OppFi (NYSE:OPFI – Get Free Report) and Iris Energy (NASDAQ:IREN – Get Free Report) are both small-cap business services companies, but which is the better investment? We will compare the two businesses based on the strength of their profitability, risk, institutional ownership, earnings, analyst recommendations, valuation and dividends.
Risk & Volatility
OppFi has a beta of 1.45, meaning that its stock price is 45% more volatile than the S&P 500. Comparatively, Iris Energy has a beta of 3.54, meaning that its stock price is 254% more volatile than the S&P 500.
Valuation and Earnings
This table compares OppFi and Iris Energy”s gross revenue, earnings per share (EPS) and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| OppFi | $523.16 million | 1.33 | -$1.00 million | $0.16 | 50.50 |
| Iris Energy | $208.75 million | 9.41 | -$28.95 million | N/A | N/A |
Institutional and Insider Ownership
7.1% of OppFi shares are held by institutional investors. Comparatively, 41.1% of Iris Energy shares are held by institutional investors. 84.0% of OppFi shares are held by company insiders. Comparatively, 21.5% of Iris Energy shares are held by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock is poised for long-term growth.
Analyst Recommendations
This is a summary of current ratings for OppFi and Iris Energy, as reported by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| OppFi | 0 | 0 | 2 | 0 | 3.00 |
| Iris Energy | 0 | 2 | 9 | 1 | 2.92 |
OppFi presently has a consensus price target of $7.50, indicating a potential downside of 7.18%. Iris Energy has a consensus price target of $19.50, indicating a potential upside of 86.42%. Given Iris Energy’s higher possible upside, analysts clearly believe Iris Energy is more favorable than OppFi.
Profitability
This table compares OppFi and Iris Energy’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| OppFi | 1.40% | 35.04% | 12.09% |
| Iris Energy | -36.10% | -8.01% | -7.37% |
Summary
OppFi beats Iris Energy 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 Iris Energy
Iris Energy Limited owns and operates bitcoin mining data centers. The company was incorporated in 2018 and is headquartered in Sydney, Australia.
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