Analyzing Atlantic International (NASDAQ:CIRC) and OppFi (NYSE:OPFI)

Atlantic International (NASDAQ:CIRC) and OppFi (NYSE:OPFI) are both small-cap finance companies, but which is the better investment? We will compare the two companies based on the strength of their analyst recommendations, risk, dividends, valuation, earnings, institutional ownership and profitability.

Earnings and Valuation

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

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Atlantic International	$799.87 million	0.05	-$59.43 million	($2.11)	-0.22
OppFi	$597.05 million	1.04	$26.33 million	$1.89	3.84

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

Analyst Ratings

This is a summary of recent ratings for Atlantic International and OppFi, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Atlantic International	1	1	0	1	2.33
OppFi	1	3	2	0	2.17

OppFi has a consensus price target of $10.50, indicating a potential upside of 44.63%. Given OppFi’s higher possible upside, analysts clearly believe OppFi is more favorable than Atlantic International.

Institutional and Insider Ownership

7.1% of OppFi shares are owned by institutional investors. 13.6% of Atlantic International shares are owned by insiders. Comparatively, 70.2% of OppFi shares are owned by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company is poised for long-term growth.

Risk & Volatility

Atlantic International has a beta of 0.81, meaning that its share price is 19% less volatile than the S&P 500. Comparatively, OppFi has a beta of 1.76, meaning that its share price is 76% more volatile than the S&P 500.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Atlantic International	-19.39%	N/A	-28.58%
OppFi	16.64%	30.89%	13.99%

Summary

OppFi beats Atlantic International on 12 of the 15 factors compared between the two stocks.

About Atlantic International

Atlantic International Corp., through its subsidiaries, operates as a staffing company servicing the commercial, professional, finance, direct placement, and managed service provider verticals. The company specializes in permanent, temporary, and temporary-to-permanent placement services in various areas, including accounting and finance, administrative and clerical, hospitality, information technology, legal, light industrial, and medical fields. It also provides productivity consulting and workforce management solutions. Atlantic International Corp. was founded in 2018 and is based in Englewood Cliffs, New Jersey.

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.