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The Financial Services industry as a whole closed the day down 0.1% versus the S&P 500, which was down 0.3%. Laggards within the Financial Services industry included Siebert Financial ( SIEB), down 10.7%, China Ceramics ( CCCL), down 3.3%, Marine Petroleum ( MARPS), down 1.6%, First Marblehead ( FMD), down 6.2% and CIFC ( CIFC), down 3.3%.

TheStreet Ratings Group would like to highlight 3 stocks that pushed the industry lower today:

Springleaf Holdings ( LEAF) is one of the companies that pushed the Financial Services industry lower today. Springleaf Holdings was down $0.90 (2.3%) to $37.66 on average volume. Throughout the day, 148,004 shares of Springleaf Holdings exchanged hands as compared to its average daily volume of 189,200 shares. The stock ranged in price between $37.10-$38.42 after having opened the day at $38.42 as compared to the previous trading day's close of $38.56.

Springleaf Holdings, LLC, through its subsidiaries, offers consumer finance and credit insurance products and services. The company provides personal loans secured by automobiles, consumer household goods, and other items of personal property; and unsecured loans. Springleaf Holdings has a market cap of $4.4 billion and is part of the financial sector. Shares are up 52.5% year-to-date as of the close of trading on Tuesday. Currently there are 5 analysts who rate Springleaf Holdings a buy, 1 analyst rates it a sell, and 2 rate it a hold.

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TheStreet Ratings rates Springleaf Holdings as a sell. Among the areas we feel are negative, one of the most important has been very high debt management risk by most measures.

Highlights from TheStreet Ratings analysis on LEAF go as follows:

  • The debt-to-equity ratio is very high at 3.74 and currently higher than the industry average, implying increased risk associated with the management of debt levels within the company.
  • LEAF, with its decline in revenue, underperformed when compared the industry average of 4.8%. Since the same quarter one year prior, revenues fell by 16.5%. The declining revenue has not hurt the company's bottom line, with increasing earnings per share.
  • This stock has increased by 92.42% over the past year, outperforming the rise in the S&P 500 Index during the same period. Despite the fact that the stock's value has already enjoyed nice gains in the past year, we feel that the risks surrounding an investment in this stock outweigh any potential future returns.
  • SPRINGLEAF HOLDINGS INC reported significant earnings per share improvement in the most recent quarter compared to the same quarter a year ago. The company has demonstrated a pattern of positive earnings per share growth over the past year. We feel that this trend should continue. This trend suggests that the performance of the business is improving. During the past fiscal year, SPRINGLEAF HOLDINGS INC continued to lose money by earning -$0.18 versus -$1.94 in the prior year. This year, the market expects an improvement in earnings ($2.03 versus -$0.18).
  • The net income growth from the same quarter one year ago has significantly exceeded that of the S&P 500 and the Consumer Finance industry. The net income increased by 560.9% when compared to the same quarter one year prior, rising from -$92.59 million to $426.75 million.

You can view the full analysis from the report here: Springleaf Holdings Ratings Report

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At the close, First Marblehead ( FMD) was down $0.12 (6.2%) to $1.83 on light volume. Throughout the day, 21,547 shares of First Marblehead exchanged hands as compared to its average daily volume of 41,300 shares. The stock ranged in price between $1.75-$1.95 after having opened the day at $1.95 as compared to the previous trading day's close of $1.95.

First Marblehead has a market cap of $22.2 million and is part of the financial sector. Shares are down 73.6% year-to-date as of the close of trading on Tuesday. Currently there are no analysts who rate First Marblehead a buy, no analysts rate it a sell, and 1 rates it a hold.

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China Ceramics ( CCCL) was another company that pushed the Financial Services industry lower today. China Ceramics was down $0.03 (3.3%) to $0.82 on average volume. Throughout the day, 67,100 shares of China Ceramics exchanged hands as compared to its average daily volume of 59,800 shares. The stock ranged in price between $0.82-$0.87 after having opened the day at $0.84 as compared to the previous trading day's close of $0.85.

China Ceramics has a market cap of $17.3 million and is part of the financial sector. Shares are down 65.2% year-to-date as of the close of trading on Tuesday.

STOCKS TO BUY: TheStreet Quant Ratings has identified a handful of stocks that can potentially TRIPLE in the next 12 months. Learn more.