||Price/Sales Ratio||EBITDA||Earnings Per Share||Price/Earnings Ratio|
|Elevate Credit||$629.78 million||0.44||$59.10 million||N/A||N/A|
|John Wiley & Sons||N/A||N/A||N/A||$1.96||N/A|
Elevate Credit has higher revenue and earnings than John Wiley & Sons.
John Wiley & Sons pays an annual dividend of $1.28 per share. Elevate Credit does not pay a dividend. John Wiley & Sons pays out 65.3% of its earnings in the form of a dividend.
This is a breakdown of recent recommendations and price targets for Elevate Credit and John Wiley & Sons, as reported by MarketBeat.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|John Wiley & Sons||0||1||1||0||2.50|
Elevate Credit currently has a consensus price target of $11.00, suggesting a potential upside of 53.42%. John Wiley & Sons has a consensus price target of $54.00, suggesting a potential upside of Infinity. Given John Wiley & Sons’ higher probable upside, analysts clearly believe John Wiley & Sons is more favorable than Elevate Credit.
Insider & Institutional Ownership
0.3% of Elevate Credit shares are owned by institutional investors. Comparatively, 74.6% of John Wiley & Sons shares are owned by institutional investors. 7.5% of John Wiley & Sons shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company is poised for long-term growth.
This table compares Elevate Credit and John Wiley & Sons’ net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|John Wiley & Sons||6.61%||17.39%||6.17%|
John Wiley & Sons beats Elevate Credit on 6 of the 10 factors compared between the two stocks.
Elevate Credit Company Profile
Elevate Credit, Inc. provides online credit solutions to non-prime consumers, typically defined as those with credit scores of less than 700. The Company uses advanced technology risk analytics to provide financial options to its customers, who are not well-served by either banks or legacy non-prime lenders. It offers online installment loans and lines of credit in the United States, and the United Kingdom. Its products, Rise, Elastic and Sunny, provide customers with access to priced credit and services while helping them with credit building and financial wellness features. Its products include credit building and financial wellness programs, such as credit reporting, free credit monitoring (in the United States) and online financial literacy videos and tools. Rise is an installment loan product. As of March 31, 2016, Rise was available in 15 states in the United States. Sunny is the Company’s United Kingdom installment loan product.
John Wiley & Sons Company Profile
John Wiley & Sons, Inc. provides knowledge and knowledge-enabled services in the areas of research, professional practice and education. The Company operates through three segments: Research, Professional Development and Education. Through the Research segment, the Company provides digital and print scientific, technical, medical and scholarly journals, reference works, books, database services and advertising. The Professional Development segment provides digital and print books, corporate learning solutions, employment talent solutions and training services, and test prep and certification. In the Education segment, the Company provides print and digital content, and education solutions, including online program management services for higher education institutions and course management tools for instructors and students. The Company is engaged in developing and cross-marketing products to its customer base of researchers, professionals, students and educators.
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