Financial Survey: MoneyHero (NASDAQ:MNY) versus Oportun Financial (NASDAQ:OPRT)

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

Volatility and Risk

Oportun Financial has a beta of 1.3, indicating that its stock price is 30% more volatile than the S&P 500. Comparatively, MoneyHero has a beta of 1.2, indicating that its stock price is 20% more volatile than the S&P 500.

Analyst Recommendations

This is a summary of current ratings and price targets for Oportun Financial and MoneyHero, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Oportun Financial	1	2	2	0	2.20
MoneyHero	1	1	0	1	2.33

Oportun Financial currently has a consensus target price of $8.00, suggesting a potential upside of 46.79%. MoneyHero has a consensus target price of $4.00, suggesting a potential upside of 196.30%. Given MoneyHero’s stronger consensus rating and higher probable upside, analysts clearly believe MoneyHero is more favorable than Oportun Financial.

Valuation & Earnings

This table compares Oportun Financial and MoneyHero”s top-line revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Oportun Financial	$394.90 million	0.63	$25.25 million	$0.37	14.73
MoneyHero	$73.43 million	0.81	-$5.18 million	($0.20)	-6.75

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

Institutional and Insider Ownership

82.7% of Oportun Financial shares are held by institutional investors. Comparatively, 30.9% of MoneyHero shares are held by institutional investors. 9.3% of Oportun Financial shares are held by company insiders. Comparatively, 19.2% of MoneyHero shares are held by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company is poised for long-term growth.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Oportun Financial	1.87%	12.14%	1.47%
MoneyHero	-7.05%	-12.51%	-6.76%

Summary

Oportun Financial beats MoneyHero on 10 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 MoneyHero

MoneyHero Limited operates as a personal finance company. It engages in operation of online financial comparison platforms and related services. The company offers its products under Money Hero, SingSaver, Money101, MoneyMax, CompareHero, Seedly, and Creatory brands. MoneyHero Limited operates in Singapore, Hong Kong, Taiwan, the Philippines, Malaysia, and Thailand. The company was founded in 2014 and is headquartered in Singapore.