Euronet Worldwide (NASDAQ:EEFT – Get Free Report) and Chicago Atlantic Real Estate Finance (NASDAQ:REFI – Get Free Report) are both finance companies, but which is the superior investment? We will contrast the two businesses based on the strength of their valuation, analyst recommendations, institutional ownership, earnings, dividends, profitability and risk.
Valuation and Earnings
This table compares Euronet Worldwide and Chicago Atlantic Real Estate Finance”s revenue, earnings per share (EPS) and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Euronet Worldwide | $4.18 billion | 0.74 | $306.00 million | $6.83 | 10.80 |
| Chicago Atlantic Real Estate Finance | $54.95 million | 4.87 | $37.04 million | $1.69 | 7.51 |
Profitability
This table compares Euronet Worldwide and Chicago Atlantic Real Estate Finance’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Euronet Worldwide | 7.27% | 27.63% | 5.78% |
| Chicago Atlantic Real Estate Finance | 64.78% | 11.94% | 8.55% |
Analyst Ratings
This is a breakdown of current recommendations and price targets for Euronet Worldwide and Chicago Atlantic Real Estate Finance, as reported by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Euronet Worldwide | 0 | 2 | 5 | 0 | 2.71 |
| Chicago Atlantic Real Estate Finance | 1 | 1 | 2 | 0 | 2.25 |
Euronet Worldwide presently has a consensus target price of $117.60, suggesting a potential upside of 59.42%. Chicago Atlantic Real Estate Finance has a consensus target price of $18.00, suggesting a potential upside of 41.90%. Given Euronet Worldwide’s stronger consensus rating and higher possible upside, equities analysts plainly believe Euronet Worldwide is more favorable than Chicago Atlantic Real Estate Finance.
Risk & Volatility
Euronet Worldwide has a beta of 0.86, suggesting that its share price is 14% less volatile than the S&P 500. Comparatively, Chicago Atlantic Real Estate Finance has a beta of 0.22, suggesting that its share price is 78% less volatile than the S&P 500.
Institutional & Insider Ownership
91.6% of Euronet Worldwide shares are held by institutional investors. Comparatively, 25.5% of Chicago Atlantic Real Estate Finance shares are held by institutional investors. 11.2% of Euronet Worldwide shares are held by insiders. Comparatively, 8.3% of Chicago Atlantic Real Estate Finance shares are held by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company is poised for long-term growth.
Summary
Euronet Worldwide beats Chicago Atlantic Real Estate Finance on 11 of the 14 factors compared between the two stocks.
About Euronet Worldwide
Euronet Worldwide, Inc. provides payment and transaction processing and distribution solutions to financial institutions, retailers, service providers, and individual consumers worldwide. It operates through three segments: Electronic Fund Transfer Processing, epay, and Money Transfer. The Electronic Fund Transfer Processing segment provides electronic payment solutions, including automated teller machine (ATM) cash withdrawal and deposit services, ATM network participation, outsourced ATM and point-of-sale (POS) management solutions, credit and debit and prepaid card outsourcing, card issuing, and merchant acquiring services. It also offers ATM and POS currency conversion, ATM surcharge, advertising, customer relationship management, mobile top-up, bill payment, fraud management, foreign remittance and cardless payout, banknote recycling, and tax-refund services; and integrated electronic financial transaction software solutions for electronic payment and transaction delivery systems. The epay segment distributes and processes prepaid mobile airtime and other electronic payment products; and provides payment processing services for various prepaid products, cards, and services, as well as vouchers and physical gift fulfillment, and gift card distribution and processing services. This segment operates a network of approximately 821,000 POS terminals. The Money Transfer segment offers consumer-to-consumer and account-to-account money transfer, customers bill payment, check cashing, foreign currency exchange, mobile top-up, and cash management and foreign currency risk management services, as well as payment alternatives, such as money orders and prepaid debit cards. The company was formerly known as Euronet Services, Inc. and changed its name to Euronet Worldwide, Inc. in August 2001. Euronet Worldwide, Inc. was founded in 1994 and is headquartered in Leawood, Kansas.
About Chicago Atlantic Real Estate Finance
Chicago Atlantic Real Estate Finance, Inc. operates as a commercial real estate finance company in the United States. The company engages in originating, structuring, and investing in first mortgage loans and alternative structured financings secured by commercial real estate properties. Its portfolio primarily includes offers senior loans to state-licensed operators in the cannabis industry. The company has elected to be taxed as a real estate investment trust (REIT) and would not be subject to federal corporate income taxes if it distributes at least 90% of its taxable income to its stockholders. Chicago Atlantic Real Estate Finance, Inc. was incorporated in 2021 and is headquartered in Chicago, Illinois.
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