OppFi (NYSE:OPFI – Get Free Report) and XBP Global (NASDAQ:XBP – Get Free Report) are both small-cap business services companies, but which is the better stock? We will compare the two businesses based on the strength of their earnings, analyst recommendations, dividends, valuation, risk, profitability and institutional ownership.
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 hedge funds, endowments and large money managers believe a stock 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% |
Earnings & 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) | -72.59 |
| XBP Global | $142.77 million | 0.33 | -$12.37 million | ($2.20) | -1.81 |
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.
Analyst Ratings
This is a breakdown of recent ratings and recommmendations for OppFi and XBP Global, as provided by MarketBeat.com.
| 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, indicating a potential upside of 75.33%. Given OppFi’s stronger consensus rating and higher possible upside, equities analysts plainly believe OppFi is more favorable than XBP Global.
Risk and Volatility
OppFi has a beta of 1.73, suggesting that its share price is 73% more volatile than the S&P 500. Comparatively, XBP Global has a beta of -0.39, suggesting that its share price is 139% less volatile than the S&P 500.
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.
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