Critical Survey: Oportun Financial (NASDAQ:OPRT) versus Gryphon Digital Mining (NASDAQ:GRYP)

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

Earnings and Valuation

This table compares Oportun Financial and Gryphon Digital Mining”s top-line revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Oportun Financial	$1.06 billion	0.09	-$179.95 million	($2.73)	-1.01
Gryphon Digital Mining	$9.48 million	2.15	-$11.58 million	N/A	N/A

Gryphon Digital Mining has lower revenue, but higher earnings than Oportun Financial.

Insider & Institutional Ownership

82.7% of Oportun Financial shares are owned by institutional investors. Comparatively, 10.2% of Gryphon Digital Mining shares are owned by institutional investors. 9.3% of Oportun Financial shares are owned by insiders. Comparatively, 1.2% of Gryphon Digital Mining shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company will outperform the market over the long term.

Analyst Recommendations

This is a breakdown of current ratings and recommmendations for Oportun Financial and Gryphon Digital Mining, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Oportun Financial	0	4	1	0	2.20
Gryphon Digital Mining	0	1	0	0	2.00

Oportun Financial currently has a consensus price target of $5.70, suggesting a potential upside of 107.27%. Given Oportun Financial’s stronger consensus rating and higher possible upside, equities research analysts clearly believe Oportun Financial is more favorable than Gryphon Digital Mining.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Oportun Financial	-11.66%	-11.04%	-1.31%
Gryphon Digital Mining	N/A	N/A	-160.27%

Volatility & Risk

Oportun Financial has a beta of 1.11, suggesting that its share price is 11% more volatile than the S&P 500. Comparatively, Gryphon Digital Mining has a beta of 2.44, suggesting that its share price is 144% more volatile than the S&P 500.

Summary

Oportun Financial beats Gryphon Digital Mining on 7 of the 12 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 Gryphon Digital Mining

Gryphon Digital Mining, Inc. operates as a bitcoin mining company in the United States. It operates mining computers and ESG-led mining. The company was founded in 2020 and is based in Las Vegas, Nevada.