OppFi (NYSE:OPFI) versus Grenke (OTCMKTS:GKSGF) Head-To-Head Analysis

Grenke (OTCMKTS:GKSGF) and OppFi (NYSE:OPFI) are both finance companies, but which is the superior investment? We will contrast the two companies based on the strength of their profitability, analyst recommendations, dividends, risk, valuation, earnings and institutional ownership.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Grenke	N/A	N/A	N/A
OppFi	10.86%	39.90%	15.95%

Earnings and Valuation

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

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Grenke	N/A	N/A	N/A	$4.09	4.22
OppFi	$597.05 million	1.34	$26.33 million	$0.93	10.11

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

Analyst Recommendations

This is a summary of current recommendations and price targets for Grenke and OppFi, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Grenke	0	0	1	0	3.00
OppFi	0	3	2	0	2.40

OppFi has a consensus price target of $13.00, indicating a potential upside of 38.25%. Given OppFi’s higher probable upside, analysts clearly believe OppFi is more favorable than Grenke.

Insider and Institutional Ownership

28.5% of Grenke shares are owned by institutional investors. Comparatively, 7.1% of OppFi shares are owned by institutional investors. 70.2% of OppFi shares are owned by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company is poised for long-term growth.

Summary

OppFi beats Grenke on 8 of the 11 factors compared between the two stocks.

About Grenke

Grenke AG, together with its subsidiaries, provides financial services to small and medium-sized (SME) enterprises in Germany, France, Italy, and internationally. It operates through three segments: Leasing, Banking, and Factoring. The company is involved in the leasing activities, such as financing to commercial lessees, rental, service, protection, and maintenance offerings, as well as sale of used equipment; and small-ticket leasing of IT products, such as PCs, notebooks, servers, monitors, software, and other peripheral equipment; leasing office communication products, that includes telecommunication and copier equipment, as well as medical technology products, small machinery and systems, and security devices; and leasing green economy objects, such as wallboxes, photovoltaic systems, and eBikes. It also provides banking products and services, such as fixed deposits to private and business customers through its website; financing services to business start-ups, as well as development loans to SMEs and self-employed professionals; and small-ticket factoring services. The company was formerly known as GrenkeLeasing AG and changed its name to Grenke AG in May 2016. Grenke AG was founded in 1978 and is headquartered in Baden-Baden, Germany.

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.