OppFi (NYSE:OPFI – Get Free Report) and Mogo (NASDAQ:MOGO – Get Free Report) are both small-cap business services companies, but which is the superior stock? We will contrast the two businesses based on the strength of their earnings, dividends, institutional ownership, risk, profitability, analyst recommendations and valuation.
Analyst Recommendations
This is a summary of current recommendations and price targets for OppFi and Mogo, as provided by MarketBeat.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| OppFi | 0 | 0 | 1 | 0 | 3.00 |
| Mogo | 0 | 0 | 1 | 0 | 3.00 |
OppFi currently has a consensus price target of $5.00, indicating a potential upside of 17.51%. Mogo has a consensus price target of $6.00, indicating a potential upside of 433.33%. Given Mogo’s higher possible upside, analysts clearly believe Mogo is more favorable than OppFi.
Earnings & Valuation
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| OppFi | $519.74 million | 0.91 | -$1.00 million | $0.06 | 70.92 |
| Mogo | $68.82 million | 0.40 | -$13.25 million | ($0.45) | -2.50 |
OppFi has higher revenue and earnings than Mogo. Mogo is trading at a lower price-to-earnings ratio than OppFi, indicating that it is currently the more affordable of the two stocks.
Profitability
This table compares OppFi and Mogo’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| OppFi | 1.00% | 28.73% | 9.62% |
| Mogo | -24.68% | -17.25% | -7.49% |
Risk & Volatility
OppFi has a beta of 1.23, suggesting that its share price is 23% more volatile than the S&P 500. Comparatively, Mogo has a beta of 2.8, suggesting that its share price is 180% more volatile than the S&P 500.
Insider & Institutional Ownership
7.1% of OppFi shares are owned by institutional investors. Comparatively, 14.8% of Mogo shares are owned by institutional investors. 84.0% of OppFi shares are owned by insiders. Comparatively, 12.3% of Mogo shares are owned by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock is poised for long-term growth.
Summary
OppFi beats Mogo on 9 of the 12 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 Mogo
Mogo Inc. operates as a digital finance company in Canada, Europe, and internationally. The company's digital solutions help build wealth and achieve financial freedom. It provides MogoTrade, a stock trading app; Moka; and MogoMoney that provides online personal loans. The company also offers digital loans and mortgages; and operates a digital payments platform that powers next-generation card programs for both global corporations and fintech companies in Europe and Canada. Mogo Inc. is headquartered in Vancouver, Canada.
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