Contrasting ATIF (NASDAQ:ZBAI) and Equifax (NYSE:EFX)

Equifax (NYSE:EFX) and ATIF (NASDAQ:ZBAI) are both business services companies, but which is the superior business? We will compare the two companies based on the strength of their profitability, valuation, institutional ownership, dividends, analyst recommendations, risk and earnings.

Risk & Volatility

Equifax has a beta of 1.64, indicating that its stock price is 64% more volatile than the S&P 500. Comparatively, ATIF has a beta of -0.6, indicating that its stock price is 160% less volatile than the S&P 500.

Analyst Recommendations

This is a summary of current ratings and target prices for Equifax and ATIF, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Equifax	0	8	12	1	2.67
ATIF	1	0	0	0	1.00

Equifax presently has a consensus target price of $277.13, suggesting a potential upside of 35.46%. Given Equifax’s stronger consensus rating and higher probable upside, equities research analysts clearly believe Equifax is more favorable than ATIF.

Insider & Institutional Ownership

96.2% of Equifax shares are owned by institutional investors. 1.4% of Equifax shares are owned by company insiders. Comparatively, 32.2% of ATIF shares are owned by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company is poised for long-term growth.

Profitability

This table compares Equifax and ATIF’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Equifax	11.08%	19.28%	8.10%
ATIF	N/A	-90.49%	-79.46%

Earnings & Valuation

This table compares Equifax and ATIF”s revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Equifax	$5.94 billion	4.21	$604.10 million	$5.27	38.82
ATIF	$620,000.00	10.78	-$3.19 million	($7.19)	-0.97

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

Summary

Equifax beats ATIF on 13 of the 15 factors compared between the two stocks.

About Equifax

Equifax Inc. operates as a data, analytics, and technology company. The company operates through three segments: Workforce Solutions, U.S. Information Solutions (USIS), and International. The Workforce Solutions segment offers services that enables customers to verify income, employment, educational history, criminal justice data, healthcare professional licensure, and sanctions of people in the United States; and employer customers with services that assist them in complying with and automating payroll-related and human resource management processes throughout the entire cycle of the employment relationship. The USIS segment provides consumer and commercial information services, such as credit information and credit scoring, credit modeling and portfolio analytics, locate, fraud detection and prevention, identity verification, and other consulting services; mortgage services; financial marketing services; identity management services; and credit monitoring products. The International segment offers information service products, which include consumer and commercial services, such as credit and financial information, and credit scoring and modeling; and credit and other marketing products and services, as well as offers information, technology, and other services to support debt collections and recovery management. The company serves customers in financial services, mortgage, retail, telecommunications, utilities, automotive, brokerage, healthcare, and insurance industries, as well as government agencies. It operates in Argentina, Australia, Brazil, Canada, Chile, Costa Rica, Dominican Republic, Ecuador, El Salvador, Honduras, India, Ireland, Mexico, New Zealand, Paraguay, Peru, Portugal, Spain, the United Kingdom, Uruguay, and the United States. The company was founded in 1899 and is headquartered in Atlanta, Georgia.

About ATIF

ATIF Holdings Ltd. engages in the provision of financial consulting services. It is also involved in merger and acquisition business advisory, post-listing compliance, management support, and related services. The company was founded on January 5, 2015 and is headquartered in Lake Forest, CA.