Reviewing SoFi Technologies (NASDAQ:SOFI) & Gentera (OTCMKTS:CMPRF)

Gentera (OTCMKTS:CMPRF) and SoFi Technologies (NASDAQ:SOFI) are both finance companies, but which is the better business? We will contrast the two companies based on the strength of their institutional ownership, dividends, valuation, earnings, risk, analyst recommendations and profitability.

Valuation & Earnings

This table compares Gentera and SoFi Technologies”s top-line revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Gentera	N/A	N/A	N/A	$1.95	1.24
SoFi Technologies	$3.61 billion	6.52	$481.32 million	$0.48	38.00

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

Analyst Ratings

This is a breakdown of recent recommendations and price targets for Gentera and SoFi Technologies, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Gentera	0	0	1	0	3.00
SoFi Technologies	3	10	8	0	2.24

SoFi Technologies has a consensus price target of $22.42, suggesting a potential upside of 22.90%. Given SoFi Technologies’ higher probable upside, analysts plainly believe SoFi Technologies is more favorable than Gentera.

Profitability

This table compares Gentera and SoFi Technologies’ net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Gentera	N/A	N/A	N/A
SoFi Technologies	14.78%	6.22%	1.22%

Institutional & Insider Ownership

25.2% of Gentera shares are owned by institutional investors. Comparatively, 38.4% of SoFi Technologies shares are owned by institutional investors. 2.5% of SoFi Technologies shares are owned by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company is poised for long-term growth.

Summary

SoFi Technologies beats Gentera on 9 of the 11 factors compared between the two stocks.

About Gentera

Gentera, S. A. B. de C. V. provides various financial products and services in Mexico and Peru. The company offers individual and group credit, savings, insurance, and transactional channels services to entrepreneurs and microentrepreneurs. It also provides insurance agent services; and personal loans; as well as operates as a bank commission agent administrator that offers financial operations, payment of services, and cellphone top-ups services. The company was formerly known as Financiera Compartamos, S.A. B. de C. V. Gentera, S. A. B. de C. V. was founded in 1990 and is headquartered in Mexico City, Mexico.

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.