Comparing SoFi Technologies (NASDAQ:SOFI) & Intrum AB (publ) (OTCMKTS:ITJTY)

SoFi Technologies (NASDAQ:SOFI) and Intrum AB (publ) (OTCMKTS:ITJTY) are both finance companies, but which is the better stock? We will compare the two businesses based on the strength of their valuation, earnings, profitability, analyst recommendations, risk, institutional ownership and dividends.

Insider & Institutional Ownership

38.4% of SoFi Technologies shares are held by institutional investors. 2.5% of SoFi Technologies shares are held by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company will outperform the market over the long term.

Earnings and Valuation

This table compares SoFi Technologies and Intrum AB (publ)”s top-line revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
SoFi Technologies	$3.61 billion	6.76	$481.32 million	$0.48	39.40
Intrum AB (publ)	N/A	N/A	N/A	$12.65	0.02

SoFi Technologies has higher revenue and earnings than Intrum AB (publ). Intrum AB (publ) is trading at a lower price-to-earnings ratio than SoFi Technologies, indicating that it is currently the more affordable of the two stocks.

Profitability

This table compares SoFi Technologies and Intrum AB (publ)’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
SoFi Technologies	14.78%	6.22%	1.22%
Intrum AB (publ)	N/A	N/A	N/A

Analyst Ratings

This is a breakdown of current ratings for SoFi Technologies and Intrum AB (publ), as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
SoFi Technologies	3	10	8	0	2.24
Intrum AB (publ)	0	0	0	0	0.00

SoFi Technologies currently has a consensus price target of $22.42, suggesting a potential upside of 18.54%. Given SoFi Technologies’ stronger consensus rating and higher probable upside, equities analysts plainly believe SoFi Technologies is more favorable than Intrum AB (publ).

Summary

SoFi Technologies beats Intrum AB (publ) on 10 of the 11 factors compared between the two stocks.

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.

About Intrum AB (publ)

Intrum AB (publ), together with its subsidiaries, provides credit management services in Europe and internationally. The company offers credit optimization services, including credit monitoring, credit decision, factoring, and credit information services; and debt collection comprising surveillance and purchase services. It also provides payment services, such as reminder, payment guarantee, and VAT services; e-commerce services comprising credit management, payment solutions, and collection services; accounts receivables services that include invoice, payment booking, monitoring of due dates, reminder, and collection services; and financing and portfolio investment services. Intrum AB (publ) was founded in 1923 and is headquartered in Stockholm, Sweden.