SHF (NASDAQ:SHFS) & Oportun Financial (NASDAQ:OPRT) Critical Analysis
SHF (NASDAQ:SHFS) & Oportun Financial (NASDAQ:OPRT) Critical Analysis
SHF (NASDAQ:SHFS – Get Rating) and Oportun Financial (NASDAQ:OPRT – Get Rating) are both small-cap finance companies, but which is the superior business? We will contrast the two businesses based on the strength of their risk, earnings, analyst recommendations, valuation, profitability, dividends and institutional ownership.
SHF (納斯達克:SHFS — 獲得評級) 和奧波頓金融 (納斯達克:OPRT-獲得評級) 都是小型股金融公司, 但哪些是優越的業務?我們將根據兩家企業的風險、收益、分析師建議、估值、盈利能力、股息和機構所有權來對比。
Institutional and Insider Ownership
機構和內幕所有權
82.0% of SHF shares are held by institutional investors. Comparatively, 66.7% of Oportun Financial shares are held by institutional investors. 17.7% of SHF shares are held by company insiders. Comparatively, 5.5% of Oportun Financial shares are held by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company will outperform the market over the long term.
興鴻基金融股份的 82.0% 由機構投資者持有。相比之下，奧波金融股份有 66.7% 由機構投資者持有，17.7% 的 SHF 股份由公司內部人士持有。相比之下，Oportun 金融股份的 5.5％ 由公司內部人士持有。強大的機構擁有權表明，大型資金經理，捐贈基金和對沖基金認為公司長期的表現將超越市場。
Risk & Volatility
風險及波動性
SHF has a beta of 0.23, suggesting that its stock price is 77% less volatile than the S&P 500. Comparatively, Oportun Financial has a beta of 1.73, suggesting that its stock price is 73% more volatile than the S&P 500.
SHF 的測試值為 0.23，表明其股票價格的波動性比標普 500 低 77%。相比之下，奧波金融的測試值為 1.73，表明其股票價格比標普 500 的波動性高 73%。
Profitability
盈利
This table compares SHF and Oportun Financial's net margins, return on equity and return on assets.
此表格比較了 SHF 及奧華金融的淨利潤率、股本回報率及資產回報率。
| Net Margins | Return on Equity | Return on Assets | |
| SHF | N/A | 17.10% | 1.82% |
| Oportun Financial | -8.16% | 7.94% | 1.41% |
| 淨利潤 | 權益回報率 | 資產回報率 | |
| SHF | N/A | 17.10% | 1.82% |
| 奧文金融 | -8.16% | 7.94% | 1.41% |
Analyst Ratings
分析師評級
This is a summary of current ratings for SHF and Oportun Financial, as provided by MarketBeat.com.
這是 SHF 和奧波坦金融當前評級的摘要，由 MarketBeat.com 提供。
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| SHF | 0 | 0 | 1 | 0 | 3.00 |
| Oportun Financial | 0 | 2 | 3 | 0 | 2.60 |
| 銷售評級 | 保留評分 | 購買評級 | 強大的買入評級 | 評級分數 | |
| SHF | 0 | 0 | 1 | 0 | 3.00 |
| 奧文金融 | 0 | 2 | 3 | 0 | 2.60 |
SHF currently has a consensus price target of $10.50, suggesting a potential upside of 1,946.78%. Oportun Financial has a consensus price target of $8.70, suggesting a potential upside of 141.67%. Given SHF's stronger consensus rating and higher possible upside, equities research analysts clearly believe SHF is more favorable than Oportun Financial.
SHF 目前的一致價格目標為 10.50 美元，表明潛在的上行空間為 1,946.78%。奧華金融的共識價格目標為 8.70 美元，表明潛在的上行空間為 141.67％。鑑於 SHF 更強大的共識評級和更高的上行空間，股票研究分析師清楚地認為 SHF 比 Oportun Financial 更有利。
Earnings and Valuation
收益及估值
This table compares SHF and Oportun Financial's top-line revenue, earnings per share and valuation.
此表格比較 SHF 和 Oportun 金融的頂級收入、每股盈利和估值。
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| SHF | N/A | N/A | $1.25 million | N/A | N/A |
| Oportun Financial | $952.50 million | 0.13 | -$77.74 million | ($2.37) | -1.52 |
| 總收入 | 價格/銷售比率 | 淨收入 | 每股盈利 | 市盈比率 | |
| SHF | N/A | N/A | 一百二十五萬元 | N/A | N/A |
| 奧文金融 | 九五五百五十萬 | 0.13 | -77.74 萬美元 | (二元三十七元) | -1.52 |
SHF has higher earnings, but lower revenue than Oportun Financial.
SHF 的收益較高，但收入低於 Oportun 金融。
Summary
摘要
SHF beats Oportun Financial on 8 of the 11 factors compared between the two stocks.
SHF 在 8 個因素中的 11 個因素中，兩隻股票之間的比較擊敗奧波坦金融。
About SHF
關於新鴻基金融
(Get Rating)
(取得評分)
SHF Holdings, Inc., through its subsidiaries, provides access to banking, lending, and other financial services to financial institutions serving the cannabis industry. The company, through its proprietary platform, offers access to business checking and savings accounts, cash management accounts, savings and investment options, commercial lending, courier services, remote deposit services, automated clearing house payments and origination, and wire payments. Its services allow cannabis related businesses to obtain services from financial institutions that allow them to run their business with enhanced financial insight into their business and access to resources. The company was founded in 2015 and is based in Arvada, Colorado.
SHF Holdings, Inc. 通過其子公司，為服務於大麻行業的金融機構提供銀行，貸款和其他金融服務的訪問權限。該公司通過其專有平台，可以訪問商業支票和儲蓄帳戶，現金管理賬戶，儲蓄和投資選擇，商業貸款，快遞服務，遠程存款服務，自動化結算所付款和發放以及電匯支付。其服務使大麻相關企業能夠從金融機構那裡獲得服務，這些服務使他們能夠通過增強對業務和資源訪問的財務洞察力來經營業務。該公司成立於 2015 年，總部位於科羅拉多州阿瓦達。
About Oportun Financial
關於奧波金融
(Get Rating)
(取得評分)
Oportun Financial Corporation provides financial services. It offers personal loans, auto loans, and credit cards. The company serves customers online and over-the-phone, as well as through retail locations. It operates in 24 states in the United States, which include Arkansas, Delaware, Indiana, Kentucky, Mississippi, Montana, North Dakota, New Hampshire, Oregon, South Carolina, South Dakota, and Virginia. Oportun Financial Corporation was founded in 2005 and is headquartered in San Carlos, California.
奧波金融公司提供金融服務。它提供個人貸款，汽車貸款和信用卡。該公司為客戶在線和通過電話以及零售地點提供服務。它在美國 24 個州營運，包括阿肯色州，特拉華州，印第安納州，肯塔基州，密西西比州，蒙大拿州，北達科他州，新罕布什爾州，俄勒岡州，南卡羅來納州，南達科他州和弗吉尼亞州。奧波坦金融公司成立於 2005 年，總部位於加利福尼亞州聖卡洛斯。
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譯文內容由第三人軟體翻譯。