Comparing Cipher Mining (NASDAQ:CIFR) and OppFi (NYSE:OPFI)

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

Insider and Institutional Ownership

7.1% of OppFi shares are held by institutional investors. Comparatively, 12.3% of Cipher Mining shares are held by institutional investors. 84.0% of OppFi shares are held by company insiders. Comparatively, 2.3% of Cipher Mining shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company will outperform the market over the long term.

Volatility & Risk

OppFi has a beta of 1.61, suggesting that its stock price is 61% more volatile than the S&P 500. Comparatively, Cipher Mining has a beta of 2.65, suggesting that its stock price is 165% more volatile than the S&P 500.

Analyst Recommendations

This is a summary of recent ratings and recommmendations for OppFi and Cipher Mining, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
OppFi	0	2	1	0	2.33
Cipher Mining	0	1	10	2	3.08

OppFi presently has a consensus price target of $13.00, indicating a potential upside of 63.52%. Cipher Mining has a consensus price target of $8.13, indicating a potential upside of 247.22%. Given Cipher Mining’s stronger consensus rating and higher probable upside, analysts clearly believe Cipher Mining is more favorable than OppFi.

Earnings and Valuation

This table compares OppFi and Cipher Mining”s revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
OppFi	$525.96 million	1.31	-$1.00 million	$0.21	37.86
Cipher Mining	$151.27 million	5.69	-$25.78 million	($0.12)	-19.50

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

Profitability

This table compares OppFi and Cipher Mining’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
OppFi	1.40%	35.04%	12.09%
Cipher Mining	-33.39%	-8.29%	-7.29%

Summary

OppFi beats Cipher Mining on 8 of the 15 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 Cipher Mining

Cipher Mining Inc., together with its subsidiaries, engages in the development and operation of industrial scale bitcoin mining data centers in the United States. The company was incorporated in 2020 and is based in New York, New York. Cipher Mining Inc. operates as a subsidiary of Bitfury Holding B.V.