Critical Contrast: Ems Find (OTCMKTS:INTV) versus Atlanticus (NASDAQ:ATLC)

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

Profitability

This table compares Atlanticus and Ems Find’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Atlanticus	6.21%	22.39%	2.36%
Ems Find	-320.01%	N/A	-160.85%

Analyst Recommendations

This is a summary of current ratings for Atlanticus and Ems Find, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Atlanticus	0	2	4	0	2.67
Ems Find	0	0	0	0	0.00

Atlanticus presently has a consensus target price of $91.25, suggesting a potential upside of 73.91%. Given Atlanticus’ stronger consensus rating and higher probable upside, research analysts plainly believe Atlanticus is more favorable than Ems Find.

Valuation & Earnings

This table compares Atlanticus and Ems Find”s top-line revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Atlanticus	$1.97 billion	0.40	$122.20 million	$5.96	8.80
Ems Find	$5.86 million	0.36	-$11.52 million	($0.90)	-0.38

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

Insider and Institutional Ownership

14.2% of Atlanticus shares are held by institutional investors. 51.8% of Atlanticus shares are held by company insiders. Comparatively, 30.1% of Ems Find shares are held by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company will outperform the market over the long term.

Risk & Volatility

Atlanticus has a beta of 1.95, suggesting that its stock price is 95% more volatile than the S&P 500. Comparatively, Ems Find has a beta of 2.82, suggesting that its stock price is 182% more volatile than the S&P 500.

Summary

Atlanticus beats Ems Find on 13 of the 14 factors compared between the two stocks.

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.

About Ems Find

Integrated Ventures, Inc. engages in the mining of digital currency. The company manufactures and sells mining equipment and mining rigs; as well as develops blockchain software. It also provides transaction verification services for digital currency networks of cryptocurrencies, such as Bitcoin, Quant, and Dogecoin. The company is based in Tioga, Pennsylvania.