OppFi (NYSE:OPFI – Get Free Report) and Bakkt (NYSE:BKKT – Get Free Report) are both small-cap business services companies, but which is the superior business? We will contrast the two companies based on the strength of their earnings, analyst recommendations, dividends, risk, institutional ownership, profitability and valuation.
Analyst Ratings
This is a summary of current recommendations for OppFi and Bakkt, as provided by MarketBeat.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| OppFi | 0 | 0 | 2 | 0 | 3.00 |
| Bakkt | 1 | 0 | 1 | 0 | 2.00 |
OppFi presently has a consensus price target of $4.25, indicating a potential upside of 25.37%. Bakkt has a consensus price target of $13.13, indicating a potential downside of 30.63%. Given OppFi’s stronger consensus rating and higher possible upside, research analysts plainly believe OppFi is more favorable than Bakkt.
Volatility and Risk
Profitability
This table compares OppFi and Bakkt’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| OppFi | 0.83% | 25.16% | 8.14% |
| Bakkt | -4.26% | -37.42% | -6.25% |
Valuation & Earnings
This table compares OppFi and Bakkt’s top-line revenue, earnings per share (EPS) and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| OppFi | $508.95 million | 0.74 | -$1.00 million | $0.06 | 56.51 |
| Bakkt | $780.10 million | 0.33 | -$74.85 million | ($18.61) | -1.02 |
OppFi has higher earnings, but lower revenue than Bakkt. Bakkt is trading at a lower price-to-earnings ratio than OppFi, indicating that it is currently the more affordable of the two stocks.
Institutional and Insider Ownership
7.1% of OppFi shares are owned by institutional investors. Comparatively, 11.1% of Bakkt shares are owned by institutional investors. 84.0% of OppFi shares are owned by company insiders. Comparatively, 1.8% of Bakkt shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock is poised for long-term growth.
Summary
OppFi beats Bakkt on 11 of the 14 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 Bakkt
Bakkt Holdings, Inc. offers software as a service and application programming interface solutions for crypto and loyalty, powering engagement, and performance. The company operates Bakkt Marketplace, a platform that enables consumers to buy, sell, and store crypto in an embedded web experience; Bakkt Crypto, a platform that supports clients with a range of crypto solutions; and Bakkt Trust, institutional-grade qualified custody solution for market participants. Its platform also offers a range of loyalty solutions, including redemption solutions for various rewards categories comprising travel, gift cards, and merchandise; travel solutions that offer a retail e-commerce booking platform, as well as live-agent booking and servicing; and unified shopping experience. The company was founded in 2018 and is headquartered in Alpharetta, Georgia.
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