Head-To-Head Analysis: OppFi (NYSE:OPFI) vs. ZIP (OTCMKTS:ZIZTF)

OppFi (NYSE:OPFI) and ZIP (OTCMKTS:ZIZTF) are both business services companies, but which is the superior business? We will contrast the two businesses based on the strength of their institutional ownership, earnings, valuation, dividends, profitability, risk and analyst recommendations.

Analyst Ratings

This is a breakdown of current ratings and price targets for OppFi and ZIP, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
OppFi	0	0	2	0	3.00
ZIP	0	1	0	0	2.00

OppFi currently has a consensus target price of $4.25, suggesting a potential upside of 45.55%. Given OppFi’s stronger consensus rating and higher possible upside, equities analysts clearly believe OppFi is more favorable than ZIP.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
OppFi	-0.20%	23.92%	7.41%
ZIP	N/A	N/A	N/A

Valuation & Earnings

This table compares OppFi and ZIP’s revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
OppFi	$508.95 million	0.63	-$1.00 million	($0.02)	-146.00
ZIP	N/A	N/A	N/A	N/A	N/A

ZIP has lower revenue, but higher earnings than OppFi.

Institutional & Insider Ownership

7.1% of OppFi shares are owned by institutional investors. 87.2% of OppFi shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company will outperform the market over the long term.

Summary

OppFi beats ZIP on 8 of the 9 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 ZIP

Zip Co Limited engages in the provision of digital retail finance and payments solutions to consumers, and small and medium sized merchants (SMEs) in Australia, New Zealand, Canada, and the United States. The company offers Buy Now Pay Later services, which offer line of credit and installment products to consumers through online and in-store. It also provides unsecured loans and lines of credit to SMEs. The company was formerly known as ZipMoney Limited and changed its name to Zip Co Limited in December 2017. Zip Co Limited was incorporated in 2009 and is headquartered in Sydney, Australia.