International Money Express (NASDAQ:IMXI) and LendingClub (NASDAQ:LC) Financial Comparison

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LendingClub (NYSE:LC) and International Money Express (NASDAQ:IMXI) are both small-cap finance companies, but which is the superior stock? We will compare the two businesses based on the strength of their analyst recommendations, institutional ownership, dividends, risk, valuation, profitability and earnings.

Earnings & Valuation

This table compares LendingClub and International Money Express’ gross revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
LendingClub $694.81 million 1.85 -$128.30 million ($0.35) -42.14
International Money Express $273.90 million 1.73 -$7.24 million ($0.05) -249.60

International Money Express has lower revenue, but higher earnings than LendingClub. International Money Express is trading at a lower price-to-earnings ratio than LendingClub, indicating that it is currently the more affordable of the two stocks.

Analyst Recommendations

This is a breakdown of recent recommendations and price targets for LendingClub and International Money Express, as reported by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
LendingClub 0 1 2 0 2.67
International Money Express 0 0 5 0 3.00

LendingClub presently has a consensus price target of $21.67, suggesting a potential upside of 46.89%. International Money Express has a consensus price target of $17.00, suggesting a potential upside of 36.22%. Given LendingClub’s higher possible upside, research analysts plainly believe LendingClub is more favorable than International Money Express.

Profitability

This table compares LendingClub and International Money Express’ net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
LendingClub -9.14% -2.67% -0.67%
International Money Express 0.56% 24.08% 4.02%

Risk & Volatility

LendingClub has a beta of 1.6, suggesting that its stock price is 60% more volatile than the S&P 500. Comparatively, International Money Express has a beta of -0.23, suggesting that its stock price is 123% less volatile than the S&P 500.

Insider & Institutional Ownership

37.2% of International Money Express shares are held by institutional investors. 4.2% of LendingClub shares are held by company insiders. Comparatively, 43.1% of International Money Express shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company is poised for long-term growth.

Summary

International Money Express beats LendingClub on 9 of the 14 factors compared between the two stocks.

About LendingClub

LendingClub Corporation operates an online lending marketplace platform that connects borrowers and investors in the United States. The company's marketplace facilitates various types of loan products for consumers and small businesses, including unsecured personal loans, unsecured education and patient installment loans, auto refinance loans, and small business loans. It also enables investors to invest in a range of loans based on term and credit. The company was founded in 2006 and is headquartered in San Francisco, California.

About International Money Express

International Money Express, Inc., through its subsidiary, operates as a money remittance services company in the United States, Latin America, Mexico, Central and South America, and the Caribbean. The company offers remittance services, including a suite of ancillary financial processing solutions and payment services. It provides services through sending and paying agents and company-operated stores, as well as through online and Internet-enabled mobile devices. The company was formerly known as FinTech Acquisition Corp. II. International Money Express, Inc. is headquartered in Miami, Florida.

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