Critical Survey: OppFi (NYSE:OPFI) vs. Cantaloupe (NASDAQ:CTLP)

OppFi (NYSE:OPFI) and Cantaloupe (NASDAQ:CTLP) are both small-cap business services companies, but which is the superior stock? We will contrast the two businesses based on the strength of their valuation, risk, dividends, institutional ownership, analyst recommendations, profitability and earnings.

Risk and Volatility

OppFi has a beta of 1.71, meaning that its share price is 71% more volatile than the S&P 500. Comparatively, Cantaloupe has a beta of 1.09, meaning that its share price is 9% more volatile than the S&P 500.

Institutional and Insider Ownership

7.1% of OppFi shares are owned by institutional investors. Comparatively, 75.8% of Cantaloupe shares are owned by institutional investors. 72.0% of OppFi shares are owned by company insiders. Comparatively, 7.1% of Cantaloupe shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company will outperform the market over the long term.

Profitability

This table compares OppFi and Cantaloupe’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%
Cantaloupe	17.32%	8.81%	5.73%

Analyst Recommendations

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

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
OppFi	1	2	2	0	2.20
Cantaloupe	1	7	0	0	1.88

OppFi currently has a consensus price target of $13.63, suggesting a potential upside of 49.07%. Cantaloupe has a consensus price target of $12.73, suggesting a potential upside of 21.62%. Given OppFi’s stronger consensus rating and higher probable upside, research analysts plainly believe OppFi is more favorable than Cantaloupe.

Earnings & Valuation

This table compares OppFi and Cantaloupe”s gross revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
OppFi	$525.96 million	1.50	$7.26 million	($0.75)	-12.19
Cantaloupe	$302.55 million	2.55	$64.53 million	$0.21	49.86

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

Summary

OppFi beats Cantaloupe on 8 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 Cantaloupe

Cantaloupe, Inc., a digital payments and software services company, provides technology solutions for self-service commerce market. The company offers integrated solutions for payments processing, logistics, and back-office management. It also provides G11 cashless and pulse kits that are 4G LTE digital payment devices for payment and consumer engagement applications; G11 chip kit, a digital reader that accepts contact EMV and contactless EMV payment methods; Engage series comprising Engage and Engage Combo, which are digital touchscreen devices that offers networking, security, and interactivity payment methods; and card touchscreen card readers, including P66, P100, P100Pro, and P30. In addition, the company offers self-checkout kiosks,?smart store?concepts, and the Cantaloupe Go management platform comprising Go Mini, Go MiniX, Go Plus100, Go Plus200, Go Plus300, Go Max, Cooler Cafe, and Smart Market; Go Portal, a robust cloud-based platform; and Cheq products, which supports attended and unattended self-service kiosks for the stadium, entertainment, and festival sectors. Further, it provides integrated software services for payment or asset tracking devices in the field to connect into platform for advanced data management, analytics, route scheduling, and loyalty and reward programs; and a range of self-service hardware solutions for vending, micro-markets, amusement, arcade, commercial laundry, air/vacuum, car wash, and other applications. Additionally, the company offers professional, network infrastructure, card processing, and customer/consumer services. Cantaloupe, Inc. was formerly known as USA Technologies, Inc. The company was incorporated in 1992 and is headquartered in Malvern, Pennsylvania.