Head to Head Analysis: HIVE Digital Technologies (NASDAQ:HIVE) vs. Oportun Financial (NASDAQ:OPRT)

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

Analyst Recommendations

This is a summary of current recommendations for HIVE Digital Technologies and Oportun Financial, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
HIVE Digital Technologies	0	1	7	2	3.10
Oportun Financial	0	3	2	1	2.67

HIVE Digital Technologies currently has a consensus price target of $6.6667, indicating a potential upside of 181.29%. Oportun Financial has a consensus price target of $9.3333, indicating a potential upside of 55.30%. Given HIVE Digital Technologies’ stronger consensus rating and higher possible upside, research analysts clearly believe HIVE Digital Technologies is more favorable than Oportun Financial.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
HIVE Digital Technologies	-17.47%	-19.33%	-16.72%
Oportun Financial	-0.47%	13.15%	1.45%

Institutional & Insider Ownership

24.4% of HIVE Digital Technologies shares are held by institutional investors. Comparatively, 82.7% of Oportun Financial shares are held by institutional investors. 9.3% of Oportun Financial shares are held by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock is poised for long-term growth.

Valuation & Earnings

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

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
HIVE Digital Technologies	$115.28 million	4.71	-$3.00 million	($0.20)	-11.85
Oportun Financial	$1.00 billion	0.26	-$78.68 million	($0.20)	-30.05

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

Risk and Volatility

HIVE Digital Technologies has a beta of 3.41, indicating that its share price is 241% more volatile than the S&P 500. Comparatively, Oportun Financial has a beta of 1.23, indicating that its share price is 23% more volatile than the S&P 500.

Summary

HIVE Digital Technologies beats Oportun Financial on 8 of the 14 factors compared between the two stocks.

About HIVE Digital Technologies

HIVE Digital Technologies Ltd. operates as a cryptocurrency mining company in Canada, Sweden, and Iceland. The company engages in the mining and sale of digital currencies, including Ethereum Classic, Bitcoin, and other coins. It also operates data centers; and offers infrastructure solutions. The company was formerly known as HIVE Blockchain Technologies Ltd. and changed its name to HIVE Digital Technologies Ltd. in July 2023. HIVE Digital Technologies Ltd. was incorporated in 1987 and is headquartered in Vancouver, Canada.

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.