Head to Head Review: China Lending (CLDC) versus PHH (PHH)

China Lending (NASDAQ:CLDC) and PHH (NYSE:PHH) are both small-cap finance companies, but which is the better investment? We will contrast the two businesses based on the strength of their dividends, earnings, risk, institutional ownership, profitability, analyst recommendations and valuation.

Earnings and Valuation

This table compares China Lending and PHH’s top-line revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
China Lending $16.53 million 1.47 -$54.78 million N/A N/A
PHH $456.00 million 0.79 -$217.00 million N/A N/A

China Lending has higher earnings, but lower revenue than PHH.

Analyst Ratings

This is a summary of current ratings and price targets for China Lending and PHH, as provided by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
China Lending 0 0 0 0 N/A
PHH 0 1 0 0 2.00

PHH has a consensus target price of $12.00, suggesting a potential upside of 9.09%. Given PHH’s higher possible upside, analysts plainly believe PHH is more favorable than China Lending.

Profitability

This table compares China Lending and PHH’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
China Lending N/A N/A N/A
PHH -53.65% -32.20% -9.84%

Volatility and Risk

China Lending has a beta of -1.04, suggesting that its stock price is 204% less volatile than the S&P 500. Comparatively, PHH has a beta of 1.3, suggesting that its stock price is 30% more volatile than the S&P 500.

Insider and Institutional Ownership

0.1% of China Lending shares are held by institutional investors. Comparatively, 82.6% of PHH shares are held by institutional investors. 2.2% of China Lending shares are held by insiders. Comparatively, 2.5% of PHH shares are held by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company will outperform the market over the long term.

About China Lending

China Lending Corporation, through its subsidiaries, provides direct lending services in the Xinjiang Uyghur Autonomous Region of the People's Republic of China. It offers loans to micro, small, and medium sized enterprises; and sole proprietors. The company also provides financial consulting services. It serves customers in commerce and service, energy and mining, real estate, agriculture and husbandry, supply chain financing, manufacturing, consumer credit, and other industries. China Lending Corporation was founded in 2009 and is based in Urumqi, the People's Republic of China.

About PHH

PHH Corporation, through its PHH Mortgage Corporation, operates as a sub servicer of residential mortgages in the United States. The company operates through two segments, Mortgage Production and Mortgage Servicing. It provides servicing and portfolio retention solutions to investors of mortgage servicing rights, financial and wealth management institutions, regional and community banks, and credit unions. The company was founded in 1946 and is headquartered in Mount Laurel, New Jersey.

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