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Comparing of CIT Group Inc. (CIT) and Equifax Inc. (NYSE:EFX)

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Both CIT Group Inc. (NYSE:CIT) and Equifax Inc. (NYSE:EFX) are Credit Services companies, competing one another. We will compare their dividends, analyst recommendations, profitability, risk, institutional ownership, earnings and valuation.

Valuation & Earnings

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
CIT Group Inc. 44 0.87 94.00M 4.31 11.74
Equifax Inc. 142 7.26 120.06M -3.53 0.00

Table 1 shows the top-line revenue, earnings per share (EPS) and valuation for CIT Group Inc. and Equifax Inc.

Profitability

Table 2 provides us CIT Group Inc. and Equifax Inc.’s net margins, return on assets and return on equity.

Net Margins Return on Equity Return on Assets
CIT Group Inc. 212,669,683.26% 7.3% 0.9%
Equifax Inc. 84,668,547.25% -14.9% -5.8%

Volatility and Risk

CIT Group Inc. is 52.00% more volatile than Standard & Poor’s 500 due to its 1.52 beta. From a competition point of view, Equifax Inc. has a 1.25 beta which is 25.00% more volatile compared to Standard & Poor’s 500.

Analyst Recommendations

CIT Group Inc. and Equifax Inc. Ratings and Recommendations are available on the next table.

Sell Ratings Hold Ratings Buy Ratings Rating Score
CIT Group Inc. 0 2 1 2.33
Equifax Inc. 1 1 1 2.33

CIT Group Inc.’s upside potential is 23.76% at a $54.33 consensus target price. Competitively the consensus target price of Equifax Inc. is $104, which is potential -27.74% downside. The data provided earlier shows that CIT Group Inc. appears more favorable than Equifax Inc., based on analyst belief.

Insider & Institutional Ownership

Roughly 8.01% of CIT Group Inc. shares are owned by institutional investors while 96.9% of Equifax Inc. are owned by institutional investors. CIT Group Inc.’s share owned by insiders are 0.8%. Comparatively, Equifax Inc. has 0.5% of it’s share owned by insiders.

Performance

In this table we provide the Weekly, Monthly, Quarterly, Half Yearly, Yearly and YTD Performance of both pretenders.

Performance (W) Performance (M) Performance (Q) Performance (HY) Performance (Y) Performance (YTD)
CIT Group Inc. -1.88% -2.81% -3.93% 8.66% -4.23% 32.09%
Equifax Inc. -2.22% 2.4% 11.75% 31.34% 10.78% 49.35%

For the past year CIT Group Inc.’s stock price has smaller growth than Equifax Inc.

Summary

CIT Group Inc. beats Equifax Inc. on 7 of the 12 factors.

CIT Group Inc. operates as the bank holding company for CIT Bank, National Association that provides banking and related services to commercial and individual customers. The company operates through Commercial Banking, Consumer Banking, Non-Strategic Portfolios (NSP), and Corporate and Other segments. The Commercial Banking segment offers lending, leasing, and other financial and advisory services primarily to small and middle-market companies; factoring and secured financing services, as well as receivables management products to the retail supply chain; and equipment leasing and secured financing to the rail industry. The Consumer Banking segment provides mortgage loans, deposits, and private banking and fiduciary services. It accepts deposits, including checking and savings accounts, money market accounts, and certificates of deposit; and offers residential mortgage and small business administration loans, as well as reverse mortgages. The NSP segment provides equipment financing, secured lending, and leasing and advisory services to small and middle-market businesses. The Corporate and Other segment offers investments and other unallocated items, such as amortization of intangible assets. The company also offers acquisition and expansion financing, enterprise value and cash flow loans, import and export financing, and letters of credit/trade acceptances; and account receivables collection, asset management, credit protection, cash management and payment, debt restructuring, debt underwriting and syndication, financial risk management, insurance, merger and acquisition advisory, and online banking services. It offers its services through 70 branches located in southern California, as well as through other offices worldwide. CIT Group Inc. was founded in 1908 and is based in Livingston, New Jersey.

Equifax Inc. provides information solutions and human resources business process outsourcing services for businesses, governments, and consumers. The company operates through four segments: U.S. Information Solutions (USIS), International, Workforce Solutions, and Global Consumer Solutions. The USIS segment offers consumer and commercial information services, such as credit information and credit scoring, credit modeling and portfolio analytics, locate, fraud detection and prevention, identity verification, and other consulting; mortgage loan origination information; financial marketing; and identity management services. The International segment provides information service products, which include consumer and commercial services, such as credit and financial information, and credit scoring and modeling; and credit and other marketing products and services, as well as offers information, technology, and services to support debt collections and recovery management. The Workforce Solutions segment provides employment, income, and social security number verification services; and payroll-based transaction and employment tax management services. The Global Consumer Solutions segment offers credit information, credit monitoring, and identity theft protection products directly to consumers through the Internet and hard-copy formats. Equifax Inc. serves customers in financial service, mortgage, human resource, consumer, commercial, telecommunication, retail, automotive, utility, brokerage, healthcare, and insurance industries, as well as state and federal governments. It operates in the United States, Canada, Argentina, Brazil, Australia, New Zealand, Chile, Costa Rica, Ecuador, El Salvador, Honduras, Mexico, Paraguay, Uruguay, Peru, Portugal, the Republic of Ireland, Spain, the United Kingdom, Cambodia, Malaysia, India, Russia, and Singapore. Equifax Inc. was founded in 1899 and is headquartered in Atlanta, Georgia.

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Source: on 2019-10-11 18:18:45

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