Oportun Financial (OPRT) Competitors

Guild (NYSE:GHLD) and Oportun Financial (NASDAQ:OPRT) are both small-cap finance companies, but which is the better investment? We will compare the two businesses based on the strength of their risk, community ranking, valuation, analyst recommendations, media sentiment, institutional ownership, earnings, dividends and profitability.

Do analysts rate GHLD or OPRT?

Guild currently has a consensus price target of $16.60, indicating a potential upside of 23.20%. Oportun Financial has a consensus price target of $9.00, indicating a potential upside of 57.89%. Given Oportun Financial's stronger consensus rating and higher probable upside, analysts clearly believe Oportun Financial is more favorable than Guild.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Guild	1 Sell rating(s)	1 Hold rating(s)	3 Buy rating(s)	0 Strong Buy rating(s)	2.40
Oportun Financial	0 Sell rating(s)	1 Hold rating(s)	2 Buy rating(s)	1 Strong Buy rating(s)	3.00

Which has more risk & volatility, GHLD or OPRT?

Guild has a beta of 0.98, indicating that its share price is 2% less volatile than the S&P 500. Comparatively, Oportun Financial has a beta of 1.13, indicating that its share price is 13% more volatile than the S&P 500.

Do insiders and institutionals have more ownership in GHLD or OPRT?

17.5% of Guild shares are held by institutional investors. Comparatively, 82.7% of Oportun Financial shares are held by institutional investors. 78.5% of Guild shares are held by company insiders. Comparatively, 9.3% of Oportun Financial shares are held by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock will outperform the market over the long term.

Which has preferable earnings and valuation, GHLD or OPRT?

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

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Guild	$1.06B	0.78	-$39.01M	$1.54	8.75
Oportun Financial	$295.20M	0.70	-$78.70M	-$2.01	-2.84

Does the MarketBeat Community prefer GHLD or OPRT?

Oportun Financial received 57 more outperform votes than Guild when rated by MarketBeat users. Likewise, 58.78% of users gave Oportun Financial an outperform vote while only 38.46% of users gave Guild an outperform vote.

Company	Underperform	Outperform
Guild	Outperform Votes 20 38.46%	Underperform Votes 32 61.54%
Oportun Financial	Outperform Votes 77 58.78%	Underperform Votes 54 41.22%

Is GHLD or OPRT more profitable?

Oportun Financial has a net margin of -7.86% compared to Guild's net margin of -12.78%. Guild's return on equity of 6.21% beat Oportun Financial's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Guild	-12.78%	6.21%	1.76%
Oportun Financial	-7.86%	5.49%	0.60%

Does the media prefer GHLD or OPRT?

In the previous week, Oportun Financial had 3 more articles in the media than Guild. MarketBeat recorded 7 mentions for Oportun Financial and 4 mentions for Guild. Guild's average media sentiment score of 1.00 beat Oportun Financial's score of 0.64 indicating that Guild is being referred to more favorably in the media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
Guild	3 Very Positive mention(s)	0 Positive mention(s)	1 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive
Oportun Financial	1 Very Positive mention(s)	1 Positive mention(s)	4 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive

Summary

Oportun Financial beats Guild on 10 of the 19 factors compared between the two stocks.