Reviewing OppFi (NYSE:OPFI) & Paypoint (OTCMKTS:PYPTF)

Paypoint (OTCMKTS:PYPTF) and OppFi (NYSE:OPFI) are both small-cap business services companies, but which is the superior stock? We will compare the two businesses based on the strength of their institutional ownership, valuation, risk, profitability, dividends, earnings and analyst recommendations.

Insider and Institutional Ownership

7.1% of OppFi shares are owned by institutional investors. 72.0% of OppFi 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.

Earnings and Valuation

This table compares Paypoint and OppFi”s top-line revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Paypoint	$391.23 million	2.57	$24.49 million	N/A	N/A
OppFi	$525.96 million	1.64	$7.26 million	($0.75)	-13.19

Paypoint has higher earnings, but lower revenue than OppFi.

Risk & Volatility

Paypoint has a beta of 0.37, indicating that its share price is 63% less volatile than the S&P 500. Comparatively, OppFi has a beta of 1.69, indicating that its share price is 69% more volatile than the S&P 500.

Analyst Recommendations

This is a breakdown of recent ratings and price targets for Paypoint and OppFi, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Paypoint	0	0	0	0	0.00
OppFi	1	1	3	1	2.67

OppFi has a consensus price target of $13.63, suggesting a potential upside of 37.71%. Given OppFi’s stronger consensus rating and higher probable upside, analysts clearly believe OppFi is more favorable than Paypoint.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Paypoint	N/A	N/A	N/A
OppFi	0.68%	58.48%	20.60%

Summary

OppFi beats Paypoint on 11 of the 13 factors compared between the two stocks.

About Paypoint

PayPoint plc engages in the provision of payments and banking, shopping, and e-commerce services and products in the United Kingdom. The company operates through two segments: PayPoint and Love2shop. The PayPoint segment provides card payment services to retailers, including leased payment devices; EPoS; ATM cash machines; SIM cards sales; receipt advertising; bill payment services and cash top-ups to individual consumers; parcel delivery and collection services; retailer service fees solutions; and digital payment services, as well as cash through to digital services. The segment offers its products under PayPoint One, eMoney, MultiPay, CashOut, and Direct Debits platforms. The Love2shop segment is involved in the provision of shopping vouchers, cards, and e-codes which customers may redeem with participating retailers; and Christmas savings club, to which customers make regular payments throughout the year to help spread the cost of Christmas, before converting to a voucher. It serves consumers, SMEs, and convenience retailers in the commercial, not-for-profit, and public sectors. The company was founded in 1996 and is headquartered in Welwyn Garden City, the United Kingdom.

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.