Analyzing OppFi (NYSE:OPFI) and Dave (NASDAQ:DAVEW)

Dave (NASDAQ:DAVEW) and OppFi (NYSE:OPFI) are both finance companies, but which is the superior stock? We will compare the two businesses based on the strength of their analyst recommendations, profitability, institutional ownership, dividends, earnings, valuation and risk.

Valuation and Earnings

This table compares Dave and OppFi”s top-line revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Dave	$643.65 million	N/A	N/A	N/A	N/A
OppFi	$597.05 million	1.06	$26.33 million	$1.89	3.93

OppFi has lower revenue, but higher earnings than Dave.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Dave	N/A	N/A	N/A
OppFi	16.64%	30.89%	13.99%

Analyst Recommendations

This is a breakdown of current recommendations and price targets for Dave and OppFi, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Dave	0	0	0	0	0.00
OppFi	1	3	2	0	2.17

OppFi has a consensus price target of $10.50, indicating a potential upside of 41.51%. Given OppFi’s stronger consensus rating and higher possible upside, analysts plainly believe OppFi is more favorable than Dave.

Institutional & Insider Ownership

7.1% of OppFi shares are owned by institutional investors. 70.2% of OppFi shares are owned by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock will outperform the market over the long term.

Summary

OppFi beats Dave on 8 of the 9 factors compared between the two stocks.

About Dave

Dave Inc. provides a suite of financial products and services through its financial services platform. The company offers Budget, personal financial management tool that helps members with budgeting, and managing income and expenses; ExtraCash, a short-term liquidity alternative, which allows members to advance funds to their account through automated clearing house network and avoid a fee; Side Hustle, a job application portal to find supplemental or temporary work; and Surveys, which allows member to take paid surveys within the Dave mobile application. It also provides Dave Banking, a digital checking and demand deposit account. The company was founded in 2015 and is headquartered in Los Angeles, California.

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.