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（纳斯达克股票代码：SHFS — Get Rating）和Oportun Financial（纳斯达克股票代码：OPRT — Get Rating）都是小型金融公司，但哪家业务更胜一筹？我们将根据两家企业的风险、收益、分析师建议、估值、盈利能力、股息和机构所有权对比这两家企业。
Institutional and Insider Ownership
机构所有权和内部所有权
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.
82.0％的SHF股票由机构投资者持有。相比之下，Oportun Financial有66.7％的股票由机构投资者持有。17.7％的SHF股票由公司内部人士持有。相比之下，Oportun Financial的5.5％股份由公司内部人士持有。强大的机构所有权表明，大型基金经理、捐赠基金和对冲基金认为，从长远来看，公司的表现将超过市场。
Risk & Volatility
风险与波动性
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beta值为0.23，这表明其股价的波动性比标准普尔500指数低77％。相比之下，Oportun Financial的beta值为1.73，这表明其股价的波动性比标准普尔500指数高73％。
Profitability
盈利能力
This table compares SHF and Oportun Financial's net margins, return on equity and return on assets.
该表比较了SHF和Oportun Financial的净利润率、股本回报率和资产回报率。
| Net Margins | Return on Equity | Return on Assets | |
| SHF | N/A | 17.10% | 1.82% |
| Oportun Financial | -8.16% | 7.94% | 1.41% |
| 净利润 | 股本回报率 | 资产回报率 | |
| SHF | 不适用 | 17.10% | 1.82% |
| 奥波顿金融 | -8.16% | 7.94% | 1.41% |
Analyst Ratings
分析师评级
This is a summary of current ratings for SHF and Oportun Financial, as provided by MarketBeat.com.
这是Marketbeat.com提供的SHF和Oportun Financial当前评级摘要。
| 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 |
| 卖出评级 | 持有评级 | 买入评级 | 强劲的买入评级 | 评分分数 | |
| SHF | 0 | 0 | 1 | 0 | 3.00 |
| 奥波顿金融 | 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目前的共识目标价为10.50美元，这表明潜在的上涨空间为1,946.78％。Oportun Financial的共识目标价为8.70美元，这表明潜在的上涨空间为141.67％。鉴于SHF更高的共识评级和更高的上行空间，股票研究分析师显然认为SHF比Oportun Financial更有利。
Earnings and Valuation
收益和估值
This table compares SHF and Oportun Financial's top-line revenue, earnings per share and valuation.
该表比较了SHF和Oportun Financial的收入收入、每股收益和估值。
| 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 |
| 总收入 | 价格/销售比率 | 净收入 | 每股收益 | 市盈率 | |
| SHF | 不适用 | 不适用 | 125 万美元 | 不适用 | 不适用 |
| 奥波顿金融 | 9.5250 亿美元 | 0.13 | -7,774 万美元 | (2.37 美元) | -1.52 |
SHF has higher earnings, but lower revenue than Oportun Financial.
与Oportun Financial相比，SHF的收益更高，但收入更低。
Summary
摘要
SHF beats Oportun Financial on 8 of the 11 factors compared between the two stocks.
在比较两只股票的11个因素中，SHF在8个因素上击败了Oportun Financial。
About SHF
关于 SHF
(Get Rating)
（获取评级）
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. 通过其子公司向为大麻行业服务的金融机构提供银行、贷款和其他金融服务。该公司通过其专有平台提供访问商业支票和储蓄账户、现金管理账户、储蓄和投资选项、商业贷款、快递服务、远程存款服务、自动清算所付款和发放以及电汇支付的权限。其服务使大麻相关企业能够从金融机构获得服务，从而使他们能够通过增强对业务的财务洞察力和获得资源的机会来经营业务。该公司成立于2015年，总部位于科罗拉多州阿瓦达。
About Oportun Financial
关于 Oportun Financ
(Get Rating)
（获取评级）
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.
Oportun 金融公司提供金融服务。它提供个人贷款、汽车贷款和信用卡。该公司通过在线和电话以及零售点为客户提供服务。它在美国的24个州开展业务，包括阿肯色州、特拉华州、印第安纳州、肯塔基州、密西西比州、蒙大拿州、北达科他州、新罕布什尔州、俄勒冈州、南卡罗来纳州、南达科他州和弗吉尼亚州。Oportun Financial Corporation成立于2005年，总部位于加利福尼亚州圣卡洛斯。
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译文内容由第三方软件翻译。