Head-To-Head Contrast: OppFi (NYSE:OPFI) versus KRUK Spólka Akcyjna (OTCMKTS:KRKKF)

OppFi (NYSE:OPFI) and KRUK Spólka Akcyjna (OTCMKTS:KRKKF) are both finance companies, but which is the superior business? We will compare the two businesses based on the strength of their valuation, profitability, earnings, dividends, institutional ownership, analyst recommendations and risk.

Institutional & Insider Ownership

7.1% of OppFi shares are held by institutional investors. 70.2% of OppFi shares are held by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company is poised for long-term growth.

Earnings and Valuation

This table compares OppFi and KRUK Spólka Akcyjna”s top-line revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
OppFi	$597.05 million	1.03	$26.33 million	$1.89	3.81
KRUK Spólka Akcyjna	N/A	N/A	N/A	N/A	N/A

OppFi has higher revenue and earnings than KRUK Spólka Akcyjna.

Analyst Ratings

This is a breakdown of current ratings and target prices for OppFi and KRUK Spólka Akcyjna, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
OppFi	0	3	2	0	2.40
KRUK Spólka Akcyjna	0	0	0	0	0.00

OppFi currently has a consensus target price of $10.25, indicating a potential upside of 42.36%. Given OppFi’s stronger consensus rating and higher probable upside, equities research analysts clearly believe OppFi is more favorable than KRUK Spólka Akcyjna.

Profitability

This table compares OppFi and KRUK Spólka Akcyjna’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%
KRUK Spólka Akcyjna	N/A	N/A	N/A

Summary

OppFi beats KRUK Spólka Akcyjna on 9 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 KRUK Spólka Akcyjna

KRUK Spólka Akcyjna, together with its subsidiaries, engages in the management of debt in Poland, Romania, Italy, the Czech Republic, Slovakia, Germany, Spain, and internationally. The company operates through Consumer Debts, Mortgage Debts, and Corporate Debts segments. It offers credit management services to banks, telecommunication operators, insurers, and others. In addition, the company purchases and manages debt portfolios including consumer, mortgage, and corporate debts. Further, it offers consumer unsecured, mortgage, and SME/corporate loans, as well as manages the receivables of banks, loan brokers, insurers, leasing companies, landline and mobile telecommunications operators, cable TV operators, digital TV operators, and FMCG companies. Additionally, the company provides Novum loan services; detective services; financial intermediation agency services; and auxiliary services to small and medium-sized enterprises. Furthermore, it collects, processes, and provides credit information on natural persons; and invests in receivables and other funds. The company acquires agricultural real estate properties; and engages in IT and software development businesses, as well as involved in law firm related activities. KRUK Spólka Akcyjna was founded in 1998 and is headquartered in Wroclaw, Poland.