OppFi (NYSE:OPFI) and Freightos (NASDAQ:CRGO) Head-To-Head Comparison

OppFi (NYSE:OPFI) and Freightos (NASDAQ:CRGO) are both small-cap business services companies, but which is the better stock? We will compare the two companies based on the strength of their institutional ownership, risk, valuation, analyst recommendations, earnings, dividends and profitability.

Analyst Ratings

This is a summary of current recommendations and price targets for OppFi and Freightos, as reported by MarketBeat.com.

	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, suggesting a potential upside of 50.53%. Freightos has a consensus target price of $3.00, suggesting a potential upside of 42.18%. Given OppFi’s stronger consensus rating and higher probable upside, equities analysts plainly believe OppFi is more favorable than Freightos.

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%

Insider & Institutional Ownership

7.1% of OppFi shares are owned by institutional investors. Comparatively, 22.7% of Freightos shares are owned by institutional investors. 70.2% of OppFi shares are owned by company insiders. Comparatively, 19.6% of Freightos shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company is poised for long-term growth.

Earnings & Valuation

This table compares OppFi and Freightos”s revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
OppFi	$608.66 million	1.21	$26.33 million	$0.93	9.29
Freightos	$29.46 million	3.68	-$17.52 million	($0.35)	-6.03

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.

Volatility & Risk

OppFi has a beta of 1.86, indicating that its stock price is 86% more volatile than the S&P 500. Comparatively, Freightos has a beta of 0.28, indicating that its stock price is 72% less volatile than the S&P 500.

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.