International Money Express (NASDAQ:IMXI – Get Free Report) and OppFi (NYSE:OPFI – Get Free Report) are both small-cap business services companies, but which is the better investment? We will compare the two companies based on the strength of their earnings, valuation, institutional ownership, risk, profitability, analyst recommendations and dividends.
Risk and Volatility
International Money Express has a beta of 0.86, suggesting that its share price is 14% less volatile than the S&P 500. Comparatively, OppFi has a beta of 1.73, suggesting that its share price is 73% more volatile than the S&P 500.
Valuation & Earnings
This table compares International Money Express 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 | |
| International Money Express | $625.12 million | 0.75 | $32.67 million | $1.08 | 14.62 |
| OppFi | $573.52 million | 1.36 | $7.26 million | ($0.75) | -12.08 |
International Money Express has higher revenue and earnings than OppFi. OppFi is trading at a lower price-to-earnings ratio than International Money Express, indicating that it is currently the more affordable of the two stocks.
Profitability
This table compares International Money Express and OppFi’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| International Money Express | 5.38% | 29.87% | 8.66% |
| OppFi | 0.68% | 55.59% | 20.07% |
Institutional & Insider Ownership
86.7% of International Money Express shares are owned by institutional investors. Comparatively, 7.1% of OppFi shares are owned by institutional investors. 5.1% of International Money Express shares are owned by company insiders. Comparatively, 72.0% of OppFi shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock will outperform the market over the long term.
Analyst Recommendations
This is a summary of current ratings and price targets for International Money Express and OppFi, as provided by MarketBeat.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| International Money Express | 0 | 5 | 1 | 0 | 2.17 |
| OppFi | 1 | 2 | 1 | 0 | 2.00 |
International Money Express presently has a consensus price target of $14.33, indicating a potential downside of 9.23%. OppFi has a consensus price target of $14.00, indicating a potential upside of 54.53%. Given OppFi’s higher possible upside, analysts clearly believe OppFi is more favorable than International Money Express.
Summary
International Money Express beats OppFi on 7 of the 13 factors compared between the two stocks.
About International Money Express
International Money Express, Inc., together with its subsidiaries, operates as an omnichannel money remittance services company in the United States, Latin America, Mexico, Central and South America, the Caribbean, Africa, and Asia. The company offers remittance services, which include a suite of ancillary financial processing solutions and payment services; and online payment options, pre-paid debit cards, and direct deposit payroll cards. It provides services through sending and paying agents and company-operated stores, as well as through online and Internet-enabled mobile devices. International Money Express, Inc. is headquartered in Miami, Florida.
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.
Receive News & Ratings for International Money Express Daily - Enter your email address below to receive a concise daily summary of the latest news and analysts' ratings for International Money Express and related companies with MarketBeat.com's FREE daily email newsletter.
