Comparing OppFi (NYSE:OPFI) & Expensify (NASDAQ:EXFY)

OppFi (NYSE:OPFI) and Expensify (NASDAQ:EXFY) are both small-cap business services companies, but which is the better business? We will contrast the two businesses based on the strength of their valuation, analyst recommendations, dividends, earnings, institutional ownership, risk and profitability.

Institutional & Insider Ownership

7.1% of OppFi shares are held by institutional investors. Comparatively, 68.4% of Expensify shares are held by institutional investors. 72.0% of OppFi shares are held by company insiders. Comparatively, 12.3% of Expensify shares are held by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock will outperform the market over the long term.

Analyst Ratings

This is a breakdown of current ratings for OppFi and Expensify, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
OppFi	0	1	3	1	3.00
Expensify	0	2	2	0	2.50

OppFi currently has a consensus price target of $13.63, suggesting a potential upside of 33.80%. Expensify has a consensus price target of $4.00, suggesting a potential upside of 104.08%. Given Expensify’s higher possible upside, analysts clearly believe Expensify is more favorable than OppFi.

Volatility and Risk

OppFi has a beta of 1.71, meaning that its share price is 71% more volatile than the S&P 500. Comparatively, Expensify has a beta of 1.72, meaning that its share price is 72% more volatile than the S&P 500.

Earnings & Valuation

This table compares OppFi and Expensify”s revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
OppFi	$525.96 million	1.69	$7.26 million	($1.31)	-7.77
Expensify	$139.24 million	1.13	-$10.06 million	($0.16)	-12.25

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

Profitability

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

	Net Margins	Return on Equity	Return on Assets
OppFi	-6.04%	53.83%	19.01%
Expensify	-10.72%	-12.02%	-8.52%

Summary

OppFi beats Expensify on 11 of the 15 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 Expensify

Expensify, Inc. provides a cloud-based expense management software platform to individuals and corporations, small and midsized businesses, and enterprises in the United States and internationally. The company’s platform enables users to manage corporate cards, pay bills, generate invoices, collect payments, and book travel. It also offers track and submit plans for individuals. The company was founded in 2008 and is based in Portland, Oregon.