Reviewing Tenet Fintech Group (OTCMKTS:PKKFF) & OppFi (NYSE:OPFI)

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

Analyst Ratings

This is a breakdown of current ratings and target prices for Tenet Fintech Group and OppFi, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Tenet Fintech Group	0	0	0	0	0.00
OppFi	1	1	3	1	2.67

OppFi has a consensus price target of $13.63, suggesting a potential upside of 34.77%. Given OppFi’s stronger consensus rating and higher possible upside, analysts plainly believe OppFi is more favorable than Tenet Fintech Group.

Insider and Institutional Ownership

0.3% of Tenet Fintech Group shares are held by institutional investors. Comparatively, 7.1% of OppFi shares are held by institutional investors. 72.0% of OppFi shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company is poised for long-term growth.

Risk and Volatility

Tenet Fintech Group has a beta of 2.32, meaning that its share price is 132% more volatile than the S&P 500. Comparatively, OppFi has a beta of 1.69, meaning that its share price is 69% more volatile than the S&P 500.

Earnings and Valuation

This table compares Tenet Fintech Group and OppFi”s top-line revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Tenet Fintech Group	$2.03 million	5.30	-$42.29 million	($0.18)	-0.24
OppFi	$555.03 million	1.59	$7.26 million	($0.75)	-13.48

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

Profitability

This table compares Tenet Fintech Group and OppFi’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Tenet Fintech Group	-2,302.19%	-621.88%	-109.07%
OppFi	0.68%	58.48%	20.60%

Summary

OppFi beats Tenet Fintech Group on 11 of the 15 factors compared between the two stocks.

About Tenet Fintech Group

Tenet Fintech Group Inc., through its subsidiaries, provides various analytics and AI-based services to small-and-medium businesses and financial institutions. It offers Business Hub, a global ecosystem where analytics and AI are used to create opportunities and facilitate B2B transactions among its members. The company was formerly known as Peak Fintech Group Inc. and changed its name to Tenet Fintech Group Inc. in November 2021. Tenet Fintech Group Inc. was incorporated in 2008 and is headquartered in Toronto, Canada.

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.