Total System Services Inc. (NYSE:TSS) and China Rapid Finance Limited (NYSE:XRF) are two firms in the Credit Services that compete against each other. Below is a comparison of their institutional ownership, profitability, risk, analyst recommendations, dividends, earnings and valuation.

Valuation & Earnings

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Total System Services Inc.	4.03B	4.24	576.66M	3.14	30.01
China Rapid Finance Limited	97.38M	0.71	55.69M	-0.85	0.00

In table 1 we can see Total System Services Inc. and China Rapid Finance Limited’s gross revenue, earnings per share (EPS) and valuation.

Profitability

Table 2 demonstrates the net margins, return on assets and return on equity of Total System Services Inc. and China Rapid Finance Limited.

	Net Margins	Return on Equity	Return on Assets
Total System Services Inc.	14.31%	22.8%	7.7%
China Rapid Finance Limited	-57.19%	-244.5%	-73.3%

Dividends

Total System Services Inc. pays out $0.52 per share annually while its annual dividend yield is 0.55%. No dividend is paid out for China Rapid Finance Limited.

Analyst Ratings

Total System Services Inc. and China Rapid Finance Limited Ratings and Recommendations are available in the next table.

	Sell Ratings	Hold Ratings	Buy Ratings	Rating Score
Total System Services Inc.	0	1	6	2.86
China Rapid Finance Limited	0	0	0	0.00

The upside potential is 9.70% for Total System Services Inc. with average price target of $105.5.

Insider & Institutional Ownership

Roughly 83.1% of Total System Services Inc. shares are owned by institutional investors while 10.4% of China Rapid Finance Limited are owned by institutional investors. Insiders owned roughly 0.5% of Total System Services Inc.’s shares. Comparatively, China Rapid Finance Limited has 42.18% of it’s share owned by insiders.

Performance

In this table we show 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)
Total System Services Inc.	0.4%	5.17%	7.29%	-2.79%	8.05%	15.93%
China Rapid Finance Limited	-6.72%	0.81%	-26.04%	-51.92%	-74.59%	22.55%

For the past year Total System Services Inc. was less bullish than China Rapid Finance Limited.

Summary

Total System Services Inc. beats on 12 of the 13 factors China Rapid Finance Limited.

Total System Services, Inc. provides payment processing, merchant, and related payment services to financial and nonfinancial institutions in the United States, Europe, Canada, Mexico, and internationally. It operates through four segments: North America Services, International Services, Merchant Services, and NetSpend. The company offers account processing and output services, including processing the card application, initiating service for the cardholder, processing card transaction for the issuing retailer or financial institution, and accumulating the account's transactions. It also provides fraud management services to monitor the unauthorized use of accounts; fraud detection systems for identifying fraudulent transactions; and other services, such as customized communication services to cardholders, and information verification services associated with granting credit, debt collection, and customer service. In addition, the company offers processing services, acquiring solutions, related systems, and integrated support services, which include processing various payment forms, such as credit, debit, prepaid, electronic benefit transfer, and electronic check; authorization and capture of transactions; clearing and settlement of transactions; information reporting services related to transactions; merchant billing services; and point-of-sale equipment sales and service. Further, it provides general purpose reloadable prepaid debit cards and payroll cards, as well as alternative financial services to underbanked and other consumers. The company was founded in 1982 and is headquartered in Columbus, Georgia.