Analyzing Gentera (OTCMKTS:CMPRF) and Oportun Financial (NASDAQ:OPRT)

Oportun Financial (NASDAQ:OPRT) and Gentera (OTCMKTS:CMPRF) are both financial services companies, but which is the superior business? We will contrast the two businesses based on the strength of their analyst recommendations, institutional ownership, risk, earnings, profitability, valuation and dividends.

Valuation and Earnings

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

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Oportun Financial	$413.86 million	0.62	-$77.74 million	($6.87)	-1.10
Gentera	N/A	N/A	N/A	$1.95	0.60

Gentera has lower revenue, but higher earnings than Oportun Financial. Oportun Financial is trading at a lower price-to-earnings ratio than Gentera, indicating that it is currently the more affordable of the two stocks.

Analyst Recommendations

This is a breakdown of recent ratings and price targets for Oportun Financial and Gentera, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Oportun Financial	0	2	4	0	2.67
Gentera	0	1	2	0	2.67

Oportun Financial presently has a consensus price target of $7.25, suggesting a potential downside of 3.72%. Given Oportun Financial’s higher probable upside, equities analysts clearly believe Oportun Financial is more favorable than Gentera.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Oportun Financial	-22.27%	-18.22%	-2.59%
Gentera	N/A	N/A	N/A

Institutional & Insider Ownership

73.7% of Oportun Financial shares are held by institutional investors. Comparatively, 25.2% of Gentera shares are held by institutional investors. 10.2% of Oportun Financial shares are held by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company is poised for long-term growth.

About Oportun Financial

Oportun Financial Corporation provides financial services. It offers personal loans and credit cards. The company serves customers through online and over-the-phone, as well as through retail and Lending as a Service partner locations. Oportun Financial Corporation was founded in 2005 and is headquartered in San Carlos, California.

About Gentera

Gentera, S. A. B. de C. V. provides various financial products and services in Mexico and Peru. The company offers individual and group credit, savings, insurance, and transactional channels services to entrepreneurs and microentrepreneurs. It also provides insurance agent services; and personal loans; as well as operates as a bank commission agent administrator that offers financial operations, payment of services, and cellphone top-ups services. The company was formerly known as Financiera Compartamos, S.A. B. de C. V. Gentera, S. A. B. de C. V. was founded in 1990 and is headquartered in Mexico City, Mexico.