Contrasting MoneyHero (NASDAQ:MNY) & Oportun Financial (NASDAQ:OPRT)

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

Volatility & Risk

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

Analyst Ratings

This is a breakdown of current ratings and recommmendations 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 194.12%. Oportun Financial has a consensus price target of $8.00, indicating a potential upside of 51.23%. Given MoneyHero’s stronger consensus rating and higher probable upside, equities analysts plainly believe MoneyHero is more favorable than Oportun Financial.

Valuation and Earnings

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

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
MoneyHero	$73.43 million	0.81	-$5.18 million	($0.20)	-6.80
Oportun Financial	$956.70 million	0.25	$25.25 million	$0.37	14.30

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.

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%

Insider and Institutional Ownership

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

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.