Reviewing Lendingclub (NASDAQ:HAPN) and Atlanticus Holdings Co. 6.125% Senior Notes due 2026 (NASDAQ:ATLCL)

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

Profitability

This table compares Atlanticus Holdings Co. 6.125% Senior Notes due 2026 and Lendingclub’s 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
Lendingclub	18.67%	12.92%	1.66%

Insider and Institutional Ownership

74.1% of Lendingclub shares are held by institutional investors. 3.3% of Lendingclub shares are held by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock is poised for long-term growth.

Earnings & Valuation

This table compares Atlanticus Holdings Co. 6.125% Senior Notes due 2026 and Lendingclub”s gross revenue, earnings per share (EPS) 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
Lendingclub	$998.85 million	2.42	$135.68 million	$1.66	12.61

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

Analyst Ratings

This is a breakdown of recent ratings and price targets for Atlanticus Holdings Co. 6.125% Senior Notes due 2026 and Lendingclub, as provided by MarketBeat.com.

	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
Lendingclub	0	1	2	0	2.67

Lendingclub has a consensus target price of $25.00, suggesting a potential upside of 19.47%. Given Lendingclub’s stronger consensus rating and higher probable upside, analysts plainly believe Lendingclub is more favorable than Atlanticus Holdings Co. 6.125% Senior Notes due 2026.

Summary

Lendingclub 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 Lendingclub

LendingClub Corporation, operates as a bank holding company for LendingClub Bank, National Association that provides range of financial products and services through a technology-driven platform in the United States. The company provides commercial and industrial, commercial real estate, small business, and equipment loans, as well as leases equipment; and unsecured personal and auto, patient finance, and education finance loans. It also operates an online lending marketplace platform that connects borrowers and investors. LendingClub Corporation was incorporated in 2006 and is headquartered in San Francisco, California.