Oportun Financial (NASDAQ:OPRT) & Winland Electronics (OTCMKTS:WELX) Financial Survey

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

Risk & Volatility

Oportun Financial has a beta of 1.23, indicating that its stock price is 23% more volatile than the S&P 500. Comparatively, Winland Electronics has a beta of 1.32, indicating that its stock price is 32% more volatile than the S&P 500.

Analyst Recommendations

This is a breakdown of recent recommendations and price targets for Oportun Financial and Winland Electronics, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Oportun Financial	1	2	1	0	2.00
Winland Electronics	0	0	0	0	0.00

Oportun Financial presently has a consensus target price of $7.00, suggesting a potential upside of 17.65%. Given Oportun Financial’s stronger consensus rating and higher possible upside, analysts plainly believe Oportun Financial is more favorable than Winland Electronics.

Earnings and Valuation

This table compares Oportun Financial and Winland Electronics”s gross revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Oportun Financial	$394.90 million	0.69	$25.25 million	$0.37	16.08
Winland Electronics	$5.81 million	2.01	-$520,000.00	$0.50	4.60

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

Insider and Institutional Ownership

82.7% of Oportun Financial shares are owned by institutional investors. 1.6% of Oportun Financial shares are owned by company insiders. Comparatively, 8.1% of Winland Electronics shares are owned by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock will outperform the market over the long term.

Profitability

This table compares Oportun Financial and Winland Electronics’ 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%
Winland Electronics	N/A	N/A	N/A

Summary

Oportun Financial beats Winland Electronics on 10 of the 14 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 Winland Electronics

Winland Holdings Corporation, through its subsidiaries, provides critical condition monitoring devices to the security industry. Its products are used to protect against loss of assets due to damage from water, excess humidity, extremes of temperature, and loss of power. The company offers EnviroAlert, which monitors temperature, humidity, and/or water presence in critical environments; TempAlert, a temperature monitoring device for residential and commercial environments through security systems; WaterBug, a water presence and leak detection system; and Power-Out Alert, a power outage detector. It also provides INSIGHT, an automated cloud-based platform that offers early alerting, reporting, and logging services designed to ensure regulatory compliance. The company offers its products through a network of distributors, dealers, security installers, and integrators for industries including health and medical, grocery and food services, and commercial and industrial, as well as agriculture and residential. Winland Holdings Corporation was incorporated in 1972 and is headquartered in Mankato, Minnesota.