Analyzing OppFi (NYSE:OPFI) and Joint Stock Company Kaspi.kz (NASDAQ:KSPI)

Joint Stock Company Kaspi.kz (NASDAQ:KSPI) and OppFi (NYSE:OPFI) are both business services companies, but which is the superior investment? We will contrast the two businesses based on the strength of their risk, analyst recommendations, earnings, dividends, valuation, profitability and institutional ownership.

Earnings & Valuation

This table compares Joint Stock Company Kaspi.kz and OppFi”s top-line revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Joint Stock Company Kaspi.kz	$7.70 billion	1.84	$2.04 billion	$10.80	6.56
OppFi	$597.05 million	1.08	$26.33 million	($0.11)	-68.59

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

Institutional & Insider Ownership

32.2% of Joint Stock Company Kaspi.kz shares are held by institutional investors. Comparatively, 7.1% of OppFi shares are held by institutional investors. 72.0% of OppFi shares are held by 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.

Risk and Volatility

Joint Stock Company Kaspi.kz has a beta of 0.93, meaning that its share price is 7% less volatile than the S&P 500. Comparatively, OppFi has a beta of 1.73, meaning that its share price is 73% more volatile than the S&P 500.

Profitability

This table compares Joint Stock Company Kaspi.kz and OppFi’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Joint Stock Company Kaspi.kz	26.59%	48.73%	10.45%
OppFi	4.41%	45.42%	16.95%

Analyst Recommendations

This is a breakdown of recent recommendations and price targets for Joint Stock Company Kaspi.kz and OppFi, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Joint Stock Company Kaspi.kz	0	4	1	0	2.20
OppFi	1	2	1	0	2.00

Joint Stock Company Kaspi.kz currently has a consensus price target of $96.67, suggesting a potential upside of 36.40%. OppFi has a consensus price target of $14.00, suggesting a potential upside of 85.55%. Given OppFi’s higher probable upside, analysts clearly believe OppFi is more favorable than Joint Stock Company Kaspi.kz.

Summary

Joint Stock Company Kaspi.kz beats OppFi on 9 of the 13 factors compared between the two stocks.

About Joint Stock Company Kaspi.kz

Joint Stock Company Kaspi.kz, together with its subsidiaries, provides payments, marketplace, and fintech solutions for consumers and merchants in the Republic of Kazakhstan. It operates through three segments: Payments Platform, Marketplace Platform, and Fintech Platform. The Payments Platform segment facilities transactions between customers and merchants. This segment offers shopping transactions, regular household bills, and peer to peer payments for consumers; accepts payment online and in store, issue and settle invoices, pay suppliers and monitor merchant turnover. It also provides proprietary data facilities informed decision making across multiple areas of business. Its Marketplace Platform segment connects online, and offline merchants and consumers enabling merchants to enhance its sales through an omni channel strategy and enable consumers to buy products and services from various merchants. This segment also operates marketplace through m-commerce, a mobile solution for shopping in person which consumers can use e-commerce to shop anywhere, anytime with free delivery; Kaspi Travel allows consumers to book domestic and international flights and package holidays, domestic rail tickets. It also enhances merchants sales by connecting payments and fintech products, Kapsi advertising, and other delivery services. The Fintech Platform segment provides consumers with BNPL, finance, and savings products and merchants with merchant finance services through super apps and Kapsi.kz Super app. It also involved in the banking; distressed asset management; real estate business; payment processing; online travel; and storage and processing of information services. The company was incorporated in 2008 and is headquartered in Almaty, the Republic of Kazakhstan.

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.