Financial Comparison: Oportun Financial (NASDAQ:OPRT) and Winland Electronics (OTCMKTS:WELX)

Winland Electronics (OTCMKTS:WELX) 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 valuation, earnings, dividends, institutional ownership, profitability, analyst recommendations and risk.

Insider & Institutional Ownership

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

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Winland Electronics	N/A	N/A	N/A
Oportun Financial	1.87%	12.14%	1.47%

Volatility & Risk

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

Earnings and Valuation

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

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Winland Electronics	$5.81 million	1.94	-$520,000.00	$0.50	4.44
Oportun Financial	$956.70 million	0.29	$25.25 million	$0.37	16.22

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.

Analyst Recommendations

This is a summary of recent ratings and recommmendations for Winland Electronics and Oportun Financial, as reported by MarketBeat.

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

Oportun Financial has a consensus price target of $7.00, indicating a potential upside of 16.67%. Given Oportun Financial’s stronger consensus rating and higher possible upside, analysts plainly believe Oportun Financial is more favorable than Winland Electronics.

Summary

Oportun Financial beats Winland Electronics on 10 of the 14 factors compared between the two stocks.

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.

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.