Comparing Corpay (NYSE:CPAY) & OppFi (NYSE:OPFI)

Corpay (NYSE:CPAY) and OppFi (NYSE:OPFI) are both business services companies, but which is the superior business? We will contrast the two businesses based on the strength of their institutional ownership, valuation, dividends, analyst recommendations, earnings, profitability and risk.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Corpay	24.37%	37.83%	7.26%
OppFi	0.68%	55.59%	20.07%

Valuation & Earnings

This table compares Corpay and OppFi”s top-line revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Corpay	$3.97 billion	5.65	$1.00 billion	$14.73	21.80
OppFi	$525.96 million	1.63	$7.26 million	($0.75)	-13.26

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

Analyst Ratings

This is a breakdown of current recommendations for Corpay and OppFi, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Corpay	0	5	7	0	2.58
OppFi	1	2	2	0	2.20

Corpay presently has a consensus price target of $366.25, suggesting a potential upside of 14.05%. OppFi has a consensus price target of $13.63, suggesting a potential upside of 37.00%. Given OppFi’s higher possible upside, analysts plainly believe OppFi is more favorable than Corpay.

Institutional and Insider Ownership

98.8% of Corpay shares are owned by institutional investors. Comparatively, 7.1% of OppFi shares are owned by institutional investors. 5.0% of Corpay shares are owned by insiders. Comparatively, 72.0% of OppFi shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company is poised for long-term growth.

Risk and Volatility

Corpay has a beta of 0.84, indicating that its stock price is 16% less volatile than the S&P 500. Comparatively, OppFi has a beta of 1.69, indicating that its stock price is 69% more volatile than the S&P 500.

Summary

Corpay beats OppFi on 9 of the 14 factors compared between the two stocks.

About Corpay

Corpay, Inc. operates as a payments company that helps businesses and consumers manage vehicle-related expenses, lodging expenses, and corporate payments in the United States, Brazil, the United Kingdom, and internationally. The company offers vehicle payment solutions, which include fuel, tolls, parking, fleet maintenance, and long-haul transportation services, as well as prepaid food and transportation vouchers and cards. It also provides corporate payment solutions consisting of accounts payable automation; virtual cards, cross-border solutions; and purchasing and travel and entertainment card products, as well as lodging payments solutions for employees who travel overnight for work purposes; traveling crews and stranded passengers from airlines and cruise lines; and insurance policyholders displaced from their homes due to damage or catastrophe. In addition, the company offers gifts and payroll cards. It serves business, merchant, consumer, and payment network customers. The company was formerly known as FLEETCOR Technologies, Inc. and changed its name to Corpay, Inc. in March 2024. Corpay, Inc. was founded in 1986 and is headquartered in Atlanta, Georgia.

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.