Head to Head Survey: Intrum AB (publ) (OTCMKTS:ITJTY) and SoFi Technologies (NASDAQ:SOFI)

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

Profitability

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

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

Analyst Recommendations

This is a breakdown of recent recommendations and price targets for Intrum AB (publ) and SoFi Technologies, as reported by MarketBeat.

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

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

Valuation and Earnings

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

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

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.

Institutional & Insider Ownership

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

Summary

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

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.

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.