Contrasting Asta Funding (ASFI) and Nicholas Financial (NICK)
Asta Funding (NASDAQ:ASFI) and Nicholas Financial (NASDAQ:NICK) are both small-cap finance companies, but which is the better investment? We will compare the two companies based on the strength of their risk, institutional ownership, analyst recommendations, earnings, profitability, valuation and dividends.
This is a breakdown of current ratings and target prices for Asta Funding and Nicholas Financial, as reported by MarketBeat.com.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
Institutional and Insider Ownership
15.2% of Asta Funding shares are owned by institutional investors. Comparatively, 35.1% of Nicholas Financial shares are owned by institutional investors. 62.9% of Asta Funding shares are owned by insiders. Comparatively, 27.3% of Nicholas Financial shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock will outperform the market over the long term.
Volatility and Risk
Asta Funding has a beta of 0.11, suggesting that its stock price is 89% less volatile than the S&P 500. Comparatively, Nicholas Financial has a beta of 0.73, suggesting that its stock price is 27% less volatile than the S&P 500.
Earnings and Valuation
This table compares Asta Funding and Nicholas Financial’s revenue, earnings per share and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|Asta Funding||$21.43 million||1.22||-$13.00 million||N/A||N/A|
|Nicholas Financial||$83.92 million||1.71||-$1.09 million||N/A||N/A|
Nicholas Financial has higher revenue and earnings than Asta Funding.
This table compares Asta Funding and Nicholas Financial’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
Nicholas Financial beats Asta Funding on 7 of the 9 factors compared between the two stocks.
Asta Funding Company Profile
Asta Funding, Inc., together with its subsidiaries, engages in the consumer receivable business in the United States. The company operates through four segments: Consumer Receivables, Personal Injury Claims, Structured Settlements, and GAR Disability Advocacy. The Consumer Receivables segment involved in the purchase, management, and servicing distressed consumer receivables, including charged-off receivables consisting of accounts that have been written-off by the originators and might have been previously serviced by collection agencies; semi-performing receivables, including accounts where the debtor is currently making partial or irregular monthly payments, but the accounts might have been written-off by the originators; and performing receivables comprising accounts where the debtor is making regular monthly payments that might or might not have been delinquent in the past. Its distressed consumer receivables include MasterCard, Visa, and other credit card accounts, which were charged-off by the issuers or providers for non-payment. The Personal Injury Claims segment invests in funding personal injury claims. The Structured Settlements segment purchases periodic structured settlements and annuity policies from individuals in exchange for a lump sum payment. The GAR Disability Advocacy segment obtains and represents individuals in their claims for social security disability and supplemental security income benefits from the social security administration. Asta Funding, Inc. was founded in 1994 and is headquartered in Englewood Cliffs, New Jersey.
Nicholas Financial Company Profile
Nicholas Financial, Inc. operates as a specialized consumer finance company in the United States. The company engages in acquiring and servicing automobile finance installment contracts for the purchase of new and used automobiles and light trucks. It also originates direct consumer loans and sells consumer-finance related products. As of March 31, 2018, the company operated 60 branch offices located in Alabama, Florida, Georgia, Illinois, Indiana, Kansas, Kentucky, Michigan, Missouri, North Carolina, Ohio, Pennsylvania, South Carolina, Tennessee, Texas, Virginia, and Wisconsin. Nicholas Financial, Inc. was founded in 1986 and is headquartered in Clearwater, Florida.
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