Analyzing OppFi (NYSE:OPFI) and Sphere 3D (NASDAQ:ANY)

Sphere 3D (NASDAQ:ANY) and OppFi (NYSE:OPFI) are both small-cap finance companies, but which is the superior investment? We will compare the two businesses based on the strength of their dividends, valuation, earnings, institutional ownership, risk, analyst recommendations and profitability.

Earnings and Valuation

This table compares Sphere 3D and OppFi”s gross revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Sphere 3D	$16.61 million	0.73	-$23.41 million	($0.52)	-0.90
OppFi	$525.96 million	1.36	-$1.00 million	$0.21	39.46

OppFi has higher revenue and earnings than Sphere 3D. Sphere 3D is trading at a lower price-to-earnings ratio than OppFi, indicating that it is currently the more affordable of the two stocks.

Institutional & Insider Ownership

17.3% of Sphere 3D shares are held by institutional investors. Comparatively, 7.1% of OppFi shares are held by institutional investors. 5.6% of Sphere 3D shares are held by company insiders. Comparatively, 84.0% of OppFi shares are held by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock will outperform the market over the long term.

Volatility & Risk

Sphere 3D has a beta of 3.56, meaning that its share price is 256% more volatile than the S&P 500. Comparatively, OppFi has a beta of 1.61, meaning that its share price is 61% more volatile than the S&P 500.

Profitability

This table compares Sphere 3D and OppFi’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Sphere 3D	-50.87%	-49.54%	-34.72%
OppFi	1.40%	35.04%	12.09%

Analyst Ratings

This is a breakdown of recent ratings and target prices for Sphere 3D and OppFi, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Sphere 3D	0	0	1	0	3.00
OppFi	0	2	1	0	2.33

Sphere 3D currently has a consensus price target of $3.00, suggesting a potential upside of 544.19%. OppFi has a consensus price target of $13.00, suggesting a potential upside of 56.89%. Given Sphere 3D’s stronger consensus rating and higher probable upside, analysts plainly believe Sphere 3D is more favorable than OppFi.

Summary

OppFi beats Sphere 3D on 9 of the 13 factors compared between the two stocks.

About Sphere 3D

Sphere 3D Corp. engages in the bitcoin mining business. It is involved with digital asset mining pool operators to provide computing power to the mining pools. The company is based in Stamford, Connecticut.

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.