Home Point Capital (NASDAQ:HMPT – Get Free Report) and MCAN Mortgage (OTCMKTS:MAMTF – Get Free Report) are both financial services companies, but which is the better business? We will contrast the two companies based on the strength of their earnings, institutional ownership, profitability, dividends, analyst recommendations, risk and valuation.
Profitability
This table compares Home Point Capital and MCAN Mortgage’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Home Point Capital | -63.98% | -29.08% | -6.07% |
| MCAN Mortgage | N/A | N/A | N/A |
Analyst Ratings
This is a summary of recent ratings and target prices for Home Point Capital and MCAN Mortgage, as provided by MarketBeat.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Home Point Capital | 1 | 3 | 1 | 0 | 2.00 |
| MCAN Mortgage | 0 | 0 | 1 | 0 | 3.00 |
Valuation and Earnings
This table compares Home Point Capital and MCAN Mortgage’s top-line revenue, earnings per share (EPS) and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Home Point Capital | $255.60 million | 1.26 | -$163.45 million | ($2.24) | -1.04 |
| MCAN Mortgage | N/A | N/A | N/A | C$1.49 | 7.93 |
MCAN Mortgage has lower revenue, but higher earnings than Home Point Capital. Home Point Capital is trading at a lower price-to-earnings ratio than MCAN Mortgage, indicating that it is currently the more affordable of the two stocks.
Insider & Institutional Ownership
93.7% of Home Point Capital shares are owned by institutional investors. Comparatively, 0.1% of MCAN Mortgage shares are owned by institutional investors. 2.1% of Home Point Capital shares are owned by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company will outperform the market over the long term.
Summary
MCAN Mortgage beats Home Point Capital on 6 of the 10 factors compared between the two stocks.
About Home Point Capital
Home Point Capital Inc., together with its subsidiaries, operates as a residential mortgage originator and service provider. It operates through two segments, Origination and Servicing. The Origination segment sources loans through direct and wholesale. The Servicing segment offers collecting loan payments, remitting payments to investors, sending monthly statements, managing escrow accounts, servicing delinquent loan work-outs, and managing and disposing of foreclosed properties. The company was incorporated in 2014 and is headquartered in Ann Arbor, Michigan. As of July 31, 2023, Home Point Capital Inc. operates as a subsidiary of Mr. Cooper Group Inc.
About MCAN Mortgage
MCAN Mortgage Corporation operates as a loan and mortgage investment corporation in Canada. The company engages in the real estate lending and investing activities, including residential mortgage, residential construction, non-residential construction, and commercial loans, as well as portfolio of real estate investments trusts and private investment activities. It also provides term deposits through a network of independent financial agents. The company was formerly known as MCAP Inc. and changed its name to MCAN Mortgage Corporation in September 2006. MCAN Mortgage Corporation was founded in 1980 and is headquartered in Toronto, Canada.
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