WallStSmart

Capital One Financial Corporation (COF)vsOportun Financial Corp (OPRT)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Capital One Financial Corporation generates 4891% more annual revenue ($36.31B vs $727.47M). COF leads profitability with a 8.9% profit margin vs 2.5%. OPRT trades at a lower P/E of 13.3x. COF earns a higher WallStSmart Score of 65/100 (C+).

COF

Buy

65

out of 100

Grade: C+

Growth: 7.3Profit: 6.0Value: 5.7Quality: 4.0
Piotroski: 2/9Altman Z: -0.36

OPRT

Hold

41

out of 100

Grade: D

Growth: 2.7Profit: 4.0Value: 6.0Quality: 5.5
Piotroski: 6/9Altman Z: 0.26

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

COF6 strengths · Avg: 9.2/10
PEG RatioValuation
0.2010/10

Growing faster than its price suggests

Price/BookValuation
1.0x10/10

Reasonable price relative to book value

Revenue GrowthGrowth
46.3%10/10

Revenue surging 46.3% year-over-year

Market CapQuality
$114.40B9/10

Large-cap with strong market position

Operating MarginProfitability
28.6%8/10

Strong operational efficiency at 28.6%

Free Cash FlowQuality
$5.47B8/10

Generating 5.5B in free cash flow

OPRT2 strengths · Avg: 9.0/10
Price/BookValuation
0.6x10/10

Reasonable price relative to book value

P/E RatioValuation
13.3x8/10

Attractively priced relative to earnings

Areas to Watch

COF4 concerns · Avg: 2.5/10
Return on EquityProfitability
2.9%3/10

ROE of 2.9% — below average capital efficiency

Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

P/E RatioValuation
56.6x2/10

Premium valuation, high expectations priced in

EPS GrowthGrowth
-3.2%2/10

Earnings declined 3.2%

OPRT4 concerns · Avg: 3.3/10
Revenue GrowthGrowth
1.3%4/10

1.3% revenue growth

Market CapQuality
$225.03M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
4.5%3/10

ROE of 4.5% — below average capital efficiency

Profit MarginProfitability
2.5%3/10

2.5% margin — thin

Comparative Analysis Report

WallStSmart Research

Bull Case : COF

The strongest argument for COF centers on PEG Ratio, Price/Book, Revenue Growth. Revenue growth of 46.3% demonstrates continued momentum. PEG of 0.20 suggests the stock is reasonably priced for its growth.

Bull Case : OPRT

The strongest argument for OPRT centers on Price/Book, P/E Ratio.

Bear Case : COF

The primary concerns for COF are Return on Equity, Piotroski F-Score, P/E Ratio. A P/E of 56.6x leaves little room for execution misses.

Bear Case : OPRT

The primary concerns for OPRT are Revenue Growth, Market Cap, Return on Equity. Debt-to-equity of 6.87 is elevated, increasing financial risk. Thin 2.5% margins leave little buffer for downturns.

Key Dynamics to Monitor

COF profiles as a hypergrowth stock while OPRT is a value play — different risk/reward profiles.

OPRT carries more volatility with a beta of 1.25 — expect wider price swings.

COF is growing revenue faster at 46.3% — sustainability is the question.

COF generates stronger free cash flow (5.5B), providing more financial flexibility.

Bottom Line

COF scores higher overall (65/100 vs 41/100) and 46.3% revenue growth. Both earn "Buy" and "Hold" 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.

Oportun Financial Corp

FINANCIAL SERVICES · CREDIT SERVICES · USA

Oportun Financial Corporation offers financial services in the United States. The company is headquartered in San Carlos, California.

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