OppFi (NYSE:OPFI – Get Free Report) and International Money Express (NASDAQ:IMXI – Get Free Report) are both small-cap business services companies, but which is the better investment? We will contrast the two companies based on the strength of their institutional ownership, valuation, earnings, analyst recommendations, profitability, risk and dividends.
Insider & Institutional Ownership
7.1% of OppFi shares are held by institutional investors. Comparatively, 86.7% of International Money Express shares are held by institutional investors. 72.0% of OppFi shares are held by insiders. Comparatively, 5.1% of International Money Express shares are held by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company will outperform the market over the long term.
Risk and Volatility
OppFi has a beta of 1.73, suggesting that its stock price is 73% more volatile than the S&P 500. Comparatively, International Money Express has a beta of 0.86, suggesting that its stock price is 14% less volatile than the S&P 500.
Valuation and Earnings
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| OppFi | $525.96 million | 1.51 | $7.26 million | ($0.75) | -12.24 |
| International Money Express | $658.65 million | 0.71 | $58.82 million | $1.28 | 12.28 |
International Money Express has higher revenue and earnings than OppFi. OppFi is trading at a lower price-to-earnings ratio than International Money Express, indicating that it is currently the more affordable of the two stocks.
Profitability
This table compares OppFi and International Money Express’ net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| OppFi | 0.68% | 55.59% | 20.07% |
| International Money Express | 6.26% | 35.45% | 10.29% |
Analyst Recommendations
This is a summary of current ratings and recommmendations for OppFi and International Money Express, as provided by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| OppFi | 1 | 2 | 1 | 0 | 2.00 |
| International Money Express | 1 | 4 | 1 | 0 | 2.00 |
OppFi presently has a consensus target price of $13.67, indicating a potential upside of 48.87%. International Money Express has a consensus target price of $14.33, indicating a potential downside of 8.82%. Given OppFi’s higher probable upside, equities analysts clearly believe OppFi is more favorable than International Money Express.
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 International Money Express
International Money Express, Inc., together with its subsidiaries, operates as an omnichannel money remittance services company in the United States, Latin America, Mexico, Central and South America, the Caribbean, Africa, and Asia. The company offers remittance services, which include a suite of ancillary financial processing solutions and payment services; and online payment options, pre-paid debit cards, and direct deposit payroll cards. It provides services through sending and paying agents and company-operated stores, as well as through online and Internet-enabled mobile devices. International Money Express, Inc. is headquartered in Miami, Florida.
Receive News & Ratings for OppFi Daily - Enter your email address below to receive a concise daily summary of the latest news and analysts' ratings for OppFi and related companies with MarketBeat.com's FREE daily email newsletter.
