Critical Comparison: OppFi (NYSE:OPFI) versus Atlantic International (NASDAQ:CIRC)
by Jessica Moore · The Cerbat GemAtlantic International (NASDAQ:CIRC – Get Free Report) and OppFi (NYSE:OPFI – Get Free Report) are both small-cap finance companies, but which is the superior business? We will compare the two businesses based on the strength of their profitability, valuation, risk, institutional ownership, earnings, analyst recommendations and dividends.
Valuation & Earnings
This table compares Atlantic International and OppFi”s revenue, earnings per share and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Atlantic International | $435.88 million | 0.08 | -$59.43 million | ($2.11) | -0.19 |
| OppFi | $597.05 million | 0.92 | $26.33 million | $1.89 | 3.39 |
OppFi has higher revenue and earnings than Atlantic International. Atlantic International 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 Atlantic International and OppFi’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Atlantic International | -19.39% | N/A | -28.58% |
| OppFi | 16.64% | 30.89% | 13.99% |
Volatility & Risk
Atlantic International has a beta of 0.81, meaning that its share price is 19% less volatile than the S&P 500. Comparatively, OppFi has a beta of 1.76, meaning that its share price is 76% more volatile than the S&P 500.
Analyst Recommendations
This is a breakdown of recent ratings and recommmendations for Atlantic International and OppFi, as provided by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Atlantic International | 1 | 1 | 0 | 1 | 2.33 |
| OppFi | 1 | 3 | 2 | 0 | 2.17 |
OppFi has a consensus target price of $10.50, suggesting a potential upside of 63.68%. Given OppFi’s higher probable upside, analysts clearly believe OppFi is more favorable than Atlantic International.
Institutional & Insider Ownership
7.1% of OppFi shares are owned by institutional investors. 13.6% of Atlantic International shares are owned by insiders. Comparatively, 70.2% of OppFi shares are owned by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company is poised for long-term growth.
Summary
OppFi beats Atlantic International on 13 of the 15 factors compared between the two stocks.
About Atlantic International
Atlantic International Corp., through its subsidiaries, operates as a staffing company servicing the commercial, professional, finance, direct placement, and managed service provider verticals. The company specializes in permanent, temporary, and temporary-to-permanent placement services in various areas, including accounting and finance, administrative and clerical, hospitality, information technology, legal, light industrial, and medical fields. It also provides productivity consulting and workforce management solutions. Atlantic International Corp. was founded in 2018 and is based in Englewood Cliffs, New Jersey.
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.