Head-To-Head Analysis: SAIHEAT (NASDAQ:SAIH) and OppFi (NYSE:OPFI)

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

Risk and Volatility

SAIHEAT has a beta of 1.61, meaning that its stock price is 61% more volatile than the S&P 500. Comparatively, OppFi has a beta of 1.45, meaning that its stock price is 45% more volatile than the S&P 500.

Insider and Institutional Ownership

0.2% of SAIHEAT shares are owned by institutional investors. Comparatively, 7.1% of OppFi shares are owned by institutional investors. 84.0% of OppFi shares are owned by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company is poised for long-term growth.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
SAIHEAT	N/A	N/A	N/A
OppFi	1.40%	35.04%	12.09%

Analyst Ratings

This is a summary of recent ratings for SAIHEAT and OppFi, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
SAIHEAT	0	0	0	0	0.00
OppFi	0	0	2	0	3.00

OppFi has a consensus target price of $7.50, suggesting a potential upside of 3.73%. Given OppFi’s stronger consensus rating and higher possible upside, analysts plainly believe OppFi is more favorable than SAIHEAT.

Earnings and Valuation

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

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
SAIHEAT	$6.95 million	1.65	-$6.12 million	N/A	N/A
OppFi	$523.16 million	1.19	-$1.00 million	$0.16	45.19

OppFi has higher revenue and earnings than SAIHEAT.

Summary

OppFi beats SAIHEAT on 10 of the 12 factors compared between the two stocks.

About SAIHEAT

SAIHEAT Limited engages in the development of liquid-cooling data centers. It develops technologies for the advanced computing center ecosystem, a center that provides high-performance servers, liquid cooling, and systems for capturing and recycling computing heat. The company was formerly known as SAI.TECH Global Corporation and changed its name to SAIHEAT Limited in August 2024. SAIHEAT Limited was founded in 2019 and is headquartered in Singapore.

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.