Head to Head Contrast: OppFi (NYSE:OPFI) and Corpay (NYSE:CPAY)

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

Profitability

This table compares OppFi and Corpay’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
OppFi	0.68%	55.59%	20.07%
Corpay	24.37%	37.83%	7.26%

Analyst Recommendations

This is a breakdown of current ratings and target prices for OppFi and Corpay, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
OppFi	1	2	2	0	2.20
Corpay	0	5	7	0	2.58

OppFi presently has a consensus target price of $13.63, indicating a potential upside of 37.00%. Corpay has a consensus target price of $366.25, indicating a potential upside of 14.05%. Given OppFi’s higher possible upside, equities research analysts plainly believe OppFi is more favorable than Corpay.

Valuation & Earnings

This table compares OppFi and Corpay”s top-line revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
OppFi	$525.96 million	1.63	$7.26 million	($0.75)	-13.26
Corpay	$3.97 billion	5.65	$1.00 billion	$14.73	21.80

Corpay has higher revenue and earnings than OppFi. OppFi is trading at a lower price-to-earnings ratio than Corpay, indicating that it is currently the more affordable of the two stocks.

Institutional and Insider Ownership

7.1% of OppFi shares are held by institutional investors. Comparatively, 98.8% of Corpay shares are held by institutional investors. 72.0% of OppFi shares are held by company insiders. Comparatively, 5.0% of Corpay shares are held by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company will outperform the market over the long term.

Risk & Volatility

OppFi has a beta of 1.69, indicating that its stock price is 69% more volatile than the S&P 500. Comparatively, Corpay has a beta of 0.84, indicating that its stock price is 16% less volatile than the S&P 500.

Summary

Corpay beats OppFi on 9 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 Corpay

Corpay, Inc. operates as a payments company that helps businesses and consumers manage vehicle-related expenses, lodging expenses, and corporate payments in the United States, Brazil, the United Kingdom, and internationally. The company offers vehicle payment solutions, which include fuel, tolls, parking, fleet maintenance, and long-haul transportation services, as well as prepaid food and transportation vouchers and cards. It also provides corporate payment solutions consisting of accounts payable automation; virtual cards, cross-border solutions; and purchasing and travel and entertainment card products, as well as lodging payments solutions for employees who travel overnight for work purposes; traveling crews and stranded passengers from airlines and cruise lines; and insurance policyholders displaced from their homes due to damage or catastrophe. In addition, the company offers gifts and payroll cards. It serves business, merchant, consumer, and payment network customers. The company was formerly known as FLEETCOR Technologies, Inc. and changed its name to Corpay, Inc. in March 2024. Corpay, Inc. was founded in 1986 and is headquartered in Atlanta, Georgia.