OppFi (NYSE:OPFI – Get Free Report) and Mitsubishi HC Capital (OTCMKTS:MIUFY – Get Free Report) are both business services companies, but which is the superior investment? We will compare the two businesses based on the strength of their analyst recommendations, institutional ownership, profitability, earnings, dividends, risk and valuation.
Earnings and Valuation
This table compares OppFi and Mitsubishi HC Capital’s top-line revenue, earnings per share and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| OppFi | $452.86 million | 0.47 | $7.10 million | ($0.14) | -13.93 |
| Mitsubishi HC Capital | N/A | N/A | N/A | $88.45 | 0.12 |
OppFi has higher revenue and earnings than Mitsubishi HC Capital. OppFi is trading at a lower price-to-earnings ratio than Mitsubishi HC Capital, indicating that it is currently the more affordable of the two stocks.
Institutional and Insider Ownership
Analyst Recommendations
This is a breakdown of recent ratings for OppFi and Mitsubishi HC Capital, as provided by MarketBeat.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| OppFi | 0 | 1 | 2 | 0 | 2.67 |
| Mitsubishi HC Capital | 0 | 0 | 0 | 0 | N/A |
OppFi presently has a consensus price target of $3.00, suggesting a potential upside of 53.85%. Given OppFi’s higher probable upside, analysts plainly believe OppFi is more favorable than Mitsubishi HC Capital.
Profitability
This table compares OppFi and Mitsubishi HC Capital’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| OppFi | 1.33% | 2.56% | 0.73% |
| Mitsubishi HC Capital | N/A | N/A | N/A |
Summary
OppFi beats Mitsubishi HC Capital on 8 of the 10 factors compared between the two stocks.
About OppFi
OppFi Inc. operates a financial technology platform that allows banks to offer lending products. Its platform facilitates the OppLoans, an installment loan product; SalaryTap, a payroll deduction secured installment loan product; and OppFi Card, a credit card product. The company was founded in 2012 and is headquartered in Chicago, Illinois.
About Mitsubishi HC Capital
Mitsubishi HC Capital Inc., together with its subsidiaries, engages in the lease, installment sale, and other financing activities in Japan, North America, Europe, the Middle and Near East, Asia/Oceania, and internationally. The company operates through Customer Solutions, Global Business, Environment, Energy & Infrastructure, Aviation, Logistics, and Real Estate segments. The company engages in the leasing, management, and development of real estate; rental and leasing; medical equipment; management of fund to support management specializing in the medical and long-term care fields; purchases and sell used goods; and auto leasing services. It offers investment in environment and energy-related companies; renewable energy and infrastructure business; operation and asset management of renewable energy business; and wind power generation. In addition, it offers aircraft leasing and aircraft engine leasing; ship finance; marine container and railway freight car leasing; real estate securitization finance; investment in mobility-related companies; and asset management services. Mitsubishi HC Capital Inc. was incorporated in 1971 and is based in Tokyo, Japan.
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