KRUK Spólka Akcyjna (OTCMKTS:KRKKF) and LendingClub (NYSE:LC) Critical Review

KRUK Spólka Akcyjna (OTCMKTS:KRKKF) and LendingClub (NYSE:LC) are both financial services companies, but which is the superior business? We will compare the two companies based on the strength of their analyst recommendations, profitability, valuation, institutional ownership, earnings, dividends and risk.

Earnings & Valuation

This table compares KRUK Spólka Akcyjna and LendingClub”s gross revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
KRUK Spólka Akcyjna	N/A	N/A	N/A	N/A	N/A
LendingClub	$787.01 million	2.31	$51.33 million	$0.64	24.80

LendingClub has higher revenue and earnings than KRUK Spólka Akcyjna.

Insider & Institutional Ownership

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

Profitability

This table compares KRUK Spólka Akcyjna and LendingClub’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
KRUK Spólka Akcyjna	N/A	N/A	N/A
LendingClub	8.36%	5.66%	0.72%

Analyst Recommendations

This is a summary of recent ratings and price targets for KRUK Spólka Akcyjna and LendingClub, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
KRUK Spólka Akcyjna	0	0	0	0	0.00
LendingClub	0	3	6	0	2.67

LendingClub has a consensus price target of $16.5714, indicating a potential upside of 4.42%. Given LendingClub’s stronger consensus rating and higher possible upside, analysts clearly believe LendingClub is more favorable than KRUK Spólka Akcyjna.

Summary

LendingClub beats KRUK Spólka Akcyjna on 9 of the 9 factors compared between the two stocks.

About KRUK Spólka Akcyjna

KRUK Spólka Akcyjna, together with its subsidiaries, engages in the management of debt in Poland, Romania, Italy, the Czech Republic, Slovakia, Germany, Spain, and internationally. The company operates through Consumer Debts, Mortgage Debts, and Corporate Debts segments. It offers credit management services to banks, telecommunication operators, insurers, and others. In addition, the company purchases and manages debt portfolios including consumer, mortgage, and corporate debts. Further, it offers consumer unsecured, mortgage, and SME/corporate loans, as well as manages the receivables of banks, loan brokers, insurers, leasing companies, landline and mobile telecommunications operators, cable TV operators, digital TV operators, and FMCG companies. Additionally, the company provides Novum loan services; detective services; financial intermediation agency services; and auxiliary services to small and medium-sized enterprises. Furthermore, it collects, processes, and provides credit information on natural persons; and invests in receivables and other funds. The company acquires agricultural real estate properties; and engages in IT and software development businesses, as well as involved in law firm related activities. KRUK Spólka Akcyjna was founded in 1998 and is headquartered in Wroclaw, Poland.

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.