First Horizon (NYSE:FHN) vs. Orion Digital (NASDAQ:ORIO) Financial Comparison

First Horizon (NYSE:FHN) and Orion Digital (NASDAQ:ORIO) are both finance companies, but which is the better business? We will compare the two businesses based on the strength of their institutional ownership, profitability, valuation, analyst recommendations, earnings, risk and dividends.

Valuation & Earnings

This table compares First Horizon and Orion Digital”s top-line revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
First Horizon	$3.42 billion	3.37	$982.00 million	$2.09	11.65
Orion Digital	$68.07 million	0.35	-$6.11 million	($0.50)	-2.02

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.

Institutional and Insider Ownership

80.3% of First Horizon shares are owned by institutional investors. Comparatively, 14.8% of Orion Digital shares are owned by institutional investors. 0.9% of First Horizon shares are owned by company insiders. Comparatively, 12.3% of Orion Digital shares are owned by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock is poised for long-term growth.

Risk & Volatility

First Horizon has a beta of 0.6, indicating that its stock price is 40% less volatile than the S&P 500. Comparatively, Orion Digital has a beta of 2.55, indicating that its stock price is 155% more volatile than the S&P 500.

Profitability

This table compares First Horizon and Orion Digital’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
First Horizon	21.12%	12.06%	1.26%
Orion Digital	-24.49%	-6.17%	-2.56%

Analyst Recommendations

This is a summary of current ratings and target prices for First Horizon and Orion Digital, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
First Horizon	1	11	9	0	2.38
Orion Digital	1	1	0	0	1.50

First Horizon presently has a consensus target price of $27.45, suggesting a potential upside of 12.75%. Given First Horizon’s stronger consensus rating and higher probable upside, equities analysts clearly believe First Horizon is more favorable than Orion Digital.

Summary

First Horizon beats Orion Digital on 12 of the 14 factors compared between the two stocks.

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.

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.