Contrasting OppFi (NYSE:OPFI) & Atlantic International (NASDAQ:CIRC)

OppFi (NYSE:OPFI) and Atlantic International (NASDAQ:CIRC) are both small-cap finance companies, but which is the superior investment? We will contrast the two businesses based on the strength of their institutional ownership, risk, analyst recommendations, profitability, earnings, dividends and valuation.

Insider and Institutional Ownership

7.1% of OppFi shares are owned by institutional investors. 70.2% of OppFi shares are owned by insiders. Comparatively, 13.6% of Atlantic International shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock will outperform the market over the long term.

Earnings and Valuation

This table compares OppFi and Atlantic International”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	1.04	$26.33 million	$1.89	3.84
Atlantic International	$799.87 million	0.05	-$59.43 million	($2.11)	-0.22

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

Analyst Ratings

This is a breakdown of recent ratings and price targets for OppFi and Atlantic International, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
OppFi	1	3	2	0	2.17
Atlantic International	1	1	0	1	2.33

OppFi currently has a consensus target price of $10.50, indicating a potential upside of 44.63%. Given OppFi’s higher possible upside, analysts clearly believe OppFi is more favorable than Atlantic International.

Profitability

This table compares OppFi and Atlantic International’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
OppFi	16.64%	30.89%	13.99%
Atlantic International	-19.39%	N/A	-28.58%

Volatility and Risk

OppFi has a beta of 1.76, indicating that its stock price is 76% more volatile than the S&P 500. Comparatively, Atlantic International has a beta of 0.81, indicating that its stock price is 19% less volatile than the S&P 500.

Summary

OppFi beats Atlantic International on 12 of the 15 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 Atlantic International

Atlantic International Corp., through its subsidiaries, operates as a staffing company servicing the commercial, professional, finance, direct placement, and managed service provider verticals. The company specializes in permanent, temporary, and temporary-to-permanent placement services in various areas, including accounting and finance, administrative and clerical, hospitality, information technology, legal, light industrial, and medical fields. It also provides productivity consulting and workforce management solutions. Atlantic International Corp. was founded in 2018 and is based in Englewood Cliffs, New Jersey.