SHF (NASDAQ:SHFS – Get Free Report) and NCR Atleos (NYSE:NATL – Get Free Report) are both finance companies, but which is the better business? We will compare the two companies based on the strength of their institutional ownership, valuation, risk, analyst recommendations, profitability, dividends and earnings.
Profitability
This table compares SHF and NCR Atleos’ net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| SHF | -47.33% | -90.25% | -41.71% |
| NCR Atleos | 4.44% | 83.41% | 5.87% |
Volatility and Risk
SHF has a beta of 0.87, suggesting that its share price is 13% less volatile than the S&P 500. Comparatively, NCR Atleos has a beta of 0.56, suggesting that its share price is 44% less volatile than the S&P 500.
Earnings & Valuation
This table compares SHF and NCR Atleos”s gross revenue, earnings per share and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| SHF | $7.67 million | 0.01 | -$2.16 million | ($11.88) | -0.01 |
| NCR Atleos | $4.42 billion | 0.76 | $162.00 million | $2.58 | 17.64 |
NCR Atleos has higher revenue and earnings than SHF. SHF is trading at a lower price-to-earnings ratio than NCR Atleos, indicating that it is currently the more affordable of the two stocks.
Analyst Ratings
This is a summary of current recommendations and price targets for SHF and NCR Atleos, as provided by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| SHF | 1 | 0 | 0 | 0 | 1.00 |
| NCR Atleos | 0 | 4 | 1 | 0 | 2.20 |
NCR Atleos has a consensus target price of $50.27, suggesting a potential upside of 10.43%. Given NCR Atleos’ stronger consensus rating and higher possible upside, analysts plainly believe NCR Atleos is more favorable than SHF.
Insider and Institutional Ownership
29.2% of SHF shares are held by institutional investors. Comparatively, 88.7% of NCR Atleos shares are held by institutional investors. 5.8% of SHF shares are held by company insiders. Comparatively, 0.6% of NCR Atleos shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock is poised for long-term growth.
Summary
NCR Atleos beats SHF on 12 of the 14 factors compared between the two stocks.
About SHF
SHF Holdings, Inc., through its subsidiaries, provides access to banking, lending, and other financial services to financial institutions serving the cannabis industry. The company, through its proprietary platform, offers access to business checking and savings accounts, cash management accounts, savings and investment options, commercial lending, courier services, remote deposit services, automated clearing house payments and origination, and wire payments. Its services allow cannabis related businesses to obtain services from financial institutions that allow them to run their business with enhanced financial insight into their business and access to resources. The company was founded in 2015 and is based in Golden, Colorado. SHF Holdings, Inc. operates as a subsidiary of Partner Colorado Credit Union.
About NCR Atleos
NCR Atleos Corporation operates as a financial technology company in the United States, rest of the Americas, Europe, the Middle East, Africa, and the Asia Pacific. The company operates through three segments: Self-Service Banking, Network, and Telecommunications & Technology (T&T). The Self-Service Banking segment offers solutions, including a line of automated teller machine (ATM) and interactive teller machine (ITM) hardware and software, as well as related installation, maintenance, and managed and professional services; and solutions to manage and run the ATM channel end-to-end for financial institutions comprising back office, cash management, software management and ATM deployment, and others. The Network segment provides a network of ATMs and multi-functioning financial services kiosks for financial institutions, fintechs, neobanks, and retailers; Allpoint network for credit unions, banks, digital banks, fintechs, stored-value debit card issuers, and other consumer financial services providers; ReadyCode to convert a digital value to cash or cash to a digital value; ATM branding solutions to financial institutions; ATM management and services to retailers and other businesses; and engages in the buying and selling of Bitcoins. The T&T segment offers managed network and infrastructure services to enterprise clients across various industries through communications service providers and technology manufacturers; and professional, field, and remote services for modern network technologies, including software-defined wide area networking, network functions virtualization, wireless local area networks, optical networking, and edge networks. NCR Atleos Corporation is headquartered in Atlanta, Georgia.
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