OppFi Inc (OPFI)vsSynchrony Financial (SYF)
OPFI
OppFi Inc
$9.28
+5.62%
FINANCIAL SERVICES · Cap: $1.21B
SYF
Synchrony Financial
$78.66
+0.18%
FINANCIAL SERVICES · Cap: $25.67B
Smart Verdict
WallStSmart Research — data-driven comparison
Synchrony Financial generates 2809% more annual revenue ($9.89B vs $340.04M). SYF leads profitability with a 36.4% profit margin vs 19.4%. OPFI trades at a lower P/E of 4.2x. SYF earns a higher WallStSmart Score of 77/100 (B+).
OPFI
Buy55
out of 100
Grade: C-
SYF
Strong Buy77
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
Keeps 36 of every $100 in revenue as profit
Strong operational efficiency at 48.0%
Every $100 of equity generates 22 in profit
Reasonable price relative to book value
Earnings expanding 20.1% YoY
Areas to Watch
Smaller company, higher risk/reward
Weak financial health signals
Revenue declined 2.2%
Elevated debt levels
Expensive relative to growth rate
Distress zone — elevated risk
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 : SYF
The strongest argument for SYF centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 36.4% and operating margin at 48.0%.
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 : SYF
The primary concerns for SYF are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
OPFI profiles as a declining stock while SYF is a mature play — different risk/reward profiles.
OPFI carries more volatility with a beta of 1.81 — expect wider price swings.
SYF is growing revenue faster at 6.1% — sustainability is the question.
SYF generates stronger free cash flow (2.2B), providing more financial flexibility.
Bottom Line
SYF scores higher overall (77/100 vs 55/100), backed by strong 36.4% 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.
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.
Synchrony Financial
FINANCIAL SERVICES · CREDIT SERVICES · USA
Synchrony Financial is a consumer financial services company headquartered in Stamford, Connecticut, United States. The company offers consumer financing products, including credit, promotional financing and loyalty programs, installment lending to industries, and FDIC-insured consumer savings products through Synchrony Bank, its wholly owned online bank subsidiary.
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