Coinbase Global (NASDAQ:COIN) versus OppFi (NYSE:OPFI) Critical Comparison

Coinbase Global (NASDAQ:COIN – Get Rating) and OppFi (NYSE:OPFI – Get Rating) are both finance companies, but which is the superior business? We will contrast the two businesses based on the strength of their earnings, dividends, profitability, institutional ownership, risk, analyst recommendations and valuation.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Coinbase Global	-81.21%	-38.28%	-1.94%
OppFi	1.33%	2.56%	0.73%

Valuation & Earnings

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

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Coinbase Global	$3.19 billion	4.18	-$2.62 billion	($10.21)	-5.57
OppFi	$452.86 million	0.53	$7.10 million	($0.14)	-15.71

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

Analyst Recommendations

This is a summary of recent ratings and target prices for Coinbase Global and OppFi, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Coinbase Global	6	12	8	0	2.08
OppFi	0	1	2	0	2.67

Coinbase Global presently has a consensus target price of $60.52, suggesting a potential upside of 6.42%. OppFi has a consensus target price of $3.00, suggesting a potential upside of 36.36%. Given OppFi’s stronger consensus rating and higher probable upside, analysts plainly believe OppFi is more favorable than Coinbase Global.

Institutional & Insider Ownership

46.4% of Coinbase Global shares are held by institutional investors. Comparatively, 3.2% of OppFi shares are held by institutional investors. 36.1% of Coinbase Global shares are held by company insiders. Comparatively, 88.7% of OppFi shares are held by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company is poised for long-term growth.

Volatility & Risk

Coinbase Global has a beta of 2.58, meaning that its share price is 158% more volatile than the S&P 500. Comparatively, OppFi has a beta of 0.7, meaning that its share price is 30% less volatile than the S&P 500.

Summary

OppFi beats Coinbase Global on 8 of the 14 factors compared between the two stocks.

About Coinbase Global

(Get Rating)

Coinbase Global, Inc. provides financial infrastructure and technology for the cryptoeconomy in the United States and internationally. The company offers the primary financial account in the cryptoeconomy for retailers; a marketplace with a pool of liquidity for transacting in crypto assets for institutions; and technology and services that enable ecosystem partners to build crypto-based applications and securely accept crypto assets as payment. Coinbase Global, Inc. was founded in 2012 and is based in Wilmington, Delaware.

About OppFi

(Get Rating)

OppFi Inc. operates a financial technology platform that allows banks to offer lending products. Its platform facilitates the OppLoan, an installment loan product; SalaryTap, a payroll deduction secured installment loan product; and OppFi Card, a credit card product. The company is based in Chicago, Illinois.