Atlanticus (NASDAQ:ATLC) & Beeline (NASDAQ:BLNE) Financial Comparison

Beeline (NASDAQ:BLNE) and Atlanticus (NASDAQ:ATLC) are both small-cap finance companies, but which is the superior investment? We will compare the two companies based on the strength of their valuation, institutional ownership, dividends, earnings, profitability, analyst recommendations and risk.

Analyst Ratings

This is a breakdown of recent ratings and target prices for Beeline and Atlanticus, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Beeline	1	0	0	1	2.50
Atlanticus	0	2	4	0	2.67

Atlanticus has a consensus target price of $88.75, indicating a potential upside of 68.57%. Given Atlanticus’ stronger consensus rating and higher possible upside, analysts plainly believe Atlanticus is more favorable than Beeline.

Insider and Institutional Ownership

0.6% of Beeline shares are owned by institutional investors. Comparatively, 14.2% of Atlanticus shares are owned by institutional investors. 33.2% of Beeline shares are owned by company insiders. Comparatively, 51.8% of Atlanticus shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company is poised for long-term growth.

Risk and Volatility

Beeline has a beta of 1.65, meaning that its stock price is 65% more volatile than the S&P 500. Comparatively, Atlanticus has a beta of 1.95, meaning that its stock price is 95% more volatile than the S&P 500.

Valuation & Earnings

This table compares Beeline and Atlanticus”s revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Beeline	$9.57 million	8.30	-$11.33 million	($6.73)	-0.42
Atlanticus	$1.31 billion	0.61	$111.30 million	$5.63	9.35

Atlanticus has higher revenue and earnings than Beeline. Beeline is trading at a lower price-to-earnings ratio than Atlanticus, indicating that it is currently the more affordable of the two stocks.

Profitability

This table compares Beeline and Atlanticus’ net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Beeline	-242.70%	-35.87%	-27.98%
Atlanticus	7.46%	22.86%	2.86%

Summary

Atlanticus beats Beeline on 13 of the 15 factors compared between the two stocks.

About Beeline

Beeline Holdings, Inc. is a mortgage fintech company that provides a digital, AI-powered lending and title platform designed to streamline the home loan process. Headquartered in Providence, Rhode Island, Beeline aims to make mortgages simpler and faster by combining technology with an end-to-end approach across origination and title services. The company focuses on improving efficiency and transparency for homebuyers and homeowners, supporting broader access to financial flexibility through property ownership.

About Atlanticus

Atlanticus Holdings Corporation, a financial technology company, provides credit and related financial services and products to customers the United States. It operates in two segments, Credit as a Service, and Auto Finance. The Credit as a Service segment originates a range of consumer loan products, such as private label and general purpose credit cards originated by lenders through various channels, including retail and healthcare, direct mail solicitation, digital marketing, and partnerships with third parties; and offers credit to their customers for the purchase of various goods and services, including consumer electronics, furniture, elective medical procedures, healthcare, and home-improvements by partnering with retailers, healthcare providers, and other service providers. This segment also offers loan servicing, such as risk management and customer service outsourcing for third parties; and engages in testing and investment activities in consumer finance technology platforms. The Auto Finance segment purchases and/or services loans secured by automobiles from or for a pre-qualified network of independent automotive dealers and automotive finance companies in the buy-here, pay-here, and used car business. This segment also provides floor plan financing and installment lending products. It also invests in and services portfolios of credit card receivables. The company was founded in 1996 and is headquartered in Atlanta, Georgia.