Head to Head Review: Cash America International (CSH) vs. its Rivals
Cash America International (NYSE: CSH) is one of 27 public companies in the “Consumer Lending” industry, but how does it compare to its competitors? We will compare Cash America International to similar companies based off the strength of its institutional ownership, earnings, dividends, risk, valuation, profitability and analyst recommendations.
Insider and Institutional Ownership
77.6% of shares of all “Consumer Lending” companies are held by institutional investors. 15.2% of shares of all “Consumer Lending” companies are held by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company will outperform the market over the long term.
This is a summary of recent ratings for Cash America International and its competitors, as reported by MarketBeat.com.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|Cash America International||0||0||1||0||3.00|
|Cash America International Competitors||191||739||1064||58||2.48|
Cash America International presently has a consensus price target of $57.00, suggesting a potential upside of 35.07%. All “Consumer Lending” companies have a potential upside of 57.35%. Given Cash America International’s competitors higher possible upside, analysts plainly believe Cash America International has less favorable growth aspects than its competitors.
Cash America International pays an annual dividend of $0.32 per share and has a dividend yield of 0.8%. Cash America International pays out 27.1% of its earnings in the form of a dividend. As a group, “Consumer Lending” companies pay a dividend yield of 1.7% and pay out 25.6% of their earnings in the form of a dividend. Cash America International has raised its dividend for 2 consecutive years. Cash America International lags its competitors as a dividend stock, given its lower dividend yield and higher payout ratio.
Earnings and Valuation
This table compares Cash America International and its competitors revenue, earnings per share and valuation.
|Gross Revenue||EBITDA||Price/Earnings Ratio|
|Cash America International||N/A||N/A||35.76|
|Cash America International Competitors||$564.69 million||$93.09 million||15.66|
Cash America International’s competitors have higher revenue and earnings than Cash America International. Cash America International is trading at a higher price-to-earnings ratio than its competitors, indicating that it is currently the more expensive than other companies in its industry.
Risk & Volatility
Cash America International has a beta of 0.89, indicating that its share price is 11% less volatile than the S&P 500. Comparatively, Cash America International’s competitors have a beta of 1.48, indicating that their average share price is 48% more volatile than the S&P 500.
This table compares Cash America International and its competitors’ 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%|
|Cash America International Competitors||-28.26%||-17.28%||0.63%|
Cash America International competitors beat Cash America International on 8 of the 13 factors compared.
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.
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