Head-To-Head Review: MGT Capital Investments (OTCMKTS:MGTI) & Oportun Financial (NASDAQ:OPRT)

Oportun Financial (NASDAQ:OPRT) and MGT Capital Investments (OTCMKTS:MGTI) are both small-cap finance companies, but which is the superior investment? We will contrast the two businesses based on the strength of their institutional ownership, dividends, analyst recommendations, profitability, risk, earnings and valuation.

Valuation and Earnings

This table compares Oportun Financial and MGT Capital Investments’ gross revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Oportun Financial	$1.06 billion	0.07	-$179.95 million	($5.05)	-0.42
MGT Capital Investments	$810,000.00	3.26	-$5.98 million	N/A	N/A

MGT Capital Investments has lower revenue, but higher earnings than Oportun Financial.

Insider & Institutional Ownership

82.7% of Oportun Financial shares are owned by institutional investors. 10.2% of Oportun Financial shares are owned by insiders. Comparatively, 3.8% of MGT Capital Investments shares are owned by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock will outperform the market over the long term.

Analyst Recommendations

This is a summary of recent ratings for Oportun Financial and MGT Capital Investments, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Oportun Financial	0	5	2	0	2.29
MGT Capital Investments	0	0	0	0	N/A

Oportun Financial presently has a consensus target price of $6.57, suggesting a potential upside of 207.08%. Given Oportun Financial’s higher possible upside, analysts clearly believe Oportun Financial is more favorable than MGT Capital Investments.

Risk & Volatility

Oportun Financial has a beta of 1.26, suggesting that its share price is 26% more volatile than the S&P 500. Comparatively, MGT Capital Investments has a beta of 3.26, suggesting that its share price is 226% more volatile than the S&P 500.

Profitability

This table compares Oportun Financial and MGT Capital Investments’ 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%
MGT Capital Investments	2,337.29%	-202.89%	683.69%

Summary

Oportun Financial beats MGT Capital Investments on 6 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 MGT Capital Investments

MGT Capital Investments, Inc. engages in cryptocurrency mining business in the United States. It also leases space to other bitcoin miners; and provides hosting services for owners of mining equipment. The company was incorporated in 1977 and is headquartered in Raleigh, North Carolina.