Comparing Qfin (NASDAQ:QFIN) and Atlanticus Holdings Co. 6.125% Senior Notes due 2026 (NASDAQ:ATLCL)

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

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Qfin	27.48%	20.85%	8.71%
Atlanticus Holdings Co. 6.125% Senior Notes due 2026	N/A	N/A	N/A

Institutional and Insider Ownership

74.8% of Qfin shares are owned by institutional investors. 17.1% of Qfin shares are owned by 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.

Valuation and Earnings

This table compares Qfin and Atlanticus Holdings Co. 6.125% Senior Notes due 2026″s revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Qfin	$2.75 billion	0.55	$856.52 million	$5.46	2.29
Atlanticus Holdings Co. 6.125% Senior Notes due 2026	N/A	N/A	N/A	N/A	N/A

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

Analyst Recommendations

This is a summary of recent ratings and recommmendations for Qfin and Atlanticus Holdings Co. 6.125% Senior Notes due 2026, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Qfin	1	4	1	0	2.00
Atlanticus Holdings Co. 6.125% Senior Notes due 2026	0	0	0	0	0.00

Qfin presently has a consensus target price of $16.31, suggesting a potential upside of 30.56%. Given Qfin’s stronger consensus rating and higher possible upside, research analysts clearly 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 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.

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