Curo Group (NYSE:CURO) and Mogo Finance Technology (NASDAQ:MOGO) are both small-cap finance companies, but which is the better investment? We will contrast the two companies based on the strength of their dividends, institutional ownership, analyst recommendations, valuation, profitability, earnings and risk.

Valuation & Earnings

This table compares Curo Group and Mogo Finance Technology’s top-line 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 0.58 $49.15 million $1.84 6.61
Mogo Finance Technology $37.54 million 1.80 -$15.21 million ($0.68) -4.29

Curo Group has higher revenue and earnings than Mogo Finance Technology. Mogo Finance Technology is trading at a lower price-to-earnings ratio than Curo Group, indicating that it is currently the more affordable of the two stocks.

Analyst Ratings

This is a summary of current ratings and price targets for Curo Group and Mogo Finance Technology, as provided by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Curo Group 0 0 5 0 3.00
Mogo Finance Technology 0 0 4 0 3.00

Curo Group currently has a consensus target price of $27.50, suggesting a potential upside of 125.97%. Mogo Finance Technology has a consensus target price of $7.08, suggesting a potential upside of 142.58%. Given Mogo Finance Technology’s higher probable upside, analysts clearly believe Mogo Finance Technology is more favorable than Curo Group.

Institutional and Insider Ownership

49.1% of Curo Group shares are held by institutional investors. Comparatively, 5.6% of Mogo Finance Technology shares are held by institutional investors. 48.4% of Curo Group shares are held by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock is poised for long-term growth.

Profitability

This table compares Curo Group and Mogo Finance Technology’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Curo Group -0.13% 262.11% 8.51%
Mogo Finance Technology -39.52% -1,609.72% -15.25%

Summary

Curo Group beats Mogo Finance Technology on 10 of the 12 factors compared between the two stocks.

Curo Group Company Profile

CURO Group Holdings Corp., a diversified consumer finance company, 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, Cash Money, Avío Credit, and Opt+ brands; and online as Wage Day Advance and Juo Loans, 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.

Mogo Finance Technology Company Profile

Mogo Finance Technology Inc. operates as a financial technology company in Canada. The company offers its products to help consumers enhance their financial health. It offers digital access to free monthly credit score monitoring; MogoCard, a Mogo Platinum Prepaid Visa card; MogoMoney personal loans; MogoProtect to identity fraud protection; and MogoMortgage, a digital mortgage brokerage solution. Mogo Finance Technology Inc. was founded in 2003 and is headquartered in Vancouver, Canada.

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