Contrasting LendingClub (NYSE:LC) and Gentera (OTCMKTS:CMPRF)

LendingClub (NYSE:LC) and Gentera (OTCMKTS:CMPRF) are both financial services companies, but which is the better stock? We will contrast the two companies based on the strength of their valuation, risk, dividends, analyst recommendations, earnings, institutional ownership and profitability.

Analyst Ratings

This is a summary of recent ratings for LendingClub and Gentera, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
LendingClub	0	4	5	0	2.56
Gentera	0	0	1	0	3.00

LendingClub presently has a consensus price target of $19.00, indicating a potential upside of 3.06%. Given LendingClub’s higher possible upside, analysts clearly believe LendingClub is more favorable than Gentera.

Profitability

This table compares LendingClub and Gentera’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
LendingClub	10.94%	7.81%	1.01%
Gentera	N/A	N/A	N/A

Valuation & Earnings

This table compares LendingClub and Gentera”s gross revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
LendingClub	$787.01 million	2.69	$51.33 million	$0.88	20.95
Gentera	N/A	N/A	N/A	$1.95	1.37

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

Insider and Institutional Ownership

74.1% of LendingClub shares are owned by institutional investors. Comparatively, 25.2% of Gentera shares are owned by institutional investors. 3.3% of LendingClub shares are owned by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company is poised for long-term growth.

Summary

LendingClub beats Gentera on 9 of the 11 factors compared between the two stocks.

About LendingClub

LendingClub Corporation, operates as a bank holding company, that provides range of financial products and services in the United States. It offers deposit products, including savings accounts, checking accounts, and certificates of deposit. The company also provides loan products, such as consumer loans comprising unsecured personal loans, secured auto refinance loans, and patient and education finance loans; and commercial loans, including small business loans. In addition, it operates an online lending marketplace platform. The company was incorporated in 2006 and is headquartered in San Francisco, California.

About Gentera

Gentera, S. A. B. de C. V. provides various financial products and services in Mexico and Peru. The company offers individual and group credit, savings, insurance, and transactional channels services to entrepreneurs and microentrepreneurs. It also provides insurance agent services; and personal loans; as well as operates as a bank commission agent administrator that offers financial operations, payment of services, and cellphone top-ups services. The company was formerly known as Financiera Compartamos, S.A. B. de C. V. Gentera, S. A. B. de C. V. was founded in 1990 and is headquartered in Mexico City, Mexico.