Analyzing Oportun Financial (NASDAQ:OPRT) and Ems Find (OTCMKTS:INTV)

Oportun Financial (NASDAQ:OPRT) and Ems Find (OTCMKTS:INTV) are both small-cap finance companies, but which is the better investment? We will compare the two companies based on the strength of their dividends, profitability, institutional ownership, risk, analyst recommendations, earnings and valuation.

Profitability

This table compares Oportun Financial and Ems Find’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Oportun Financial	-0.47%	13.15%	1.45%
Ems Find	-320.01%	N/A	-160.85%

Institutional and Insider Ownership

82.7% of Oportun Financial shares are held by institutional investors. 9.3% of Oportun Financial shares are held by insiders. Comparatively, 30.1% of Ems Find shares are held by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company will outperform the market over the long term.

Valuation & Earnings

This table compares Oportun Financial and Ems Find”s revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Oportun Financial	$366.38 million	0.72	-$78.68 million	($0.20)	-30.00
Ems Find	$5.86 million	0.57	-$11.52 million	($0.90)	-0.60

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

Analyst Recommendations

This is a breakdown of current ratings for Oportun Financial and Ems Find, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Oportun Financial	0	3	2	1	2.67
Ems Find	0	0	0	0	0.00

Oportun Financial presently has a consensus target price of $9.3333, indicating a potential upside of 55.56%. Given Oportun Financial’s stronger consensus rating and higher possible upside, equities research analysts clearly believe Oportun Financial is more favorable than Ems Find.

Volatility & Risk

Oportun Financial has a beta of 1.23, indicating that its stock price is 23% more volatile than the S&P 500. Comparatively, Ems Find has a beta of 2.82, indicating that its stock price is 182% more volatile than the S&P 500.

Summary

Oportun Financial beats Ems Find on 11 of the 15 factors compared between the two stocks.

About Oportun Financial

Oportun Financial Corporation provides financial services. The company offers personal loans and credit cards. It serves customers through online and over the phone, as well as through retail and Lending as a Service partner locations. The company was founded in 2005 and is headquartered in San Carlos, California.

About Ems Find

Integrated Ventures, Inc. engages in the mining of digital currency. The company manufactures and sells mining equipment and mining rigs; as well as develops blockchain software. It also provides transaction verification services for digital currency networks of cryptocurrencies, such as Bitcoin, Quant, and Dogecoin. The company is based in Tioga, Pennsylvania.