OppFi (NYSE:OPFI) & Medical Cannabis Payment Solutions (OTCMKTS:REFG) Head-To-Head Survey

OppFi (NYSE:OPFI) and Medical Cannabis Payment Solutions (OTCMKTS:REFG) are both business services companies, but which is the superior business? We will compare the two companies based on the strength of their profitability, earnings, analyst recommendations, risk, valuation, dividends and institutional ownership.

Analyst Recommendations

This is a breakdown of recent recommendations for OppFi and Medical Cannabis Payment Solutions, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
OppFi	1	2	1	0	2.00
Medical Cannabis Payment Solutions	0	0	0	0	0.00

OppFi currently has a consensus target price of $14.00, indicating a potential upside of 83.85%. Given OppFi’s stronger consensus rating and higher probable upside, equities research analysts clearly believe OppFi is more favorable than Medical Cannabis Payment Solutions.

Earnings and Valuation

This table compares OppFi and Medical Cannabis Payment Solutions”s gross revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
OppFi	$597.05 million	1.09	$26.33 million	($0.11)	-69.23
Medical Cannabis Payment Solutions	N/A	N/A	N/A	N/A	N/A

OppFi has higher revenue and earnings than Medical Cannabis Payment Solutions.

Profitability

This table compares OppFi and Medical Cannabis Payment Solutions’ net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
OppFi	4.41%	45.42%	16.95%
Medical Cannabis Payment Solutions	N/A	N/A	N/A

Risk & Volatility

OppFi has a beta of 1.73, meaning that its share price is 73% more volatile than the S&P 500. Comparatively, Medical Cannabis Payment Solutions has a beta of -0.86, meaning that its share price is 186% less volatile than the S&P 500.

Insider & Institutional Ownership

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

Summary

OppFi beats Medical Cannabis Payment Solutions on 10 of the 10 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 Medical Cannabis Payment Solutions

Medical Cannabis Payment Solutions, Inc. develops and markets a payment system for medical cannabis transactions. Its solution assists in the state tracking of sales, collection of tax, and supervision of sales to consumers. The company was incorporated in 2013 and is based in Cheyenne, Wyoming. On August 12, 2024, Medical Cannabis Payment Solutions, Inc. filed a voluntary petition for liquidation under Chapter 7 in the U.S. Bankruptcy Court for the Western District of Pennsylvania.