Citigroup Inc. (C)vsOppFi Inc (OPFI)
C
Citigroup Inc.
$141.76
-2.22%
FINANCIAL SERVICES · Cap: $241.78B
OPFI
OppFi Inc
$9.28
+5.62%
FINANCIAL SERVICES · Cap: $1.21B
Smart Verdict
WallStSmart Research — data-driven comparison
Citigroup Inc. generates 23054% more annual revenue ($78.73B vs $340.04M). C leads profitability with a 20.4% profit margin vs 19.4%. OPFI trades at a lower P/E of 4.2x. C earns a higher WallStSmart Score of 82/100 (A-).
C
Exceptional Buy82
out of 100
Grade: A-
OPFI
Buy55
out of 100
Grade: C-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Mega-cap, among the largest globally
Reasonable price relative to book value
Strong operational efficiency at 34.1%
Earnings expanding 56.1% YoY
Keeps 20 of every $100 in revenue as profit
Growing faster than its price suggests
Attractively priced relative to earnings
Every $100 of equity generates 87 in profit
Strong operational efficiency at 44.9%
Earnings expanding 266.4% YoY
Areas to Watch
ROE of 7.6% — below average capital efficiency
Negative free cash flow — burning cash
Distress zone — elevated risk
Elevated debt levels
Smaller company, higher risk/reward
Weak financial health signals
Revenue declined 2.2%
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : C
The strongest argument for C centers on Market Cap, Price/Book, Operating Margin. Profitability is solid with margins at 20.4% and operating margin at 34.1%. Revenue growth of 15.9% demonstrates continued momentum.
Bull Case : OPFI
The strongest argument for OPFI centers on P/E Ratio, Return on Equity, Operating Margin. Profitability is solid with margins at 19.4% and operating margin at 44.9%.
Bear Case : C
The primary concerns for C are Return on Equity, Free Cash Flow, Altman Z-Score. Debt-to-equity of 3.55 is elevated, increasing financial risk.
Bear Case : OPFI
The primary concerns for OPFI are Market Cap, Piotroski F-Score, Revenue Growth. Debt-to-equity of 3.98 is elevated, increasing financial risk.
Key Dynamics to Monitor
C profiles as a growth stock while OPFI is a declining play — different risk/reward profiles.
OPFI carries more volatility with a beta of 1.81 — expect wider price swings.
C is growing revenue faster at 15.9% — sustainability is the question.
OPFI generates stronger free cash flow (86M), providing more financial flexibility.
Bottom Line
C scores higher overall (82/100 vs 55/100), backed by strong 20.4% margins and 15.9% revenue growth. Both earn "Exceptional Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Citigroup Inc.
FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA
Citigroup Inc. is an American multinational investment bank and financial services corporation headquartered in New York City. The company was formed by the merger of banking giant Citicorp and financial conglomerate Travelers Group in 1998; Travelers was subsequently spun off from the company in 2002. Citigroup owns Citicorp, the holding company for Citibank, as well as several international subsidiaries. Citigroup is incorporated in Delaware.
OppFi Inc
FINANCIAL SERVICES · CREDIT SERVICES · USA
OppFi Inc. is a premier financial technology firm focused on delivering tailored consumer lending solutions to the underbanked population. By leveraging its proprietary platform and advanced data analytics, OppFi provides fair and transparent loan products that feature precise credit assessments powered by machine learning. The company's commitment to responsible lending not only empowers its customers but also positions it favorably for growth within the evolving fintech sector. As a publicly traded entity, OppFi is dedicated to driving innovation and expanding its market presence, reinforcing its mission to improve financial accessibility.
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