Analyzing Mr. Amazing Loans (MRAL) and Santander Consumer USA (SC)
Mr. Amazing Loans (OTC:MRAL) and Santander Consumer USA (NYSE:SC) are both finance companies, but which is the better business? We will compare the two companies based on the strength of their valuation, earnings, dividends, analyst recommendations, risk, profitability and institutional ownership.
Volatility and Risk
Mr. Amazing Loans has a beta of 0.8, meaning that its share price is 20% less volatile than the S&P 500. Comparatively, Santander Consumer USA has a beta of 1.08, meaning that its share price is 8% more volatile than the S&P 500.
0.5% of Mr. Amazing Loans shares are owned by institutional investors. 39.5% of Mr. Amazing Loans shares are owned by insiders. Comparatively, 0.1% of Santander Consumer USA shares are owned by 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.
Earnings and Valuation
This table compares Mr. Amazing Loans and Santander Consumer USA’s revenue, earnings per share and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|Mr. Amazing Loans||$1.69 million||2.05||-$5.50 million||N/A||N/A|
|Santander Consumer USA||$6.56 billion||1.05||$1.19 billion||$1.74||11.03|
Santander Consumer USA has higher revenue and earnings than Mr. Amazing Loans.
This is a breakdown of current ratings and target prices for Mr. Amazing Loans and Santander Consumer USA, as reported by MarketBeat.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|Mr. Amazing Loans||0||1||0||0||2.00|
|Santander Consumer USA||0||7||7||0||2.50|
Mr. Amazing Loans presently has a consensus price target of $0.31, suggesting a potential upside of 56.57%. Santander Consumer USA has a consensus price target of $22.85, suggesting a potential upside of 19.05%. Given Mr. Amazing Loans’ higher possible upside, analysts plainly believe Mr. Amazing Loans is more favorable than Santander Consumer USA.
This table compares Mr. Amazing Loans and Santander Consumer USA’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|Mr. Amazing Loans||-275.74%||-85.92%||-83.89%|
|Santander Consumer USA||20.54%||13.25%||2.22%|
Santander Consumer USA pays an annual dividend of $0.80 per share and has a dividend yield of 4.2%. Mr. Amazing Loans does not pay a dividend. Santander Consumer USA pays out 46.0% of its earnings in the form of a dividend.
Santander Consumer USA beats Mr. Amazing Loans on 9 of the 14 factors compared between the two stocks.
About Mr. Amazing Loans
Mr. Amazing Loans Corporation, a consumer finance company, provides unsecured online consumer loans to individuals in the United States. It offers loans for debt consolidation, medical expenses, home improvements, auto repairs, purchases, and discretionary spending. The company provides its loans to residents under the Mr. Amazing Loans brand name through its mramazingloans.com Website in 20 states, including Alabama, Arizona, California, Florida, Georgia, Illinois, Kentucky, Louisiana, Maryland, Missouri, Nevada, New Jersey, New Mexico, Ohio, Oregon, Pennsylvania, Texas, Utah, Virginia, and Wisconsin. The company was formerly known as IEG Holdings Corporation. Mr. Amazing Loans Corporation was founded in 1999 and is headquartered in Las Vegas, Nevada.
About Santander Consumer USA
Santander Consumer USA Holdings Inc., a specialized consumer finance company, provides vehicle finance and third-party servicing in the United States. Its products and services include retail installment contracts and vehicle leases, as well as dealer loans for inventory, construction, real estate, working capital, and revolving lines of credit. The company also offers financial products and services related to motorcycles, recreational vehicles, and marine vehicles; originates vehicle loans through a Web-based direct lending program; purchases vehicle retail installment contracts from other lenders; and services automobile, and recreational and marine vehicle portfolios for other lenders. In addition, it provides private-label credit cards and other consumer finance products, as well as point-of-sale financing. The company was founded in 1995 and is headquartered in Dallas, Texas. Santander Consumer USA Holdings Inc. is a subsidiary of Santander Holdings USA, Inc.
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