SoFi Technologies (NASDAQ:SOFI – Get Rating) and SHF (NASDAQ:SHFS – Get Rating) are both business services companies, but which is the superior investment? We will compare the two companies based on the strength of their profitability, earnings, valuation, analyst recommendations, risk, institutional ownership and dividends.
Analyst Ratings
This is a summary of recent ratings and price targets for SoFi Technologies and SHF, as reported by MarketBeat.
Get SoFi Technologies alerts:| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| SoFi Technologies | 0 | 5 | 8 | 0 | 2.62 |
| SHF | 0 | 0 | 1 | 0 | 3.00 |
SoFi Technologies currently has a consensus target price of $9.19, indicating a potential upside of 24.56%. SHF has a consensus target price of $10.50, indicating a potential upside of 1,041.30%. Given SHF's stronger consensus rating and higher probable upside, analysts plainly believe SHF is more favorable than SoFi Technologies.
Profitability
This table compares SoFi Technologies and SHF's net margins, return on equity and return on assets.| Net Margins | Return on Equity | Return on Assets | |
| SoFi Technologies | -19.53% | -6.17% | -2.36% |
| SHF | N/A | 17.10% | 1.82% |
Earnings & Valuation
This table compares SoFi Technologies and SHF's revenue, earnings per share and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| SoFi Technologies | $1.57 billion | 4.35 | -$320.41 million | ($0.40) | -18.45 |
| SHF | N/A | N/A | $1.25 million | N/A | N/A |
SHF has lower revenue, but higher earnings than SoFi Technologies.
Insider and Institutional Ownership
34.3% of SoFi Technologies shares are owned by institutional investors. Comparatively, 82.0% of SHF shares are owned by institutional investors. 13.0% of SoFi Technologies shares are owned by company insiders. Comparatively, 17.7% of SHF shares are owned by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock will outperform the market over the long term.
Volatility & Risk
SoFi Technologies has a beta of 1.71, meaning that its share price is 71% more volatile than the S&P 500. Comparatively, SHF has a beta of 0.16, meaning that its share price is 84% less volatile than the S&P 500.
Summary
SHF beats SoFi Technologies on 8 of the 11 factors compared between the two stocks.
About SoFi Technologies
(Get Rating)
SoFi Technologies, Inc. provides digital financial services. It operates through three segments: Lending, Technology Platform, and Financial Services. The company's lending and financial services and products allows its members to borrow, save, spend, invest, and protect their money. It offers student loans; personal loans for debt consolidation and home improvement projects; and home loans. The company also provides cash management, investment, and technology services. In addition, it operates Galileo, a technology platform that offers services to financial and non-financial institutions; and Apex, a technology enabled platform that provides investment custody and clearing brokerage services, as well as Technisys, a cloud-based digital multi-product core banking platform. The company was founded in 2011 and is headquartered in San Francisco, California.
About SHF
(Get Rating)
SHF Holdings, Inc., through its subsidiaries, provides access to banking, lending, and other financial services to financial institutions serving the cannabis industry. The company, through its proprietary platform, offers access to business checking and savings accounts, cash management accounts, savings and investment options, commercial lending, courier services, remote deposit services, automated clearing house payments and origination, and wire payments. Its services allow cannabis related businesses to obtain services from financial institutions that allow them to run their business with enhanced financial insight into their business and access to resources. The company was founded in 2015 and is based in Arvada, Colorado.
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