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

OppFi (NYSE:OPFIGet Free Report) and Atlanticus (NASDAQ:ATLCPGet Free Report) are both financial services companies, but which is the better stock? We will contrast the two businesses based on the strength of their analyst recommendations, valuation, earnings, risk, dividends, institutional ownership and profitability.

Institutional and Insider Ownership

7.1% of OppFi shares are owned by institutional investors. 87.2% of OppFi shares are owned by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock will outperform the market over the long term.

Valuation & Earnings

This table compares OppFi and Atlanticus’ gross revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
OppFi $508.95 million 0.69 -$1.00 million ($0.02) -159.42
Atlanticus $256.34 million N/A N/A N/A N/A

Atlanticus has lower revenue, but higher earnings than OppFi.

Analyst Ratings

This is a breakdown of recent ratings 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 33.23%. Given OppFi’s higher probable upside, analysts clearly believe OppFi is more favorable than Atlanticus.

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

Summary

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

About OppFi

(Get Free Report)

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

(Get Free Report)

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.

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