Head-To-Head Review: Payoneer Global (NASDAQ:PAYO) & OppFi (NYSE:OPFI)

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

Analyst Recommendations

This is a summary of recent ratings for OppFi and Payoneer Global, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
OppFi	1	2	1	0	2.00
Payoneer Global	0	1	7	0	2.88

OppFi presently has a consensus target price of $13.67, suggesting a potential upside of 47.91%. Payoneer Global has a consensus target price of $9.00, suggesting a potential upside of 73.58%. Given Payoneer Global’s stronger consensus rating and higher possible upside, analysts plainly believe Payoneer Global is more favorable than OppFi.

Profitability

This table compares OppFi and Payoneer Global’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%
Payoneer Global	6.96%	10.71%	1.01%

Valuation and Earnings

This table compares OppFi and Payoneer Global”s revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
OppFi	$573.52 million	1.39	$7.26 million	($0.75)	-12.32
Payoneer Global	$977.72 million	1.89	$121.16 million	$0.19	27.29

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

Volatility and Risk

OppFi has a beta of 1.71, meaning that its share price is 71% more volatile than the S&P 500. Comparatively, Payoneer Global has a beta of 1.04, meaning that its share price is 4% more volatile than the S&P 500.

Insider & Institutional Ownership

7.1% of OppFi shares are held by institutional investors. Comparatively, 82.2% of Payoneer Global shares are held by institutional investors. 72.0% of OppFi shares are held by company insiders. Comparatively, 2.6% of Payoneer Global shares are held by company 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

Payoneer Global beats OppFi on 10 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 Payoneer Global

Payoneer Global Inc. operates as a financial technology company. It operates a payment infrastructure platform that provides customers with a one-stop, global, multi-currency account to serve their accounts receivable and accounts payable needs. The company delivers a suite of services that includes cross-border payments, physical and virtual MasterCard cards, working capital, risk management, and other services. It also offers various payment options with minimal integration required, full back-office functions, and customer support offered. The company's platform delivers bank-grade security, stability, and redundancy. It serves customers, such as small and medium-sized businesses in approximately 190 countries and territories worldwide. Payoneer Global Inc. was founded in 2005 and is headquartered in New York, New York.