Oportun Financial (NASDAQ:OPRT – Get Free Report) and Katapult (NASDAQ:KPLT – Get Free Report) are both small-cap finance companies, but which is the superior stock? We will compare the two companies based on the strength of their earnings, institutional ownership, dividends, risk, valuation, profitability and analyst recommendations.
Analyst Ratings
This is a breakdown of current ratings and target prices for Oportun Financial and Katapult, as provided by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Oportun Financial | 0 | 3 | 2 | 0 | 2.40 |
| Katapult | 1 | 0 | 0 | 0 | 1.00 |
Oportun Financial currently has a consensus price target of $7.75, suggesting a potential downside of 14.65%. Given Oportun Financial’s stronger consensus rating and higher possible upside, equities analysts plainly believe Oportun Financial is more favorable than Katapult.
Insider and Institutional Ownership
82.7% of Oportun Financial shares are held by institutional investors. Comparatively, 26.8% of Katapult shares are held by institutional investors. 1.6% of Oportun Financial shares are held by company insiders. Comparatively, 8.0% of Katapult shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company is poised for long-term growth.
Earnings & Valuation
This table compares Oportun Financial and Katapult”s gross revenue, earnings per share (EPS) and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Oportun Financial | $395.98 million | 1.05 | $25.25 million | $0.40 | 22.70 |
| Katapult | $291.76 million | 0.11 | $1.37 million | $1.37 | 4.69 |
Oportun Financial has higher revenue and earnings than Katapult. Katapult is trading at a lower price-to-earnings ratio than Oportun Financial, indicating that it is currently the more affordable of the two stocks.
Risk and Volatility
Oportun Financial has a beta of 1.25, meaning that its share price is 25% more volatile than the S&P 500. Comparatively, Katapult has a beta of 1.68, meaning that its share price is 68% more volatile than the S&P 500.
Profitability
This table compares Oportun Financial and Katapult’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Oportun Financial | 2.05% | 13.41% | 1.66% |
| Katapult | 3.60% | -26.41% | 10.86% |
Summary
Oportun Financial beats Katapult on 9 of the 14 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 Katapult
Katapult Holdings, Inc., an e-commerce focused financial technology company, provides e-commerce point-of-sale lease-purchase options for nonprime consumers in the United States. The company's technology platform provides nonprime consumers with a lease purchase option to enable them to obtain durable goods from its network of e-commerce retailers. It also offers Katapult Pay, a one-time use virtual card technology that makes lease purchasing and transactions. The company was formerly known as Cognical Holdings, Inc. and changed its name to Katapult Holdings, Inc. in February 2020. The company is headquartered in Plano, Texas.
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