OppFi (NYSE:OPFI – Get Free Report) and TeraWulf (NASDAQ:WULF – Get Free Report) are both small-cap business services companies, but which is the better stock? We will contrast the two businesses based on the strength of their institutional ownership, valuation, analyst recommendations, profitability, risk, dividends and earnings.
Volatility and Risk
OppFi has a beta of 1.2, indicating that its share price is 20% more volatile than the S&P 500. Comparatively, TeraWulf has a beta of 2.57, indicating that its share price is 157% more volatile than the S&P 500.
Profitability
This table compares OppFi and TeraWulf’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% |
TeraWulf | -56.70% | -30.00% | -16.17% |
Earnings and Valuation
Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
OppFi | $508.95 million | 0.78 | -$1.00 million | $0.06 | 59.84 |
TeraWulf | $69.23 million | 22.86 | -$73.42 million | N/A | N/A |
OppFi has higher revenue and earnings than TeraWulf.
Analyst Recommendations
This is a summary of current ratings and recommmendations for OppFi and TeraWulf, as reported by MarketBeat.
Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
OppFi | 0 | 0 | 2 | 0 | 3.00 |
TeraWulf | 0 | 0 | 7 | 1 | 3.13 |
OppFi presently has a consensus target price of $4.25, indicating a potential upside of 18.38%. TeraWulf has a consensus target price of $5.53, indicating a potential upside of 16.49%. Given OppFi’s higher possible upside, research analysts plainly believe OppFi is more favorable than TeraWulf.
Insider & Institutional Ownership
7.1% of OppFi shares are held by institutional investors. Comparatively, 62.5% of TeraWulf shares are held by institutional investors. 84.0% of OppFi shares are held by insiders. Comparatively, 24.9% of TeraWulf shares are held by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company is poised for long-term growth.
Summary
OppFi beats TeraWulf on 7 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 TeraWulf
TeraWulf Inc., together with its subsidiaries, operates as a digital asset technology company in the United States. The company develops, owns, and operates bitcoin mining facilities in New York and Pennsylvania. It is also involved in the provision of miner hosting services to third-party entities. The company was founded in 2021 and is headquartered in Easton, Maryland.
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