Critical Review: PHH Corp (PHH) vs. Its Competitors
PHH Corp (NYSE: PHH) is one of 27 publicly-traded companies in the “Consumer Lending” industry, but how does it contrast to its competitors? We will compare PHH Corp to related companies based on the strength of its dividends, risk, analyst recommendations, institutional ownership, valuation, earnings and profitability.
Volatility & Risk
PHH Corp has a beta of 1.92, meaning that its share price is 92% more volatile than the S&P 500. Comparatively, PHH Corp’s competitors have a beta of 1.48, meaning that their average share price is 48% more volatile than the S&P 500.
This is a breakdown of current ratings and price targets for PHH Corp and its competitors, as reported by MarketBeat.com.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|PHH Corp Competitors||192||744||1065||58||2.48|
PHH Corp presently has a consensus price target of $15.83, suggesting a potential upside of 20.54%. As a group, “Consumer Lending” companies have a potential upside of 56.55%. Given PHH Corp’s competitors stronger consensus rating and higher probable upside, analysts clearly believe PHH Corp has less favorable growth aspects than its competitors.
Insider & Institutional Ownership
98.1% of PHH Corp shares are owned by institutional investors. Comparatively, 77.6% of shares of all “Consumer Lending” companies are owned by institutional investors. 2.5% of PHH Corp shares are owned by insiders. Comparatively, 15.2% of shares of all “Consumer Lending” companies are owned by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock will outperform the market over the long term.
This table compares PHH Corp and its competitors’ net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|PHH Corp Competitors||-28.26%||-17.28%||0.63%|
Earnings and Valuation
This table compares PHH Corp and its competitors revenue, earnings per share and valuation.
|Gross Revenue||EBITDA||Price/Earnings Ratio|
|PHH Corp||$734.00 million||N/A||-2.58|
|PHH Corp Competitors||$564.69 million||$93.09 million||15.77|
PHH Corp has higher revenue, but lower earnings than its competitors. PHH Corp is trading at a lower price-to-earnings ratio than its competitors, indicating that it is currently more affordable than other companies in its industry.
PHH Corp competitors beat PHH Corp on 8 of the 11 factors compared.
PHH Corp Company Profile
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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