Head-To-Head Survey: Atlanticus Holdings Co. 6.125% Senior Notes due 2026 (NASDAQ:ATLCL) and Qfin (NASDAQ:QFIN)

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

Profitability

This table compares Atlanticus Holdings Co. 6.125% Senior Notes due 2026 and Qfin’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
Qfin	27.48%	20.85%	8.71%

Earnings and Valuation

This table compares Atlanticus Holdings Co. 6.125% Senior Notes due 2026 and Qfin”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
Qfin	$14.99 billion	0.11	$856.52 million	$5.46	2.42

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

Institutional and Insider Ownership

74.8% of Qfin shares are owned by institutional investors. 17.1% of Qfin shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock will outperform the market over the long term.

Analyst Recommendations

This is a breakdown of current ratings for Atlanticus Holdings Co. 6.125% Senior Notes due 2026 and Qfin, as provided 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
Qfin	1	3	1	0	2.00

Qfin has a consensus price target of $19.91, indicating a potential upside of 50.38%. Given Qfin’s stronger consensus rating and higher probable upside, analysts plainly believe Qfin is more favorable than Atlanticus Holdings Co. 6.125% Senior Notes due 2026.

Summary

Qfin 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 Qfin

Qifu Technology, Inc., through its subsidiaries, operates credit-tech platform under the 360 Jietiao brand in the People's Republic of China. It provides credit-driven services that matches borrowers with financial institutions to conduct customer acquisition, initial and credit screening, advanced risk assessment, credit assessment, fund matching, and other post-facilitation services; and platform services, including loan facilitation and post-facilitation services to financial institution partners under intelligence credit engine, referral services, and risk management software-as-a-service. The company also offers e-commerce loans, enterprise loans, and invoice loans to SME owners. It serves financial institutions, consumers, and small- and micro-enterprises. The company was formerly known as 360 DigiTech, Inc. and changed its name to Qifu Technology, Inc. in March 2023. The company was founded in 2016 and is headquartered in Shanghai, the People's Republic of China.