Orion Digital (NASDAQ:ORIO – Get Free Report) and First Horizon (NYSE:FHN – Get Free Report) are both finance companies, but which is the better business? We will contrast the two companies based on the strength of their earnings, institutional ownership, profitability, dividends, analyst recommendations, risk and valuation.
Analyst Ratings
This is a summary of recent ratings and target prices for Orion Digital and First Horizon, as provided by MarketBeat.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Orion Digital | 1 | 1 | 0 | 0 | 1.50 |
| First Horizon | 1 | 12 | 9 | 0 | 2.36 |
First Horizon has a consensus price target of $27.33, indicating a potential upside of 14.38%. Given First Horizon’s stronger consensus rating and higher possible upside, analysts clearly believe First Horizon is more favorable than Orion Digital.
Volatility & Risk
Insider & Institutional Ownership
14.8% of Orion Digital shares are owned by institutional investors. Comparatively, 80.3% of First Horizon shares are owned by institutional investors. 12.3% of Orion Digital shares are owned by insiders. Comparatively, 0.9% of First Horizon shares are owned by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company will outperform the market over the long term.
Earnings & Valuation
This table compares Orion Digital and First Horizon”s gross revenue, earnings per share and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Orion Digital | $49.11 million | 0.50 | -$6.11 million | ($0.50) | -2.07 |
| First Horizon | $5.00 billion | 2.27 | $982.00 million | $2.09 | 11.43 |
First Horizon has higher revenue and earnings than Orion Digital. Orion Digital is trading at a lower price-to-earnings ratio than First Horizon, indicating that it is currently the more affordable of the two stocks.
Profitability
This table compares Orion Digital and First Horizon’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Orion Digital | -24.49% | -6.17% | -2.56% |
| First Horizon | 21.12% | 12.06% | 1.26% |
Summary
First Horizon beats Orion Digital on 12 of the 14 factors compared between the two stocks.
About Orion Digital
Mogo Inc. operates as a financial technology company in Canada and internationally. The company provides digital solutions to the consumers to get in control of their financial health. It offers Mogo app to access a digital spending account with Mogo Visa Platinum Prepaid Card; MogoCrypto that enables the buying and selling of bitcoin; MogoProtect, a free ID fraud protection and monthly credit score monitoring; MogoMortgage, a digital mortgage experience; and MogoMoney that provides access to personal loans. The company also offers Mogo Trade, a free stock trading platform with real-time stock quotes and funding; and Mogo Ventures to manage its existing investments in strategic partners and companies. In addition, it operates Carta, a digital payments software platform that enable financial technology companies, banks, and corporations to issue payment products to consumers via multiple channels, including physical, virtual, and tokenized cards, as well as payment switching and routing services. Mogo Inc. was founded in 2003 and is headquartered in Vancouver, Canada.
About First Horizon
First Horizon Corporation operates as the bank holding company for First Horizon Bank that provides various financial services. The company operates through Regional Banking and Specialty Banking segments. It offers general banking services for consumers, businesses, financial institutions, and governments. The company also accepts deposits; provides underwriting services for bank-eligible securities and other fixed-income securities by financial subsidiaries; sells loans and derivatives; financial planning; and offers investment and financial advisory services. In addition, it offers mortgage banking; loan syndications; brokerage services; commercial and business banking for business enterprises, consumer banking, and private client and wealth management services; capital markets, professional commercial real estate, mortgage warehouse and asset-based lending, franchise and equipment finance, tax credit finance, energy and healthcare finance, asset management, and corporate and correspondent banking services. Further, the company provides transaction processing services including check clearing services and remittance processing, credit cards, investment, and sale of mutual fund and retail insurances, as well as trust, fiduciary, and agency services. First Horizon Corporation was founded in 1864 and is headquartered in Memphis, Tennessee.
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