Capital One Financial Corporation (COF)vsOppFi Inc (OPFI)
COF
Capital One Financial Corporation
$193.60
-1.78%
FINANCIAL SERVICES · Cap: $125.67B
OPFI
OppFi Inc
$5.91
-1.17%
FINANCIAL SERVICES · Cap: $497.62M
Smart Verdict
WallStSmart Research — data-driven comparison
Capital One Financial Corporation generates 15319% more annual revenue ($48.89B vs $317.10M). OPFI leads profitability with a 29.8% profit margin vs 22.2%. OPFI trades at a lower P/E of 2.7x. COF earns a higher WallStSmart Score of 75/100 (B).
COF
Strong Buy75
out of 100
Grade: B
OPFI
Buy57
out of 100
Grade: C
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Growing faster than its price suggests
Reasonable price relative to book value
Strong operational efficiency at 37.8%
Large-cap with strong market position
Keeps 22 of every $100 in revenue as profit
Attractively priced relative to earnings
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 44.1%
Safe zone — low bankruptcy risk
Every $100 of equity generates 21 in profit
Keeps 30 of every $100 in revenue as profit
Areas to Watch
Weak financial health signals
Distress zone — elevated risk
Smaller company, higher risk/reward
Weak financial health signals
Revenue declined 11.0%
Earnings declined 48.0%
Comparative Analysis Report
WallStSmart ResearchBull Case : COF
The strongest argument for COF centers on PEG Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 22.2% and operating margin at 37.8%. PEG of 0.18 suggests the stock is reasonably priced for its growth.
Bull Case : OPFI
The strongest argument for OPFI centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 29.8% and operating margin at 44.1%.
Bear Case : COF
The primary concerns for COF are Piotroski F-Score, Altman Z-Score.
Bear Case : OPFI
The primary concerns for OPFI are Market Cap, Piotroski F-Score, Revenue Growth.
Key Dynamics to Monitor
COF profiles as a mature stock while OPFI is a declining play — different risk/reward profiles.
OPFI carries more volatility with a beta of 1.93 — expect wider price swings.
COF is growing revenue faster at 6.2% — sustainability is the question.
COF generates stronger free cash flow (5.3B), providing more financial flexibility.
Bottom Line
COF scores higher overall (75/100 vs 57/100), backed by strong 22.2% margins. Both earn "Strong 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.
Capital One Financial Corporation
FINANCIAL SERVICES · CREDIT SERVICES · USA
Capital One Financial Corporation is an American bank holding company specializing in credit cards, auto loans, banking, and savings accounts, headquartered in McLean, Virginia with operations primarily in the United States.
OppFi Inc
FINANCIAL SERVICES · CREDIT SERVICES · USA
OppFi Inc. is a leading financial technology company specializing in innovative consumer lending solutions for the underbanked population. Utilizing its proprietary platform and advanced data analytics, OppFi delivers fair and transparent loan products that emphasize responsible lending through precise credit assessments driven by machine learning. The company's strong commitment to improving financial accessibility, combined with its focus on growth within the dynamic fintech sector, positions it well for future expansion and enhances its competitive edge in a rapidly evolving market. As a publicly traded firm, OppFi is poised to capitalize on emerging opportunities while maintaining its mission of empowering customers through tailored financial solutions.
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