OppFi (NYSE:OPFI – Get Free Report) and Freightos (NASDAQ:CRGO – Get Free Report) are both small-cap business services companies, but which is the superior investment? We will contrast the two companies based on the strength of their earnings, profitability, analyst recommendations, dividends, institutional ownership, valuation and risk.
Profitability
This table compares OppFi and Freightos’ net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| OppFi | 10.86% | 39.90% | 15.95% |
| Freightos | -59.46% | -37.28% | -25.50% |
Volatility and Risk
OppFi has a beta of 1.86, indicating that its share price is 86% more volatile than the S&P 500. Comparatively, Freightos has a beta of 0.28, indicating that its share price is 72% less volatile than the S&P 500.
Analyst Ratings
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| OppFi | 0 | 3 | 1 | 0 | 2.25 |
| Freightos | 1 | 0 | 1 | 0 | 2.00 |
OppFi presently has a consensus target price of $13.00, indicating a potential upside of 56.21%. Freightos has a consensus target price of $3.00, indicating a potential upside of 47.06%. Given OppFi’s stronger consensus rating and higher probable upside, equities research analysts clearly believe OppFi is more favorable than Freightos.
Institutional and Insider Ownership
7.1% of OppFi shares are held by institutional investors. Comparatively, 22.7% of Freightos shares are held by institutional investors. 70.2% of OppFi shares are held by insiders. Comparatively, 19.6% of Freightos 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.
Valuation & Earnings
This table compares OppFi and Freightos”s revenue, earnings per share (EPS) and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| OppFi | $597.05 million | 1.19 | $26.33 million | $0.93 | 8.95 |
| Freightos | $29.46 million | 3.56 | -$17.52 million | ($0.35) | -5.83 |
OppFi has higher revenue and earnings than Freightos. Freightos is trading at a lower price-to-earnings ratio than OppFi, indicating that it is currently the more affordable of the two stocks.
Summary
OppFi beats Freightos on 11 of the 13 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 Freightos
Freightos Limited, together with its subsidiaries, operates a vendor-neutral booking and payment platform for international freight. It operates WebCargo, a platform for connecting carriers and forwarders; and Freightos.com, a platform for connecting service providers to importers/exporters. The company also offers software-as-a-service solutions, such as WebCargo Air for airline rates and ebookings; WebCargo AcceleRate, a multi-modal rate repository; data services; and WebCargo Airline Control Panel that enables airlines to control bookings and optimize pricing with real-time booking analytics. In addition, it provides digital customs brokerage services. The company is based in Jerusalem, Israel.
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