Oportun Financial (OPRT) Competitors

Oportun Financial (NASDAQ:OPRT) and Cipher Mining (NASDAQ:CIFR) are both banking companies, but which is the superior stock? We will contrast the two businesses based on the strength of their media sentiment, profitability, institutional ownership, earnings, risk, valuation, analyst recommendations and dividends.

Which has more risk & volatility, OPRT or CIFR?

Oportun Financial has a beta of 1.24, indicating that its share price is 24% more volatile than the S&P 500. Comparatively, Cipher Mining has a beta of 2.72, indicating that its share price is 172% more volatile than the S&P 500.

Is OPRT or CIFR more profitable?

Oportun Financial has a net margin of -4.31% compared to Cipher Mining's net margin of -81.21%. Oportun Financial's return on equity of 10.12% beat Cipher Mining's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Oportun Financial	-4.31%	10.12%	1.10%
Cipher Mining	-81.21%	-17.77%	-14.88%

Which has preferable valuation & earnings, OPRT or CIFR?

Cipher Mining has lower revenue, but higher earnings than Oportun Financial. Cipher Mining is trading at a lower price-to-earnings ratio than Oportun Financial, indicating that it is currently the more affordable of the two stocks.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Oportun Financial	$1.00B	0.31	-$78.68M	-$1.12	-6.33
Cipher Mining	$152.09M	13.35	-$44.63M	-$0.36	-16.82

Does the media prefer OPRT or CIFR?

In the previous week, Cipher Mining had 10 more articles in the media than Oportun Financial. MarketBeat recorded 13 mentions for Cipher Mining and 3 mentions for Oportun Financial. Cipher Mining's average media sentiment score of 0.64 beat Oportun Financial's score of 0.14 indicating that Cipher Mining is being referred to more favorably in the news media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
Oportun Financial	1 Very Positive mention(s)	0 Positive mention(s)	2 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Neutral
Cipher Mining	6 Very Positive mention(s)	2 Positive mention(s)	4 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive

Do institutionals and insiders have more ownership in OPRT or CIFR?

82.7% of Oportun Financial shares are held by institutional investors. Comparatively, 12.3% of Cipher Mining shares are held by institutional investors. 9.3% of Oportun Financial shares are held by company insiders. Comparatively, 2.9% of Cipher Mining 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.

Do analysts prefer OPRT or CIFR?

Oportun Financial presently has a consensus target price of $8.33, suggesting a potential upside of 17.62%. Cipher Mining has a consensus target price of $7.63, suggesting a potential upside of 25.93%. Given Cipher Mining's stronger consensus rating and higher probable upside, analysts clearly believe Cipher Mining is more favorable than Oportun Financial.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Oportun Financial	0 Sell rating(s)	3 Hold rating(s)	2 Buy rating(s)	1 Strong Buy rating(s)	2.67
Cipher Mining	0 Sell rating(s)	1 Hold rating(s)	10 Buy rating(s)	2 Strong Buy rating(s)	3.08

Summary

Cipher Mining beats Oportun Financial on 10 of the 17 factors compared between the two stocks.