Cash America International (CSH) vs. PHH Corp (NYSE:PHH) Head-To-Head Contrast
Cash America International (NYSE: CSH) and PHH Corp (NYSE:PHH) are both financials companies, but which is the superior stock? We will compare the two companies based on the strength of their earnings, institutional ownership, dividends, risk, valuation, profitabiliy and analyst recommendations.
Earnings and Valuation
This table compares Cash America International and PHH Corp’s gross revenue, earnings per share and valuation.
|Gross Revenue||Price/Sales Ratio||EBITDA||Earnings Per Share||Price/Earnings Ratio|
|Cash America International||N/A||N/A||N/A||$1.18||35.76|
|PHH Corp||$725.00 million||1.02||-$239.11 million||($4.46)||-3.10|
Cash America International has higher revenue, but lower earnings than PHH Corp. PHH Corp is trading at a lower price-to-earnings ratio than Cash America International, indicating that it is currently the more affordable of the two stocks.
Cash America International pays an annual dividend of $0.32 per share and has a dividend yield of 0.8%. PHH Corp does not pay a dividend. Cash America International pays out 27.1% of its earnings in the form of a dividend. PHH Corp has raised its dividend for 2 consecutive years.
Volatility & Risk
Cash America International has a beta of 0.89, indicating that its share price is 11% less volatile than the S&P 500. Comparatively, PHH Corp has a beta of 1.94, indicating that its share price is 94% more volatile than the S&P 500.
Insider & Institutional Ownership
96.5% of PHH Corp shares are owned by institutional investors. 2.5% of PHH Corp shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock will outperform the market over the long term.
This table compares Cash America International and PHH Corp’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|Cash America International||0.87%||0.86%||0.64%|
This is a breakdown of current ratings and target prices for Cash America International and PHH Corp, as provided by MarketBeat.com.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|Cash America International||0||1||1||0||2.50|
Cash America International currently has a consensus price target of $57.00, suggesting a potential upside of 35.07%. PHH Corp has a consensus price target of $16.50, suggesting a potential upside of 19.22%. Given Cash America International’s stronger consensus rating and higher possible upside, equities analysts plainly believe Cash America International is more favorable than PHH Corp.
Cash America International beats PHH Corp on 7 of the 13 factors compared between the two stocks.
About Cash America International
Cash America International, Inc. provides specialty financial services to individuals through its storefront lending and franchised check cashing locations. The Company offers secured non-recourse loans, referred to as pawn loans, as its primary line of business. The Company is also engaged in originating, arranging, guaranteeing or purchasing consumer loans in some of its locations. The Company also offers check cashing and other ancillary products and services, including money orders, wire transfers and auto insurance. The Company’s franchised check cashing business offers check cashing services through its franchised check cashing centers. The Company provides its services in the United States under the names Cash America Pawn, SuperPawn, Cash America Payday Advance, Cashland and Mr. Payroll. The Company is engaged in pawn lending activities, merchandise disposition activities, consumer loan activities and check cashing and other financial services.
About PHH Corp
PHH Corporation is a standalone mortgage company. The Company provides outsourced mortgage banking services to a range of clients, including financial institutions and real estate brokers throughout the United States, and is focused on originating, selling, servicing and subservicing residential mortgage loans through its subsidiary, PHH Mortgage Corporation and its subsidiaries. It operates through two segments: Mortgage Production and Mortgage Servicing. The Mortgage Production segment provides mortgage loan origination services and sells mortgage loans. The Mortgage Servicing segment performs servicing activities for loans originated by the Company and mortgage servicing rights purchased from others, and acts as a subservicer for certain clients that own the underlying mortgage servicing rights. The Mortgage Production segment provides private label mortgage services to financial institutions and real estate brokers, and sources mortgage loans through its retail platform.
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