LC vs. NNI, BFH, ENVA, OCSL, LPRO, WRLD, 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), Open Lending (LPRO), World Acceptance (WRLD), 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 investment? We will contrast the two companies based on the strength of their profitability, earnings, valuation, media sentiment, analyst recommendations, dividends, risk, community ranking and institutional ownership.
Nelnet has higher revenue and earnings than LendingClub. LendingClub is trading at a lower price-to-earnings ratio than Nelnet, indicating that it is currently the more affordable of the two stocks.
In the previous week, LendingClub had 2 more articles in the media than Nelnet. MarketBeat recorded 4 mentions for LendingClub and 2 mentions for Nelnet. LendingClub's average media sentiment score of 0.83 beat Nelnet's score of 0.17 indicating that Nelnet is being referred to more favorably in the media.
Nelnet currently has a consensus price target of $96.00, indicating a potential downside of 8.78%. LendingClub has a consensus price target of $11.42, indicating a potential upside of 26.78%. Given Nelnet's stronger consensus rating and higher possible upside, analysts plainly believe LendingClub is more favorable than Nelnet.
Nelnet has a beta of 0.84, suggesting that its share price is 16% less volatile than the S&P 500. Comparatively, LendingClub has a beta of 2, suggesting that its share price is 100% more volatile than the S&P 500.
33.5% of Nelnet shares are owned by institutional investors. Comparatively, 74.1% of LendingClub shares are owned by institutional investors. 50.1% of Nelnet shares are owned by company insiders. Comparatively, 3.3% of LendingClub shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company will outperform the market over the long term.
LendingClub received 305 more outperform votes than Nelnet when rated by MarketBeat users. However, 66.84% of users gave Nelnet an outperform vote while only 60.86% 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.
Summary
Nelnet beats LendingClub on 11 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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