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

Volatility and Risk

Wins Finance has a beta of 4.1, indicating that its stock price is 310% more volatile than the S&P 500. Comparatively, Curo Group has a beta of 3.59, indicating that its stock price is 259% more volatile than the S&P 500.

Insider and Institutional Ownership

0.1% of Wins Finance shares are held by institutional investors. Comparatively, 49.1% of Curo Group shares are held by institutional investors. 48.4% of Curo Group shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock will outperform the market over the long term.

Earnings & Valuation

This table compares Wins Finance and Curo Group’s gross revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Wins Finance $100,000.00 4,675.82 $10.49 million N/A N/A
Curo Group $1,094.31 billion 0.00 -$22.05 million $1.73 5.57

Wins Finance has higher earnings, but lower revenue than Curo Group.

Analyst Recommendations

This is a breakdown of current ratings and target prices for Wins Finance and Curo Group, as provided by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Wins Finance 0 0 0 0 N/A
Curo Group 0 0 3 0 3.00

Curo Group has a consensus target price of $29.00, indicating a potential upside of 200.83%. Given Curo Group’s higher possible upside, analysts clearly believe Curo Group is more favorable than Wins Finance.

Profitability

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

Net Margins Return on Equity Return on Assets
Wins Finance N/A N/A N/A
Curo Group -4.36% 386.32% 9.45%

Summary

Curo Group beats Wins Finance on 7 of the 11 factors compared between the two stocks.

About Wins Finance

Wins Finance Holdings Inc., through its subsidiaries, provides financing solutions for small and medium enterprises in the People's Republic of China. It offers financial guarantees, as well as financial leasing, advisory, consultancy, and agency services in Jinzhong City, Shanxi Province, and Beijing. The company is headquartered in Beijing, the People's Republic of China. Wins Finance Holdings Inc. is a subsidiary of Freeman FinTech Corporation Limited.

About Curo Group

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.

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