Atlanticus Holdings Co. 6.125% Senior Notes due 2026 (NASDAQ:ATLCL) and SoFi Technologies (NASDAQ:SOFI) Critical Comparison

Atlanticus Holdings Co. 6.125% Senior Notes due 2026 (NASDAQ:ATLCL) and SoFi Technologies (NASDAQ:SOFI) are both finance companies, but which is the superior investment? We will contrast the two companies based on the strength of their profitability, dividends, institutional ownership, earnings, analyst recommendations, risk and valuation.

Earnings and Valuation

This table compares Atlanticus Holdings Co. 6.125% Senior Notes due 2026 and SoFi Technologies”s gross revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Atlanticus Holdings Co. 6.125% Senior Notes due 2026	N/A	N/A	N/A	N/A	N/A
SoFi Technologies	$3.61 billion	6.46	$481.32 million	$0.48	37.62

SoFi Technologies has higher revenue and earnings than Atlanticus Holdings Co. 6.125% Senior Notes due 2026.

Insider & Institutional Ownership

38.4% of SoFi Technologies shares are held by institutional investors. 2.5% of SoFi Technologies shares are held by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company is poised for long-term growth.

Profitability

This table compares Atlanticus Holdings Co. 6.125% Senior Notes due 2026 and SoFi Technologies’ net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Atlanticus Holdings Co. 6.125% Senior Notes due 2026	N/A	N/A	N/A
SoFi Technologies	14.78%	6.22%	1.22%

Analyst Ratings

This is a breakdown of current ratings and recommmendations for Atlanticus Holdings Co. 6.125% Senior Notes due 2026 and SoFi Technologies, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Atlanticus Holdings Co. 6.125% Senior Notes due 2026	0	0	0	0	0.00
SoFi Technologies	3	10	8	0	2.24

SoFi Technologies has a consensus target price of $22.42, indicating a potential upside of 24.12%. Given SoFi Technologies’ stronger consensus rating and higher possible upside, analysts plainly believe SoFi Technologies is more favorable than Atlanticus Holdings Co. 6.125% Senior Notes due 2026.

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 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

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.