Head-To-Head Review: OppFi (NYSE:OPFI) and Cipher Mining (NASDAQ:CIFR)

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

Institutional and Insider Ownership

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

Earnings & Valuation

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

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

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.

Volatility & Risk

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

Profitability

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

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

Analyst Ratings

This is a breakdown of recent recommendations and price targets for Cipher Mining and OppFi, as reported by MarketBeat.

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

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

Summary

OppFi beats Cipher Mining on 8 of the 15 factors compared between the two stocks.

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.

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.