Capital One Financial Corporation (COF)vsOportun Financial Corp (OPRT)
COF
Capital One Financial Corporation
$208.71
-1.74%
FINANCIAL SERVICES · Cap: $123.53B
OPRT
Oportun Financial Corp
$5.70
-0.70%
FINANCIAL SERVICES · Cap: $263.75M
Smart Verdict
WallStSmart Research — data-driven comparison
Capital One Financial Corporation generates 6513% more annual revenue ($48.11B vs $727.47M). COF leads profitability with a 21.9% profit margin vs 2.5%. OPRT trades at a lower P/E of 15.5x. COF earns a higher WallStSmart Score of 75/100 (B).
COF
Strong Buy75
out of 100
Grade: B
OPRT
Hold41
out of 100
Grade: D
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 33.6%
Revenue surging 46.3% year-over-year
Large-cap with strong market position
Keeps 22 of every $100 in revenue as profit
Reasonable price relative to book value
Attractively priced relative to earnings
Areas to Watch
ROE of 2.9% — below average capital efficiency
Weak financial health signals
Premium valuation, high expectations priced in
Earnings declined 3.2%
1.3% revenue growth
Smaller company, higher risk/reward
ROE of 4.5% — below average capital efficiency
2.5% margin — thin
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 21.9% and operating margin at 33.6%. Revenue growth of 46.3% demonstrates continued momentum.
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 63.3x 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 growth stock while OPRT is a value play — different risk/reward profiles.
OPRT carries more volatility with a beta of 1.23 — 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 (75/100 vs 41/100), backed by strong 21.9% margins and 46.3% revenue growth. Both earn "Strong 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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