Comparing Park National (NYSE:PRK) & Orion Digital (NASDAQ:ORIO)

Orion Digital (NASDAQ:ORIO) and Park National (NYSE:PRK) are both finance companies, but which is the superior business? We will contrast the two businesses based on the strength of their institutional ownership, analyst recommendations, valuation, profitability, risk, dividends and earnings.

Risk & Volatility

Orion Digital has a beta of 2.53, suggesting that its stock price is 153% more volatile than the S&P 500. Comparatively, Park National has a beta of 0.72, suggesting that its stock price is 28% less volatile than the S&P 500.

Analyst Ratings

This is a breakdown of recent ratings and recommmendations for Orion Digital and Park National, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Orion Digital	1	1	0	0	1.50
Park National	0	5	0	0	2.00

Park National has a consensus target price of $200.50, suggesting a potential upside of 9.57%. Given Park National’s stronger consensus rating and higher possible upside, analysts clearly believe Park National is more favorable than Orion Digital.

Institutional and Insider Ownership

14.8% of Orion Digital shares are owned by institutional investors. Comparatively, 62.7% of Park National shares are owned by institutional investors. 12.3% of Orion Digital shares are owned by company insiders. Comparatively, 2.2% of Park National shares are owned 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 Orion Digital and Park National’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Orion Digital	-24.49%	-6.17%	-2.56%
Park National	23.46%	12.31%	1.50%

Valuation & Earnings

This table compares Orion Digital and Park National”s top-line revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Orion Digital	$49.11 million	0.43	-$6.11 million	($0.50)	-1.78
Park National	$623.80 million	5.30	$151.42 million	$11.17	16.38

Park National has higher revenue and earnings than Orion Digital. Orion Digital is trading at a lower price-to-earnings ratio than Park National, indicating that it is currently the more affordable of the two stocks.

Summary

Park National beats Orion Digital on 11 of the 13 factors compared between the two stocks.

About Orion Digital

Mogo Inc. operates as a financial technology company in Canada and internationally. The company provides digital solutions to the consumers to get in control of their financial health. It offers Mogo app to access a digital spending account with Mogo Visa Platinum Prepaid Card; MogoCrypto that enables the buying and selling of bitcoin; MogoProtect, a free ID fraud protection and monthly credit score monitoring; MogoMortgage, a digital mortgage experience; and MogoMoney that provides access to personal loans. The company also offers Mogo Trade, a free stock trading platform with real-time stock quotes and funding; and Mogo Ventures to manage its existing investments in strategic partners and companies. In addition, it operates Carta, a digital payments software platform that enable financial technology companies, banks, and corporations to issue payment products to consumers via multiple channels, including physical, virtual, and tokenized cards, as well as payment switching and routing services. Mogo Inc. was founded in 2003 and is headquartered in Vancouver, Canada.

About Park National

Park National Corporation operates as the bank holding company for Park National Bank that provides commercial banking and trust services in small and medium population areas. The company offers deposits for demand, savings, and time accounts; trust and wealth management services; cash management services; safe deposit operations; electronic funds transfers; Internet and mobile banking solutions with bill pay service; credit cards; and various additional banking-related services. It also provides commercial loans, including financing for industrial and commercial properties, financing for equipment, inventory and accounts receivable, acquisition financing, and commercial leasing, as well as for consumer finance companies; commercial real estate loans comprising mortgage loans to developers and owners of commercial real estate; originates financing leases primarily for the purchase of commercial vehicles, operating/manufacturing equipment, and municipal vehicles/equipment; consumer loans, such as automobile loans; consumer finance services; home equity lines of credit; and residential real estate and construction loans, as well as installment loans and commercial loans. In addition, the company offers aircraft financing services; and ParkDirect, a personal banking application. Park National Corporation was founded in 1908 and is headquartered in Newark, Ohio.