OppFi Inc (OPFI)vsPayPal Holdings Inc (PYPL)
OPFI
OppFi Inc
$5.91
-1.17%
FINANCIAL SERVICES · Cap: $497.62M
PYPL
PayPal Holdings Inc
$58.30
-1.98%
FINANCIAL SERVICES · Cap: $49.88B
Smart Verdict
WallStSmart Research — data-driven comparison
PayPal Holdings Inc generates 10715% more annual revenue ($34.29B vs $317.10M). OPFI leads profitability with a 29.8% profit margin vs 13.8%. OPFI trades at a lower P/E of 2.7x. PYPL earns a higher WallStSmart Score of 65/100 (C+).
OPFI
Buy57
out of 100
Grade: C
PYPL
Buy65
out of 100
Grade: C+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
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
Attractively priced relative to earnings
Every $100 of equity generates 24 in profit
Growing faster than its price suggests
Reasonable price relative to book value
Generating 1.4B in free cash flow
Areas to Watch
Smaller company, higher risk/reward
Weak financial health signals
Revenue declined 11.0%
Earnings declined 48.0%
2.0% revenue growth
Distress zone — elevated risk
Earnings declined 3.8%
Comparative Analysis Report
WallStSmart ResearchBull 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%.
Bull Case : PYPL
The strongest argument for PYPL centers on P/E Ratio, Return on Equity, PEG Ratio. PEG of 0.95 suggests the stock is reasonably priced for its growth.
Bear Case : OPFI
The primary concerns for OPFI are Market Cap, Piotroski F-Score, Revenue Growth.
Bear Case : PYPL
The primary concerns for PYPL are Revenue Growth, Altman Z-Score, EPS Growth.
Key Dynamics to Monitor
OPFI profiles as a declining stock while PYPL is a value play — different risk/reward profiles.
OPFI carries more volatility with a beta of 1.93 — expect wider price swings.
PYPL is growing revenue faster at 2.0% — sustainability is the question.
PYPL generates stronger free cash flow (1.4B), providing more financial flexibility.
Bottom Line
PYPL scores higher overall (65/100 vs 57/100). Both earn "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.
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.
PayPal Holdings Inc
FINANCIAL SERVICES · CREDIT SERVICES · USA
PayPal Holdings, Inc. is an American company operating an online payments system in the majority of countries that support online money transfers, and serves as an electronic alternative to traditional paper methods like checks and money orders. The company operates as a payment processor for online vendors, auction sites, and many other commercial users, for which it charges a fee.
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