Comparing OppFi (NYSE:OPFI) & Fidelity National Information Services (NYSE:FIS)

OppFi (NYSE:OPFI) and Fidelity National Information Services (NYSE:FIS) are both business services companies, but which is the better investment? We will contrast the two businesses based on the strength of their earnings, profitability, dividends, risk, valuation, analyst recommendations and institutional ownership.

Insider and Institutional Ownership

7.1% of OppFi shares are held by institutional investors. Comparatively, 96.2% of Fidelity National Information Services shares are held by institutional investors. 72.0% of OppFi shares are held by company insiders. Comparatively, 0.2% of Fidelity National Information Services shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock will outperform the market over the long term.

Analyst Ratings

This is a summary of recent ratings and price targets for OppFi and Fidelity National Information Services, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
OppFi	1	2	1	0	2.00
Fidelity National Information Services	2	7	13	0	2.50

OppFi presently has a consensus target price of $13.67, suggesting a potential upside of 48.07%. Fidelity National Information Services has a consensus target price of $69.85, suggesting a potential upside of 38.23%. Given OppFi’s higher possible upside, equities analysts clearly believe OppFi is more favorable than Fidelity National Information Services.

Earnings and Valuation

This table compares OppFi and Fidelity National Information Services”s top-line revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
OppFi	$525.96 million	1.52	$7.26 million	($0.75)	-12.31
Fidelity National Information Services	$10.68 billion	2.43	$382.00 million	$0.73	69.22

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

Risk & Volatility

OppFi has a beta of 1.73, indicating that its share price is 73% more volatile than the S&P 500. Comparatively, Fidelity National Information Services has a beta of 0.9, indicating that its share price is 10% less volatile than the S&P 500.

Profitability

This table compares OppFi and Fidelity National Information Services’ net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
OppFi	0.68%	55.59%	20.07%
Fidelity National Information Services	3.58%	21.21%	9.11%

Summary

Fidelity National Information Services 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 Fidelity National Information Services

Fidelity National Information Services, Inc. engages in the provision of financial services technology solutions for financial institutions, businesses, and developers worldwide. It operates through Banking Solutions, Capital Market Solutions, and Corporate and Other segments. The company provides core processing and ancillary applications; mobile and online banking; fraud, risk management, and compliance; card and retail payment; electronic funds transfer and network; wealth and retirement; and item processing and output solutions. It also offers trading and asset, lending, leveraged and syndicated loan markets, and treasury and risk solutions. The company was founded in 1968 and is headquartered in Jacksonville, Florida.