OppFi Inc (OPFI)vsPayPal Holdings Inc (PYPL)
OPFI
OppFi Inc
$9.28
+5.62%
FINANCIAL SERVICES · Cap: $1.21B
PYPL
PayPal Holdings Inc
$44.29
+4.51%
FINANCIAL SERVICES · Cap: $37.47B
Smart Verdict
WallStSmart Research — data-driven comparison
PayPal Holdings Inc generates 9821% more annual revenue ($33.73B vs $340.04M). OPFI leads profitability with a 19.4% profit margin vs 15.0%. OPFI trades at a lower P/E of 4.2x. PYPL earns a higher WallStSmart Score of 72/100 (B).
OPFI
Buy55
out of 100
Grade: C-
PYPL
Strong Buy72
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Every $100 of equity generates 87 in profit
Strong operational efficiency at 44.9%
Earnings expanding 266.4% YoY
Attractively priced relative to earnings
Every $100 of equity generates 25 in profit
Growing faster than its price suggests
Reasonable price relative to book value
Areas to Watch
Smaller company, higher risk/reward
Weak financial health signals
Revenue declined 2.2%
Elevated debt levels
Distress zone — elevated risk
Earnings declined 6.2%
Comparative Analysis Report
WallStSmart ResearchBull 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%.
Bull Case : PYPL
The strongest argument for PYPL centers on P/E Ratio, Return on Equity, PEG Ratio. PEG of 0.77 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. Debt-to-equity of 3.98 is elevated, increasing financial risk.
Bear Case : PYPL
The primary concerns for PYPL are 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 1.81 — expect wider price swings.
PYPL is growing revenue faster at 7.2% — sustainability is the question.
PYPL generates stronger free cash flow (911M), providing more financial flexibility.
Bottom Line
PYPL scores higher overall (72/100 vs 55/100). 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.
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.
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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