Reviewing MoneyHero (NASDAQ:MNY) and Oportun Financial (NASDAQ:OPRT)

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

Insider and Institutional Ownership

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

Analyst Recommendations

This is a summary of current recommendations for MoneyHero and Oportun Financial, as provided by MarketBeat.com.

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

MoneyHero currently has a consensus price target of $4.00, indicating a potential upside of 199.63%. Oportun Financial has a consensus price target of $8.00, indicating a potential upside of 47.60%. Given MoneyHero’s stronger consensus rating and higher possible upside, equities analysts plainly believe MoneyHero is more favorable than Oportun Financial.

Risk and Volatility

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

Profitability

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

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

Earnings & Valuation

This table compares MoneyHero and Oportun Financial”s revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
MoneyHero	$73.43 million	0.80	-$5.18 million	($0.20)	-6.68
Oportun Financial	$956.70 million	0.26	$25.25 million	$0.37	14.65

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.

Summary

Oportun Financial beats MoneyHero on 10 of the 15 factors compared between the two stocks.

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.

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.