OppFi Inc (OPFI)vsVisa Inc. Class A (V)
OPFI
OppFi Inc
$5.91
-1.17%
FINANCIAL SERVICES · Cap: $497.62M
V
Visa Inc. Class A
$420.33
-1.23%
FINANCIAL SERVICES · Cap: $773.00B
Smart Verdict
WallStSmart Research — data-driven comparison
Visa Inc. Class A generates 14376% more annual revenue ($45.90B vs $317.10M). V leads profitability with a 51.2% profit margin vs 29.8%. OPFI trades at a lower P/E of 2.7x. V earns a higher WallStSmart Score of 70/100 (B).
OPFI
Buy57
out of 100
Grade: C
V
Strong Buy70
out of 100
Grade: B
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
Mega-cap, among the largest globally
Every $100 of equity generates 65 in profit
Keeps 51 of every $100 in revenue as profit
Strong operational efficiency at 63.7%
Earnings expanding 21.9% YoY
Generating 6.9B in free cash flow
Areas to Watch
Smaller company, higher risk/reward
Weak financial health signals
Revenue declined 11.0%
Earnings declined 48.0%
Expensive relative to growth rate
Premium valuation, high expectations priced in
Trading at 21.6x book value
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 : V
The strongest argument for V centers on Market Cap, Return on Equity, Profit Margin. Profitability is solid with margins at 51.2% and operating margin at 63.7%. Revenue growth of 13.2% demonstrates continued momentum.
Bear Case : OPFI
The primary concerns for OPFI are Market Cap, Piotroski F-Score, Revenue Growth.
Bear Case : V
The primary concerns for V are PEG Ratio, P/E Ratio, Price/Book.
Key Dynamics to Monitor
OPFI profiles as a declining stock while V is a mature play — different risk/reward profiles.
OPFI carries more volatility with a beta of 1.93 — expect wider price swings.
V is growing revenue faster at 13.2% — sustainability is the question.
V generates stronger free cash flow (6.9B), providing more financial flexibility.
Bottom Line
V scores higher overall (70/100 vs 57/100), backed by strong 51.2% margins and 13.2% revenue growth. 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 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.
Visa Inc. Class A
FINANCIAL SERVICES · CREDIT SERVICES · USA
Visa Inc. is an American multinational financial services corporation headquartered in Foster City, California, United States. It facilitates electronic funds transfers throughout the world, most commonly through Visa-branded credit cards, debit cards and prepaid cards. Visa is one of the world's most valuable companies.
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