Cash America International (NYSE: CSH) is one of 27 publicly-traded companies in the “Consumer Lending” industry, but how does it weigh in compared to its competitors? We will compare Cash America International to related businesses based on the strength of its valuation, institutional ownership, analyst recommendations, risk, earnings, profitability and dividends.

Analyst Recommendations

This is a breakdown of current ratings and recommmendations for Cash America International and its competitors, as reported by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Cash America International 0 0 1 0 3.00
Cash America International Competitors 194 750 1073 58 2.48

Cash America International presently has a consensus price target of $57.00, suggesting a potential upside of 35.07%. As a group, “Consumer Lending” companies have a potential upside of 50.44%. Given Cash America International’s competitors higher possible upside, analysts clearly believe Cash America International has less favorable growth aspects than its competitors.

Valuation and Earnings

This table compares Cash America International and its competitors gross revenue, earnings per share (EPS) and valuation.

Gross Revenue EBITDA Price/Earnings Ratio
Cash America International N/A N/A 35.76
Cash America International Competitors $564.84 million $92.07 million 16.64

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 more expensive than other companies in its industry.

Institutional & Insider Ownership

77.5% of shares of all “Consumer Lending” companies are owned by institutional investors. 15.2% of shares of all “Consumer Lending” companies are owned by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock will outperform the market over the long term.

Dividends

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 1.6% 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.

Profitability

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%

Risk and Volatility

Cash America International has a beta of 0.89, meaning 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, meaning that their average share price is 48% more volatile than the S&P 500.

Summary

Cash America International competitors beat Cash America International on 8 of the 13 factors compared.

Cash America International Company Profile

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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