SunCar Technology Group (NASDAQ:SDA – Get Free Report) and Lincoln Educational Services (NASDAQ:LINC – Get Free Report) are both small-cap consumer discretionary companies, but which is the superior stock? We will compare the two companies based on the strength of their earnings, valuation, analyst recommendations, risk, dividends, institutional ownership and profitability.
Volatility and Risk
SunCar Technology Group has a beta of -0.1, indicating that its stock price is 110% less volatile than the S&P 500. Comparatively, Lincoln Educational Services has a beta of 0.84, indicating that its stock price is 16% less volatile than the S&P 500.
Earnings & Valuation
This table compares SunCar Technology Group and Lincoln Educational Services”s top-line revenue, earnings per share (EPS) and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| SunCar Technology Group | $489.29 million | 0.09 | -$3.94 million | $0.03 | 14.30 |
| Lincoln Educational Services | $518.24 million | 1.34 | $20.00 million | $0.72 | 30.43 |
Lincoln Educational Services has higher revenue and earnings than SunCar Technology Group. SunCar Technology Group is trading at a lower price-to-earnings ratio than Lincoln Educational Services, indicating that it is currently the more affordable of the two stocks.
Profitability
This table compares SunCar Technology Group and Lincoln Educational Services’ net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| SunCar Technology Group | 0.60% | 3.52% | 1.23% |
| Lincoln Educational Services | 3.99% | 14.47% | 5.76% |
Insider and Institutional Ownership
0.3% of SunCar Technology Group shares are held by institutional investors. Comparatively, 72.2% of Lincoln Educational Services shares are held by institutional investors. 22.2% of SunCar Technology Group shares are held by company insiders. Comparatively, 12.8% of Lincoln Educational Services shares are held by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock will outperform the market over the long term.
Analyst Ratings
This is a summary of current ratings and recommmendations for SunCar Technology Group and Lincoln Educational Services, as provided by MarketBeat.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| SunCar Technology Group | 1 | 1 | 1 | 0 | 2.00 |
| Lincoln Educational Services | 0 | 2 | 4 | 0 | 2.67 |
SunCar Technology Group currently has a consensus price target of $5.00, suggesting a potential upside of 1,065.50%. Lincoln Educational Services has a consensus price target of $50.67, suggesting a potential upside of 131.25%. Given SunCar Technology Group’s higher probable upside, equities research analysts plainly believe SunCar Technology Group is more favorable than Lincoln Educational Services.
Summary
Lincoln Educational Services beats SunCar Technology Group on 12 of the 14 factors compared between the two stocks.
About SunCar Technology Group
SunCar Technology Group Inc., through its subsidiaries, provides digitalized automotive after-sales service and online insurance intermediation services in the People's Republic of China. It operates through three segments: Insurance Intermediation Business; Automotive After-Sales Business; and Technology Business. The company offers customized after-sale services to banking, insurance companies, and other customer types; and auto mobile insurance comprising statutory automobile liability insurance and commercial automobile insurance. In addition, it provides auto insurance SaaS products and other technical services. The company is based in Shanghai, China.
About Lincoln Educational Services
Lincoln Educational Services Corporation, together with its subsidiaries, provides various career-oriented post-secondary education services to high school graduates and working adults in the United States. The company operates in two segments, Campus Operations and Transitional. It offers associate's degree, and diploma and certificate programs in automotive technology; skilled trades programs, including electrical, heating and air conditioning repair, welding, computerized numerical control, and electrical and electronic systems technology; health science programs comprising licensed practical nurse, registered nurse, dental assistant, medical assistant, medical administrative assistant, and claims examiner; hospitality service and information technology programs, such as culinary, therapeutic massage, cosmetology, aesthetics, and computer systems support technicians. The company operates schools under the Lincoln Technical Institute, Lincoln College of Technology, Lincoln Culinary Institute, Euphoria Institute of Beauty Arts and Sciences, and other brand names. Lincoln Educational Services Corporation was founded in 1946 and is based in Parsippany, New Jersey.
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