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

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

Valuation and Earnings

This table compares Sphere 3D 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
Sphere 3D	$16.61 million	0.72	-$23.41 million	($0.52)	-0.88
OppFi	$525.96 million	1.39	-$1.00 million	$0.21	40.16

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.

Analyst Ratings

This is a summary of current ratings and target prices for Sphere 3D and OppFi, as reported by MarketBeat.

	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 presently has a consensus price target of $3.00, suggesting a potential upside of 553.59%. OppFi has a consensus price target of $9.00, suggesting a potential upside of 6.72%. Given Sphere 3D’s stronger consensus rating and higher possible upside, analysts plainly believe Sphere 3D is more favorable than OppFi.

Risk and Volatility

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

Institutional and Insider Ownership

17.3% of Sphere 3D shares are owned by institutional investors. Comparatively, 7.1% of OppFi shares are owned by institutional investors. 5.6% of Sphere 3D shares are owned by insiders. Comparatively, 84.0% of OppFi shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock is poised for long-term growth.

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%

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.