Analyzing OppFi (NYSE:OPFI) and Argo Blockchain (NASDAQ:ARBK)

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

Risk & Volatility

Argo Blockchain has a beta of 1.95, meaning that its stock price is 95% more volatile than the S&P 500. Comparatively, OppFi has a beta of 1.56, meaning that its stock price is 56% more volatile than the S&P 500.

Analyst Ratings

This is a breakdown of recent ratings and recommmendations for Argo Blockchain and OppFi, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Argo Blockchain	1	2	0	0	1.67
OppFi	0	2	1	0	2.33

Argo Blockchain presently has a consensus price target of $1.45, suggesting a potential upside of 239.58%. OppFi has a consensus price target of $7.50, suggesting a potential downside of 28.62%. Given Argo Blockchain’s higher probable upside, research analysts plainly believe Argo Blockchain is more favorable than OppFi.

Insider and Institutional Ownership

2.4% of Argo Blockchain shares are held by institutional investors. Comparatively, 7.1% of OppFi shares are held by institutional investors. 84.0% of OppFi shares are held by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company is poised for long-term growth.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Argo Blockchain	-92.08%	N/A	-59.43%
OppFi	1.40%	35.04%	12.09%

Earnings & Valuation

This table compares Argo Blockchain and OppFi”s top-line revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Argo Blockchain	$60.03 million	0.51	-$35.03 million	($0.72)	-0.59
OppFi	$523.16 million	1.73	-$1.00 million	$0.16	65.67

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

Summary

OppFi beats Argo Blockchain on 12 of the 14 factors compared between the two stocks.

About Argo Blockchain

Argo Blockchain plc, together with its subsidiaries, engages in the bitcoin and other cryptocurrencies mining business worldwide. It engages in mining purpose-built computers for complex cryptographic algorithms. The company was formerly known as GoSun Blockchain Limited and changed its name to Argo Blockchain plc in December 2017. Argo Blockchain plc was incorporated in 2017 and is based in London, the United Kingdom.

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.