PPDAI Group (NYSE:FINV – Get Free Report) and Bitcoin Depot (NASDAQ:BTM – Get Free Report) are both small-cap finance companies, but which is the better business? We will contrast the two businesses based on the strength of their valuation, earnings, dividends, institutional ownership, analyst recommendations, risk and profitability.
Earnings & Valuation
This table compares PPDAI Group and Bitcoin Depot”s top-line revenue, earnings per share (EPS) and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| PPDAI Group | $1.94 billion | 0.61 | $363.56 million | $1.19 | 4.11 |
| Bitcoin Depot | $614.85 million | 0.01 | -$6.18 million | $1.90 | 0.26 |
Analyst Recommendations
This is a summary of current ratings and target prices for PPDAI Group and Bitcoin Depot, as reported by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| PPDAI Group | 0 | 1 | 0 | 0 | 2.00 |
| Bitcoin Depot | 1 | 4 | 0 | 0 | 1.80 |
Bitcoin Depot has a consensus target price of $4.10, suggesting a potential upside of 733.50%. Given Bitcoin Depot’s higher possible upside, analysts clearly believe Bitcoin Depot is more favorable than PPDAI Group.
Volatility and Risk
PPDAI Group has a beta of 0.33, suggesting that its share price is 67% less volatile than the S&P 500. Comparatively, Bitcoin Depot has a beta of 3.12, suggesting that its share price is 212% more volatile than the S&P 500.
Institutional & Insider Ownership
31.1% of PPDAI Group shares are held by institutional investors. Comparatively, 9.2% of Bitcoin Depot shares are held by institutional investors. 44.0% of PPDAI Group shares are held by insiders. Comparatively, 51.8% of Bitcoin Depot shares are held by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company will outperform the market over the long term.
Profitability
This table compares PPDAI Group and Bitcoin Depot’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| PPDAI Group | 16.58% | 14.22% | 9.15% |
| Bitcoin Depot | -0.94% | -70.95% | -5.08% |
Summary
PPDAI Group beats Bitcoin Depot on 9 of the 13 factors compared between the two stocks.
About PPDAI Group
FinVolution Group operates in the online consumer finance industry. The company operates a fintech platform that is empowered by borrowers with financial institutions. It operates in China and internationally. The company was formerly known as PPDAI Group Inc. and changed its name to FinVolution Group in November 2019. FinVolution Group was founded in 2007 and is headquartered in Shanghai, the People’s Republic of China.
About Bitcoin Depot
Bitcoin Depot Inc. owns and operates a network of cryptocurrency kiosks in North America. Its customers can buy and sell bitcoin, litecoin, and ethereum cryptocurrencies using the BTM kiosk network and other services. The company also engages in the sale of cryptocurrency to consumers at a network of retail locations through its BDCheckout product offering, as well as its website through over-the-counter trade. The company is headquartered in Atlanta, Georgia. Bitcoin Depot Inc. is a subsidiary of BT Assets, Inc.
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