Contrasting HARGREAVES LANS/ADR (HRGLY) and Elevate Credit (ELVT)

HARGREAVES LANS/ADR (OTCMKTS:HRGLY) and Elevate Credit (NYSE:ELVT) are both finance companies, but which is the better business? We will contrast the two companies based on the strength of their earnings, institutional ownership, risk, analyst recommendations, dividends, valuation and profitability.

Analyst Ratings

This is a breakdown of current ratings and price targets for HARGREAVES LANS/ADR and Elevate Credit, as reported by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
HARGREAVES LANS/ADR 1 0 0 0 1.00
Elevate Credit 0 6 2 0 2.25



Elevate Credit has a consensus target price of $7.17, indicating a potential upside of 52.79%. Given Elevate Credit’s stronger consensus rating and higher possible upside, analysts plainly believe Elevate Credit is more favorable than HARGREAVES LANS/ADR.

Profitability

This table compares HARGREAVES LANS/ADR and Elevate Credit’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
HARGREAVES LANS/ADR N/A N/A N/A
Elevate Credit 2.09% 18.78% 2.92%

Earnings & Valuation

This table compares HARGREAVES LANS/ADR and Elevate Credit’s revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
HARGREAVES LANS/ADR $602.86 million 23.41 $318.29 million $1.34 44.40
Elevate Credit $786.68 million 0.26 $12.51 million $0.39 12.03

HARGREAVES LANS/ADR has higher earnings, but lower revenue than Elevate Credit. Elevate Credit is trading at a lower price-to-earnings ratio than HARGREAVES LANS/ADR, indicating that it is currently the more affordable of the two stocks.

Dividends

HARGREAVES LANS/ADR pays an annual dividend of $0.49 per share and has a dividend yield of 0.8%. Elevate Credit does not pay a dividend. HARGREAVES LANS/ADR pays out 36.6% of its earnings in the form of a dividend.

Volatility & Risk

HARGREAVES LANS/ADR has a beta of 1.34, suggesting that its stock price is 34% more volatile than the S&P 500. Comparatively, Elevate Credit has a beta of 1.76, suggesting that its stock price is 76% more volatile than the S&P 500.

Insider & Institutional Ownership

48.2% of Elevate Credit shares are held by institutional investors. 17.0% of Elevate Credit shares are held by 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.

Summary

Elevate Credit beats HARGREAVES LANS/ADR on 11 of the 16 factors compared between the two stocks.

HARGREAVES LANS/ADR Company Profile

Hargreaves Lansdown plc provides direct-to-investor investment services for individuals and corporates in the United Kingdom and Poland. Its flagship service is Vantage, a direct-to-investor platform. The company offers stocks and shares individual savings accounts (ISAs), fund and share accounts, self-invested personal pensions (SIPPs), and lifetime ISAs. It also provides pension services, including SIPPs, annuities, drawdown, and mix and match pensions; share dealing services, such as overseas share dealing, initial public offerings and share offers, certificated share dealing, and exchange traded funds and exchange traded commodities/currencies; and fund dealing services. In addition, the company offers personal and business currency services; Junior ISA, SIPP, and investment accounts; and financial advisory services comprising investment management, lump sum investment, pension consolidation, portfolio restructuring, retirement planning, and estate planning services. Hargreaves Lansdown plc was founded in 1981 and is headquartered in Bristol, the United Kingdom.

Elevate Credit Company Profile

Elevate Credit, Inc. provides online credit solutions to non-prime consumers in the United States and the United Kingdom. The company offers unsecured online installment loans, lines of credit, and credit cards. Its products include Rise installment loan and line of credit products; Elastic, a line of credit product; Sunny, an installment loan product; and Today Card, a credit card product. The company was incorporated in 2014 and is headquartered in Fort Worth, Texas.

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