SoFi Technologies (NASDAQ:SOFI – Get Free Report) and Atlanticus Holdings Co. 6.125% Senior Notes due 2026 (NASDAQ:ATLCL – Get Free Report) are both finance companies, but which is the superior investment? We will contrast the two companies based on the strength of their profitability, analyst recommendations, risk, earnings, valuation, institutional ownership and dividends.
Valuation & Earnings
This table compares SoFi Technologies and Atlanticus Holdings Co. 6.125% Senior Notes due 2026″s top-line revenue, earnings per share and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| SoFi Technologies | $3.61 billion | 6.09 | $481.32 million | $0.48 | 35.52 |
| Atlanticus Holdings Co. 6.125% Senior Notes due 2026 | N/A | N/A | N/A | N/A | N/A |
Insider and Institutional Ownership
38.4% of SoFi Technologies shares are owned by institutional investors. 2.5% of SoFi Technologies shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock is poised for long-term growth.
Analyst Recommendations
This is a summary of current recommendations and price targets for SoFi Technologies and Atlanticus Holdings Co. 6.125% Senior Notes due 2026, as provided by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| SoFi Technologies | 3 | 10 | 8 | 0 | 2.24 |
| Atlanticus Holdings Co. 6.125% Senior Notes due 2026 | 0 | 0 | 0 | 0 | 0.00 |
SoFi Technologies currently has a consensus price target of $22.42, indicating a potential upside of 31.48%. Given SoFi Technologies’ stronger consensus rating and higher possible upside, equities research analysts clearly believe SoFi Technologies is more favorable than Atlanticus Holdings Co. 6.125% Senior Notes due 2026.
Profitability
This table compares SoFi Technologies and Atlanticus Holdings Co. 6.125% Senior Notes due 2026’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| SoFi Technologies | 14.78% | 6.22% | 1.22% |
| Atlanticus Holdings Co. 6.125% Senior Notes due 2026 | N/A | N/A | N/A |
Summary
SoFi Technologies beats Atlanticus Holdings Co. 6.125% Senior Notes due 2026 on 9 of the 9 factors compared between the two stocks.
About SoFi Technologies
SoFi Technologies, Inc. provides various financial services in the United States, Latin America, and Canada. It operates through three segments: Lending, Technology Platform, and Financial Services. The company offers lending and financial services and products that allows its members to borrow, save, spend, invest, and protect money. It offers personal loans, student loans, home loans, and related services. The company also operates Galileo, a technology platform that offers services to financial and non-financial institution; and Technisys, a cloud-native digital and core banking platform with financial services customers. In addition, it provides SoFi Money offers checking and savings accounts, debit cards, and cash management products; and SoFi Invest, a mobile-first investment platform that provides access to trading and advisory solutions, such as investing and robo-advisory. Further, the company offers SoFi Credit Card that provides cash backs on every purchase; Sofi Relay, a personal finance management product that allows to track all of their financial accounts comprising credit score and spending behaviors; SoFi Protect, which offers insurance product; SoFi Travel, an application that manages travel search and booking experience; SoFi At Work provides financial benefits to employees, including student loan payments made on their employees' behalf; Lantern Credit, a financial services marketplace platform for seeking alternative products and provide product comparisons; and other lending as a service that offers pre-qualified borrower referrals and sells loans to third-party partner. The company was founded in 2011 and is based in San Francisco, California.
About Atlanticus Holdings Co. 6.125% Senior Notes due 2026
atlanticus holdings corporation (“atlanticus”) is a financial holding company with investments primarily in companies focused on providing financial services. our subsidiaries offer a broad array of financial products and services. www.atlanticus.com
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