Atlanticus (NASDAQ:ATLC) vs. Cosmos Group (OTCMKTS:COSG) Head-To-Head Analysis

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

Volatility and Risk

Atlanticus has a beta of 1.92, meaning that its stock price is 92% more volatile than the S&P 500. Comparatively, Cosmos Group has a beta of 1.54, meaning that its stock price is 54% more volatile than the S&P 500.

Institutional and Insider Ownership

14.1% of Atlanticus shares are owned by institutional investors. 51.8% of Atlanticus shares are owned by insiders. Comparatively, 0.4% of Cosmos Group shares are owned 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.

Analyst Recommendations

This is a summary of recent recommendations and price targets for Atlanticus and Cosmos Group, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Atlanticus	0	1	2	0	2.67
Cosmos Group	0	0	0	0	N/A

Atlanticus presently has a consensus price target of $41.00, indicating a potential upside of 9.65%. Given Atlanticus’ higher probable upside, equities analysts plainly believe Atlanticus is more favorable than Cosmos Group.

Profitability

This table compares Atlanticus and Cosmos Group’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Atlanticus	8.42%	25.32%	3.73%
Cosmos Group	N/A	N/A	-79.06%

Earnings & Valuation

This table compares Atlanticus and Cosmos Group”s revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Atlanticus	$262.48 million	2.11	$102.85 million	$4.24	8.82
Cosmos Group	$620,000.00	0.74	-$77.34 million	N/A	N/A

Atlanticus has higher revenue and earnings than Cosmos Group.

Summary

Atlanticus beats Cosmos Group on 11 of the 11 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 Cosmos Group

Cosmos Group Holdings Inc. focuses on the physical artworks and collectibles business in Hong Kong and internationally. It operates online platform to sell and distribute the arts and collectibles to end-users with the use of blockchain technologies and minting tokens. The company is based in Singapore.