SoFi Technologies (NASDAQ:SOFI) versus Mercurity Fintech (NASDAQ:MFH) Head-To-Head Review
SoFi Technologies (NASDAQ:SOFI – Get Free Report) and Mercurity Fintech (NASDAQ:MFH – Get Free Report) are both business services companies, but which is the better stock? We will contrast the two businesses based on the strength of their earnings, risk, valuation, institutional ownership, profitability, analyst recommendations and dividends.
Profitability
This table compares SoFi Technologies and Mercurity Fintech’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| SoFi Technologies | -8.21% | 1.10% | 0.20% |
| Mercurity Fintech | N/A | N/A | N/A |
Valuation & Earnings
This table compares SoFi Technologies and Mercurity Fintech’s gross revenue, earnings per share (EPS) and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| SoFi Technologies | $2.12 billion | 3.20 | -$300.74 million | ($0.31) | -20.71 |
| Mercurity Fintech | $450,000.00 | 155.17 | -$9.36 million | N/A | N/A |
Mercurity Fintech has lower revenue, but higher earnings than SoFi Technologies.
Insider and Institutional Ownership
38.4% of SoFi Technologies shares are owned by institutional investors. Comparatively, 30.8% of Mercurity Fintech shares are owned by institutional investors. 2.6% of SoFi Technologies shares are owned by company insiders. Comparatively, 62.8% of Mercurity Fintech shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock will outperform the market over the long term.
Analyst Recommendations
This is a summary of current ratings for SoFi Technologies and Mercurity Fintech, as reported by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| SoFi Technologies | 3 | 10 | 5 | 0 | 2.11 |
| Mercurity Fintech | 0 | 0 | 0 | 0 | N/A |
SoFi Technologies currently has a consensus target price of $9.08, suggesting a potential upside of 41.48%. Given SoFi Technologies’ higher probable upside, research analysts clearly believe SoFi Technologies is more favorable than Mercurity Fintech.
Volatility and Risk
SoFi Technologies has a beta of 1.72, meaning that its share price is 72% more volatile than the S&P 500. Comparatively, Mercurity Fintech has a beta of 1.93, meaning that its share price is 93% more volatile than the S&P 500.
Summary
SoFi Technologies beats Mercurity Fintech on 6 of the 11 factors compared between the two stocks.
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.
About Mercurity Fintech
Mercurity Fintech Holding Inc. operates as a fintech company powered by blockchain. The company provides digital asset trading infrastructure solutions based on internet and blockchain technologies for cryptocurrency traders; and asset digitalization platform, which offers blockchain-based digitalization solutions for traditional assets, such as fiat currencies, bonds, and precious metals. It also offers cryptocurrency mining services that provides computing power to the mining pool; and digital consultation services, such as digital payment solutions, asset management, and online and traditional brokerage services. The company was formerly known as JMU Limited and changed its name to Mercurity Fintech Holding Inc. in April 2020. Mercurity Fintech Holding Inc. was incorporated in 2011 and is headquartered in New York, New York.
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