Oportun Financial (NASDAQ:OPRT) and The9 (NASDAQ:NCTY) Financial Review

Oportun Financial (NASDAQ:OPRT) and The9 (NASDAQ:NCTY) are both small-cap finance companies, but which is the superior stock? We will compare the two businesses based on the strength of their institutional ownership, earnings, valuation, analyst recommendations, dividends, profitability and risk.

Earnings & Valuation

This table compares Oportun Financial and The9’s revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Oportun Financial	$1.06 billion	0.12	-$179.95 million	($5.05)	-0.70
The9	$25.22 million	1.44	$2.82 million	N/A	N/A

The9 has lower revenue, but higher earnings than Oportun Financial.

Analyst Recommendations

This is a breakdown of recent recommendations and price targets for Oportun Financial and The9, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Oportun Financial	0	4	2	0	2.33
The9	0	0	0	0	N/A

Oportun Financial presently has a consensus price target of $6.00, indicating a potential upside of 70.94%. Given Oportun Financial’s higher probable upside, equities analysts clearly believe Oportun Financial is more favorable than The9.

Insider & Institutional Ownership

82.7% of Oportun Financial shares are held by institutional investors. Comparatively, 0.5% of The9 shares are held by institutional investors. 10.2% of Oportun Financial shares are held by company insiders. Comparatively, 30.8% of The9 shares are held by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company will outperform the market over the long term.

Risk & Volatility

Oportun Financial has a beta of 1.13, suggesting that its stock price is 13% more volatile than the S&P 500. Comparatively, The9 has a beta of 1.88, suggesting that its stock price is 88% more volatile than the S&P 500.

Profitability

This table compares Oportun Financial and The9’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Oportun Financial	-17.02%	-31.58%	-4.02%
The9	N/A	N/A	N/A

Summary

The9 beats Oportun Financial on 7 of the 11 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 The9

The9 Limited, together with its subsidiaries, operates as Internet company in the People's Republic of China and internationally. It also involves in the operation of cryptocurrency mining and Non-Fungible Token platform NFTSTAR, a NFT trading and community platform that provides users with purchase, trade, and interactive activities. The company was formerly known as GameNow.net Limited and changed its name to The9 Limited in February 2004. The9 Limited was incorporated in 1999 and is headquartered in Shanghai, the People's Republic of China.