Oportun Financial (NASDAQ:OPRT) and CURO Group (NYSE:CURO) are both small-cap finance companies, but which is the superior investment? We will contrast the two businesses based on the strength of their valuation, analyst recommendations, institutional ownership, earnings, dividends, profitability and risk.
Profitability
This table compares Oportun Financial and CURO Group's net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets |
---|
Oportun Financial | -4.98% | -4.66% | -1.07% |
CURO Group | 10.64% | 115.45% | 8.28% |
Valuation & Earnings
This table compares Oportun Financial and CURO Group's gross revenue, earnings per share (EPS) and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio |
---|
Oportun Financial | $600.10 million | 0.84 | $61.60 million | $1.12 | 16.33 |
CURO Group | $1.14 billion | 0.51 | $111.49 million | $2.65 | 5.42 |
CURO Group has higher revenue and earnings than Oportun Financial. CURO Group is trading at a lower price-to-earnings ratio than Oportun Financial, indicating that it is currently the more affordable of the two stocks.
Risk & Volatility
Oportun Financial has a beta of 1.25, indicating that its stock price is 25% more volatile than the S&P 500. Comparatively, CURO Group has a beta of 3.13, indicating that its stock price is 213% more volatile than the S&P 500.
Analyst Ratings
This is a breakdown of current recommendations and price targets for Oportun Financial and CURO Group, as reported by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score |
---|
Oportun Financial | 0 | 1 | 3 | 0 | 2.75 |
CURO Group | 0 | 0 | 2 | 0 | 3.00 |
Oportun Financial presently has a consensus target price of $20.1250, suggesting a potential upside of 10.03%. CURO Group has a consensus target price of $18.00, suggesting a potential upside of 25.35%. Given CURO Group's stronger consensus rating and higher possible upside, analysts plainly believe CURO Group is more favorable than Oportun Financial.
Insider and Institutional Ownership
58.7% of Oportun Financial shares are held by institutional investors. Comparatively, 31.0% of CURO Group shares are held by institutional investors. 11.2% of Oportun Financial shares are held by insiders. Comparatively, 51.5% of CURO Group shares are held by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock is poised for long-term growth.
Summary
CURO Group beats Oportun Financial on 11 of the 14 factors compared between the two stocks.