Mogo (NASDAQ:MOGO – Get Free Report) and OppFi (NYSE:OPFI – Get Free Report) are both small-cap business services companies, but which is the better business? We will contrast the two businesses based on the strength of their earnings, profitability, analyst recommendations, valuation, risk, dividends and institutional ownership.
Earnings & Valuation
This table compares Mogo and OppFi”s gross revenue, earnings per share and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Mogo | $68.82 million | 0.40 | -$13.25 million | ($0.45) | -2.50 |
| OppFi | $519.74 million | 0.91 | -$1.00 million | $0.06 | 70.92 |
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
| Net Margins | Return on Equity | Return on Assets | |
| Mogo | -24.68% | -17.25% | -7.49% |
| OppFi | 1.00% | 28.73% | 9.62% |
Risk & Volatility
Mogo has a beta of 2.8, meaning that its share price is 180% more volatile than the S&P 500. Comparatively, OppFi has a beta of 1.23, meaning that its share price is 23% more volatile than the S&P 500.
Institutional & Insider Ownership
14.8% of Mogo shares are owned by institutional investors. Comparatively, 7.1% of OppFi shares are owned by institutional investors. 12.3% of Mogo shares are owned by company insiders. Comparatively, 84.0% of OppFi shares are owned by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock is poised for long-term growth.
Analyst Recommendations
This is a breakdown of recent ratings and recommmendations for Mogo and OppFi, as reported by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Mogo | 0 | 0 | 1 | 0 | 3.00 |
| OppFi | 0 | 0 | 1 | 0 | 3.00 |
Mogo currently has a consensus target price of $6.00, indicating a potential upside of 433.33%. OppFi has a consensus target price of $5.00, indicating a potential upside of 17.51%. Given Mogo’s higher probable upside, analysts clearly believe Mogo is more favorable than OppFi.
Summary
OppFi beats Mogo on 9 of the 12 factors compared between the two stocks.
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.
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.
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