Comparing OppFi (NYSE:OPFI) and Atlanticus (NASDAQ:ATLCP)

OppFi (NYSE:OPFI) and Atlanticus (NASDAQ:ATLCP) are both business services companies, but which is the better investment? We will compare the two businesses based on the strength of their risk, analyst recommendations, dividends, institutional ownership, earnings, valuation and profitability.

Earnings & Valuation

This table compares OppFi and Atlanticus’ top-line revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
OppFi	$508.95 million	0.63	-$1.00 million	($0.02)	-146.00
Atlanticus	$256.34 million	N/A	N/A	N/A	N/A

Atlanticus has lower revenue, but higher earnings than OppFi.

Profitability

This table compares OppFi and Atlanticus’ net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
OppFi	-0.20%	23.92%	7.41%
Atlanticus	N/A	N/A	N/A

Institutional and Insider Ownership

7.1% of OppFi shares are owned by institutional investors. 87.2% of OppFi shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock is poised for long-term growth.

Analyst Recommendations

This is a breakdown of current recommendations for OppFi and Atlanticus, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
OppFi	0	0	2	0	3.00
Atlanticus	0	0	0	0	N/A

OppFi presently has a consensus price target of $4.25, suggesting a potential upside of 45.55%. Given OppFi’s higher probable upside, analysts plainly believe OppFi is more favorable than Atlanticus.

Summary

OppFi beats Atlanticus on 7 of the 8 factors compared between the two stocks.

About OppFi

OppFi Inc. operates a cialty finance platform that allows banks to offer credit access. Its platform facilitates the OppLoans, an installment loan product; SalaryTap, a payroll deduction secured installment loan product; and OppFi Card, a credit card product. OppFi Inc. was founded in 2012 and is headquartered in Chicago, Illinois.

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.