XBP Global (NASDAQ:XBP) and OppFi (NYSE:OPFI) Head to Head Survey

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

Valuation & Earnings

This table compares OppFi and XBP Global”s revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
OppFi	$597.05 million	1.14	$26.33 million	($0.11)	-72.46
XBP Global	$148.33 million	0.30	-$12.37 million	($2.20)	-1.72

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

Volatility & Risk

OppFi has a beta of 1.73, meaning that its stock price is 73% more volatile than the S&P 500. Comparatively, XBP Global has a beta of -0.39, meaning that its stock price is 139% less volatile than the S&P 500.

Institutional and Insider Ownership

7.1% of OppFi shares are held by institutional investors. Comparatively, 15.7% of XBP Global shares are held by institutional investors. 72.0% of OppFi shares are held by company insiders. Comparatively, 10.5% of XBP Global shares are held by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company will outperform the market over the long term.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
OppFi	4.41%	45.42%	16.95%
XBP Global	N/A	7,889.88%	384.84%

Analyst Recommendations

This is a breakdown of recent ratings and target prices for OppFi and XBP Global, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
OppFi	1	2	1	0	2.00
XBP Global	1	0	0	0	1.00

OppFi currently has a consensus price target of $14.00, suggesting a potential upside of 75.64%. Given OppFi’s stronger consensus rating and higher possible upside, research analysts plainly believe OppFi is more favorable than XBP Global.

Summary

OppFi beats XBP Global 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 XBP Global

XBP Europe Holdings, Inc. provides bills, payments, and related solutions and services in France, Germany, the United Kingdom, Sweden, and internationally. The company operates through two segments, Bills & Payments and Technology. The Bills & Payments segment focuses on optimizing how bills and payments are processed by businesses of all sizes and industries. This segment also offers automation of accounts payable and accounts receivables processes and seeks to integrate buyers and suppliers, as well as engages in digital transformation business. The Technology segment engages in the sale of recurring software licenses and related maintenance, and hardware solutions, as well as provision of related maintenance and professional services. In addition, the company offers XBP platform that provides a secured network allowing billers, consumers, and businesses to communicate and transact; XBP Omnidirect, a cloud-based platform that provides enterprise level client communication management; and Reaktr.ai for cybersecurity, data modernization and cloud management, and generative AI. Further, it provides request to pay solutions; enterprise information management solutions; robotic process automation solutions; digital mailroom and records digitization solutions; business process management and intelligent workflow automation solutions; integrated communications solution; banking and financial industry solutions and services; cross-border payments; digitization of checks; confirmation of payee; and mortgage and loan management solutions. The company is based in Egham, the United Kingdom. XBP Europe Holdings, Inc. operates as a subsidiary of Exela Technologies, Inc.