Head to Head Analysis: OppFi (NYSE:OPFI) vs. Nayax (NASDAQ:NYAX)

OppFi (NYSE:OPFI) and Nayax (NASDAQ:NYAX) are both business services companies, but which is the better stock? We will compare the two companies based on the strength of their dividends, earnings, analyst recommendations, risk, profitability, valuation and institutional ownership.

Risk and Volatility

OppFi has a beta of 1.69, suggesting that its stock price is 69% more volatile than the S&P 500. Comparatively, Nayax has a beta of 0.14, suggesting that its stock price is 86% less volatile than the S&P 500.

Valuation & Earnings

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

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
OppFi	$525.96 million	1.62	$7.26 million	($0.75)	-13.19
Nayax	$314.01 million	6.58	-$5.63 million	$0.64	91.05

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

Institutional & Insider Ownership

7.1% of OppFi shares are owned by institutional investors. Comparatively, 34.9% of Nayax shares are owned by institutional investors. 72.0% of OppFi shares are owned by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock is poised for long-term growth.

Analyst Recommendations

This is a summary of recent recommendations and price targets for OppFi and Nayax, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
OppFi	1	2	3	0	2.33
Nayax	1	3	3	0	2.29

OppFi presently has a consensus target price of $13.63, suggesting a potential upside of 37.70%. Nayax has a consensus target price of $49.00, suggesting a potential downside of 15.91%. Given OppFi’s stronger consensus rating and higher possible upside, equities research analysts clearly believe OppFi is more favorable than Nayax.

Profitability

This table compares OppFi and Nayax’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%
Nayax	6.49%	6.51%	2.17%

Summary

OppFi beats Nayax on 8 of the 13 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 Nayax

Nayax Ltd., a fintech company, operates system and payment platform for multiple retailers in the United States, Europe, the United Kingdom, Australia, Israel, and rest of the world. The company offers AMIT 3.0, a machine-to-machine vending telemetry solution; Nayax Core, a management and monitoring software for vending machines and other unattended machines; MoMa, a mobile app for unattended machine; Tigapo back-office software suite, a cloud-based platform; EV Core, a smart, cloud-based management platform; Retail Management Cloud, a comprehensive attended retail management platform; Loyalty and Marketing Suite, a consumer engagement marketing and loyalty platform; Monyx Wallet, a digital wallet app enabling cashless payments with mobile phones; Weezmo, a consumer engagement and marketing platform; and Tigapo app, a proprietary mobile app to help family entertainment center businesses. It provides electric vehicle charging stations; VPOS Touch, a credit card reader cashless payment device; VPOS Fusion, a cashless payment card reader; ONYX, a contactless card reader and telemetry device; NOVA 156, an electronic cash register; DOT, a smart QR and barcode reader; UNO Plus and UNO 8, which are EMV and FeliCa contactless readers; EMV SOM, a PCI-PTS ready contactless EMV reader module; Nova Market, a cashless micro market and self-checkout solution; NOVA 55, an a handheld smart point of sale (POS) device; NOVA 45, a handheld mini smart terminals for attended POS; and Retail One, a universal retail solution that integrates directly with SAP. The company sells its products directly, as well as through resellers and distributors. It serves various verticals, including vending machines, coffee machines, unattended checkout counters, self-service kiosks, ticketing machines, car wash stations, gaming machines, amusement rides, laundromats, and EV charging stations. Nayax Ltd. was incorporated in 2005 and is headquartered in Herzliya, Israel.