Elevate Credit (NYSE: ELVT) and S&P Global (NYSE:SPGI) are both finance companies, but which is the better stock? We will compare the two companies based on the strength of their analyst recommendations, institutional ownership, valuation, profitability, dividends, risk and earnings.

Analyst Ratings

This is a breakdown of current ratings and target prices for Elevate Credit and S&P Global, as provided by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Elevate Credit 0 2 6 0 2.75
S&P Global 0 1 7 0 2.88

Elevate Credit currently has a consensus price target of $10.64, suggesting a potential upside of 75.05%. S&P Global has a consensus price target of $153.13, suggesting a potential downside of 0.57%. Given Elevate Credit’s higher probable upside, research analysts plainly believe Elevate Credit is more favorable than S&P Global.

Dividends

S&P Global pays an annual dividend of $1.64 per share and has a dividend yield of 1.1%. Elevate Credit does not pay a dividend. S&P Global pays out 19.2% of its earnings in the form of a dividend.

Earnings & Valuation

This table compares Elevate Credit and S&P Global’s gross revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio EBITDA Earnings Per Share Price/Earnings Ratio
Elevate Credit $629.78 million 0.40 $58.65 million N/A N/A
S&P Global $5.80 billion 6.82 $2.66 billion $8.56 17.99

S&P Global has higher revenue and earnings than Elevate Credit.

Insider & Institutional Ownership

51.9% of Elevate Credit shares are owned by institutional investors. Comparatively, 85.4% of S&P Global shares are owned by institutional investors. 0.2% of S&P Global shares are owned by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock is poised for long-term growth.

Profitability

This table compares Elevate Credit and S&P Global’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Elevate Credit N/A -42.13% -2.78%
S&P Global 38.78% 202.37% 18.20%

Summary

S&P Global beats Elevate Credit on 11 of the 13 factors compared between the two stocks.

About Elevate Credit

Elevate Credit, Inc. provides online credit solutions to non-prime consumers, typically defined as those with credit scores of less than 700. The Company uses advanced technology risk analytics to provide financial options to its customers, who are not well-served by either banks or legacy non-prime lenders. It offers online installment loans and lines of credit in the United States, and the United Kingdom. Its products, Rise, Elastic and Sunny, provide customers with access to priced credit and services while helping them with credit building and financial wellness features. Its products include credit building and financial wellness programs, such as credit reporting, free credit monitoring (in the United States) and online financial literacy videos and tools. Rise is an installment loan product. As of March 31, 2016, Rise was available in 15 states in the United States. Sunny is the Company’s United Kingdom installment loan product.

About S&P Global

S&P Global Inc., formerly McGraw Hill Financial Inc., is a provider of ratings, benchmarks, analytics and data to the capital and commodity markets around the world. The Company operates through three segments: Ratings, which provides credit ratings, research and analytics to investors, issuers and other market participants; Market and Commodities Intelligence, which offers multi-asset-class data, research and analytical capabilities that integrate cross-asset analytics and desktop services, and deliver their customers in the commodity and energy markets access to information, data, analytic services and pricing and benchmarks, and S&P Dow Jones Indices (Indices), which is an index provider that maintains a range of valuation and index benchmarks for investment advisors, wealth managers and institutional investors. The Company’s subsidiary, CRISIL Limited (CRISIL), is a global analytical company and a provider of ratings, data and research, analytics and solutions.

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