OppFi Inc (OPFI)vsVisa Inc. Class A (V)
OPFI
OppFi Inc
$7.91
-0.63%
FINANCIAL SERVICES · Cap: $687.45M
V
Visa Inc. Class A
$304.91
+0.38%
FINANCIAL SERVICES · Cap: $585.66B
Smart Verdict
WallStSmart Research — data-driven comparison
Visa Inc. Class A generates 12009% more annual revenue ($41.39B vs $341.81M). V leads profitability with a 50.2% profit margin vs 7.7%. OPFI trades at a lower P/E of 8.0x. V earns a higher WallStSmart Score of 68/100 (B-).
OPFI
Buy62
out of 100
Grade: C+
V
Strong Buy68
out of 100
Grade: B-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+81.0%
Fair Value
$46.33
Current Price
$7.91
$38.42 discount
Margin of Safety
+17.4%
Fair Value
$369.26
Current Price
$304.91
$64.35 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Every $100 of equity generates 54 in profit
Strong operational efficiency at 40.6%
Safe zone — low bankruptcy risk
Mega-cap, among the largest globally
Every $100 of equity generates 54 in profit
Keeps 50 of every $100 in revenue as profit
Strong operational efficiency at 68.3%
Generating 6.4B in free cash flow
Areas to Watch
2.7% earnings growth
Smaller company, higher risk/reward
7.7% margin — thin
Elevated debt levels
Expensive relative to growth rate
Moderate valuation
Trading at 15.2x book value
Grey zone — moderate risk
Comparative Analysis Report
WallStSmart ResearchBull Case : OPFI
The strongest argument for OPFI centers on P/E Ratio, Return on Equity, Operating Margin.
Bull Case : V
The strongest argument for V centers on Market Cap, Return on Equity, Profit Margin. Profitability is solid with margins at 50.2% and operating margin at 68.3%. Revenue growth of 14.6% demonstrates continued momentum.
Bear Case : OPFI
The primary concerns for OPFI are EPS Growth, Market Cap, Profit Margin. Debt-to-equity of 6.73 is elevated, increasing financial risk.
Bear Case : V
The primary concerns for V are PEG Ratio, P/E Ratio, Price/Book.
Key Dynamics to Monitor
OPFI profiles as a value stock while V is a mature play — different risk/reward profiles.
OPFI carries more volatility with a beta of 1.76 — expect wider price swings.
V is growing revenue faster at 14.6% — sustainability is the question.
V generates stronger free cash flow (6.4B), providing more financial flexibility.
Bottom Line
V scores higher overall (68/100 vs 62/100), backed by strong 50.2% margins and 14.6% revenue growth. OPFI offers better value entry with a 81.0% margin of safety. 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 focused on providing consumer lending solutions tailored for the underbanked demographic. Utilizing its innovative proprietary platform, the company enhances financial accessibility through fair and transparent loan offerings, supported by advanced data analytics and machine learning for precise credit assessments. OppFi's commitment to responsible lending and continuous innovation in the fintech landscape positions it favorably for growth, enabling it to seize emerging market opportunities while promoting the financial wellness of its customers. As a publicly traded entity, OppFi is dedicated to advancing financial empowerment and accessibility for those historically underserved by traditional banking systems.
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.
Visit Website →Compare with Other CREDIT SERVICES Stocks
Want to dig deeper into these stocks?