KRUK Spólka Akcyjna (OTCMKTS:KRKKF – Get Free Report) and Medallion Financial (NASDAQ:MFIN – Get Free Report) are both financial services companies, but which is the superior business? We will compare the two businesses based on the strength of their dividends, earnings, institutional ownership, risk, valuation, profitability and analyst recommendations.
Profitability
This table compares KRUK Spólka Akcyjna and Medallion Financial’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 |
| Medallion Financial | 21.99% | 13.45% | 2.15% |
Analyst Recommendations
This is a summary of current recommendations and price targets for KRUK Spólka Akcyjna and Medallion Financial, as provided by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| KRUK Spólka Akcyjna | 0 | 0 | 1 | 0 | 3.00 |
| Medallion Financial | 0 | 1 | 1 | 0 | 2.50 |
Insider and Institutional Ownership
19.1% of Medallion Financial shares are held by institutional investors. 22.4% of Medallion Financial shares are held by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company will outperform the market over the long term.
Earnings and Valuation
This table compares KRUK Spólka Akcyjna and Medallion Financial’s 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 |
| Medallion Financial | $206.15 million | 0.74 | $43.84 million | $2.18 | 2.99 |
Medallion Financial has higher revenue and earnings than KRUK Spólka Akcyjna.
Summary
Medallion Financial beats KRUK Spólka Akcyjna on 7 of the 8 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 Debt Purchase, Credit Management, and Other segments. It purchases and manages debt portfolios, including consumer, mortgage-backed, and corporate debts; and offers consumer unsecured, mortgage, and SME/corporate loans, as well as credit management services. The company also manages the receivables of banks, loan brokers, insurers, leasing companies, landline and mobile telecommunications operators, cable TV operators, digital TV operators, and FMCG companies. In addition, it provides Novum loan services; detective services; financial intermediation agency services; and auxiliary services to small and medium-sized enterprises. Further, the company collects, processes, and provides credit information on natural persons; offers receivable management services; and provides portfolio underwriting services. Additionally, the company invests in receivables and certificates of securitization funds; and acquires agricultural real estate properties. The company was founded in 1998 and is headquartered in Wroclaw, Poland.
About Medallion Financial
Medallion Financial Corp., together with its subsidiaries, operates as a finance company in the United States. The company operates through four segments: Recreation Lending, Home Improvement Lending, Commercial Lending, and Medallion Lending. It provides loans that finance consumer purchases of recreational vehicles, boats, and trailers; consumer home improvements; commercial businesses; and taxi medallions to individuals, and small to mid-size businesses. The company also offers commercial loans for purchase of equipment and related assets necessary to open a new business, or purchase or improvement of an existing business; and medallion loans. In addition, it provides debt, mezzanine, and equity investment capital to companies in various industries; and raises deposits and conducts other banking activities. Medallion Financial Corp. was incorporated in 1995 and is headquartered in New York City, New York.
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