SAIHEAT (NASDAQ:SAIH) versus OppFi (NYSE:OPFI) Critical Review

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

Analyst Ratings

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

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

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%

Institutional & Insider 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 insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock will outperform the market over the long term.

Valuation & Earnings

This table compares SAIHEAT 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
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.

Volatility & Risk

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

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.