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

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

Institutional and Insider Ownership

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

Risk and Volatility

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

Valuation and Earnings

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

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Oportun Financial	$1.06 billion	0.10	-$179.95 million	($2.73)	-1.07
Gryphon Digital Mining	$9.48 million	2.08	-$11.58 million	N/A	N/A

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

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%

Analyst Recommendations

This is a summary of recent ratings and target prices for Oportun Financial and Gryphon Digital Mining, as reported by MarketBeat.

	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 target price of $5.70, suggesting a potential upside of 95.88%. Given Oportun Financial’s stronger consensus rating and higher possible upside, equities research analysts plainly believe Oportun Financial is more favorable than Gryphon Digital Mining.

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.