California First Leasing (OTCMKTS:CFNBD – Get Free Report) and Voya Financial (NYSE:VOYA – Get Free Report) are both finance companies, but which is the superior business? We will compare the two businesses based on the strength of their risk, institutional ownership, earnings, dividends, valuation, profitability and analyst recommendations.
Risk & Volatility
California First Leasing has a beta of 0.29, meaning that its stock price is 71% less volatile than the S&P 500. Comparatively, Voya Financial has a beta of 0.89, meaning that its stock price is 11% less volatile than the S&P 500.
Analyst Ratings
This is a breakdown of recent recommendations for California First Leasing and Voya Financial, as provided by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| California First Leasing | 0 | 0 | 0 | 0 | 0.00 |
| Voya Financial | 1 | 3 | 8 | 1 | 2.69 |
Earnings and Valuation
This table compares California First Leasing and Voya Financial”s top-line revenue, earnings per share (EPS) and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| California First Leasing | $30.12 million | 10.14 | $20.27 million | N/A | N/A |
| Voya Financial | $8.19 billion | 1.13 | $654.00 million | $5.93 | 17.26 |
Voya Financial has higher revenue and earnings than California First Leasing.
Insider and Institutional Ownership
6.5% of California First Leasing shares are held by institutional investors. Comparatively, 96.1% of Voya Financial shares are held by institutional investors. 92.2% of California First Leasing shares are held by company insiders. Comparatively, 1.6% of Voya Financial shares are held by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock will outperform the market over the long term.
Profitability
This table compares California First Leasing and Voya Financial’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| California First Leasing | N/A | N/A | N/A |
| Voya Financial | 7.45% | 12.31% | 0.46% |
Summary
Voya Financial beats California First Leasing on 11 of the 13 factors compared between the two stocks.
About California First Leasing
California First Leasing Corporation provides loans and lease financing for universities, businesses, and other commercial or non-profit organizations. The company was formerly known as California First National Bancorp and changed its name to California First Leasing Corporation in February 2021. California First Leasing Corporation was founded in 1977 and is based in Newport Beach, California.
About Voya Financial
Voya Financial, Inc. engages in the provision of workplace benefits and savings products in the United States and internationally. The company operates through three segments: Wealth Solutions, Health Solutions, and Investment Management. The Wealth Solutions segment offers full-service retirement products; recordkeeping services; stable value and fixed general account investment products; non-qualified plan administration services; and tools, guidance, and services to promote the financial well-being and retirement security of employees. The segment also provides wealth management services, such as individual retirement, managed, and brokerage accounts, as well as financial guidance and advisory services. This segment serves corporate, public and private school systems, higher education institutions, hospitals and healthcare facilities, other non-profit organizations, and state and local governments, as well as institutional and individual customers. The Health Solutions segment offers various insurance products comprising stop loss, group life, group disability, whole life, critical illness, accident, and hospital indemnity insurance. The segment also provides worksite employee benefits, health account solutions, leave management, benefits administration, health plan enrollment, financial wellness, and decision support products and services to mid-size and large corporate employers and professional associations. The Investment Management segment provides fixed income, equity, multi-asset, and alternative products and solutions to individual investors and institutional clients through its direct sales force, consultant channel, banks, broker-dealers, and independent financial advisers. The company was formerly known as ING U.S., Inc. and changed its name to Voya Financial, Inc. in April 2014. Voya Financial, Inc. was founded in 1975 and is based in New York, New York.
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