Financial Contrast: Ems Find (OTCMKTS:INTV) and Oportun Financial (NASDAQ:OPRT)

Oportun Financial (NASDAQ:OPRT) and Ems Find (OTCMKTS:INTV) are both small-cap finance companies, but which is the better business? We will contrast the two companies based on the strength of their analyst recommendations, institutional ownership, earnings, dividends, risk, valuation and profitability.

Valuation and Earnings

This table compares Oportun Financial and Ems Find”s gross revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Oportun Financial	$1.00 billion	0.25	-$78.68 million	($0.20)	-28.15
Ems Find	$5.86 million	0.57	-$11.52 million	($0.90)	-0.61

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

Volatility & Risk

Oportun Financial has a beta of 1.23, indicating that its share price is 23% more volatile than the S&P 500. Comparatively, Ems Find has a beta of 2.82, indicating that its share price is 182% more volatile than the S&P 500.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Oportun Financial	-0.47%	13.15%	1.45%
Ems Find	-320.01%	N/A	-160.85%

Insider and Institutional Ownership

82.7% of Oportun Financial shares are owned by institutional investors. 9.3% of Oportun Financial shares are owned by company insiders. Comparatively, 30.1% of Ems Find shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock is poised for long-term growth.

Analyst Recommendations

This is a summary of recent recommendations and price targets for Oportun Financial and Ems Find, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Oportun Financial	0	3	2	1	2.67
Ems Find	0	0	0	0	0.00

Oportun Financial currently has a consensus price target of $9.3333, suggesting a potential upside of 65.78%. Given Oportun Financial’s stronger consensus rating and higher probable upside, equities research analysts plainly believe Oportun Financial is more favorable than Ems Find.

Summary

Oportun Financial beats Ems Find on 10 of the 15 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 Ems Find

Integrated Ventures, Inc. engages in the mining of digital currency. The company manufactures and sells mining equipment and mining rigs; as well as develops blockchain software. It also provides transaction verification services for digital currency networks of cryptocurrencies, such as Bitcoin, Quant, and Dogecoin. The company is based in Tioga, Pennsylvania.