OppFi (NYSE:OPFI – Get Free Report) and Payoneer Global (NASDAQ:PAYO – Get Free Report) are both small-cap business services companies, but which is the better stock? We will contrast the two companies based on the strength of their analyst recommendations, institutional ownership, valuation, profitability, risk, earnings and dividends.
Profitability
This table compares OppFi and Payoneer Global’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| OppFi | 0.68% | 55.59% | 20.07% |
| Payoneer Global | 6.95% | 10.70% | 1.02% |
Analyst Recommendations
This is a breakdown of recent ratings and recommmendations for OppFi and Payoneer Global, as reported by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| OppFi | 1 | 2 | 1 | 0 | 2.00 |
| Payoneer Global | 0 | 1 | 7 | 0 | 2.88 |
Earnings and Valuation
This table compares OppFi and Payoneer Global”s gross revenue, earnings per share and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| OppFi | $573.52 million | 1.38 | $7.26 million | ($0.75) | -12.25 |
| Payoneer Global | $1.05 billion | 1.46 | $121.16 million | $0.19 | 22.74 |
Payoneer Global has higher revenue and earnings than OppFi. OppFi is trading at a lower price-to-earnings ratio than Payoneer Global, indicating that it is currently the more affordable of the two stocks.
Volatility and Risk
OppFi has a beta of 1.71, indicating that its share price is 71% more volatile than the S&P 500. Comparatively, Payoneer Global has a beta of 1.04, indicating that its share price is 4% more volatile than the S&P 500.
Institutional & Insider Ownership
7.1% of OppFi shares are held by institutional investors. Comparatively, 82.2% of Payoneer Global shares are held by institutional investors. 72.0% of OppFi shares are held by insiders. Comparatively, 2.6% of Payoneer Global shares are held by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock is poised for long-term growth.
Summary
Payoneer Global beats OppFi on 10 of the 14 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 Payoneer Global
Payoneer Global Inc. operates as a financial technology company. It operates a payment infrastructure platform that provides customers with a one-stop, global, multi-currency account to serve their accounts receivable and accounts payable needs. The company delivers a suite of services that includes cross-border payments, physical and virtual MasterCard cards, working capital, risk management, and other services. It also offers various payment options with minimal integration required, full back-office functions, and customer support offered. The company's platform delivers bank-grade security, stability, and redundancy. It serves customers, such as small and medium-sized businesses in approximately 190 countries and territories worldwide. Payoneer Global Inc. was founded in 2005 and is headquartered in New York, New York.
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