OppFi Inc (OPFI)vsVisa Inc. Class A (V)
OPFI
OppFi Inc
$9.28
+5.62%
FINANCIAL SERVICES · Cap: $1.21B
V
Visa Inc. Class A
$336.23
+1.73%
FINANCIAL SERVICES · Cap: $639.42B
Smart Verdict
WallStSmart Research — data-driven comparison
Visa Inc. Class A generates 12554% more annual revenue ($43.03B vs $340.04M). V leads profitability with a 51.7% profit margin vs 19.4%. OPFI trades at a lower P/E of 4.2x. V earns a higher WallStSmart Score of 74/100 (B).
OPFI
Buy55
out of 100
Grade: C-
V
Strong Buy74
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
Mega-cap, among the largest globally
Every $100 of equity generates 62 in profit
Keeps 52 of every $100 in revenue as profit
Strong operational efficiency at 67.3%
17.1% revenue growth
Earnings expanding 35.5% YoY
Areas to Watch
Smaller company, higher risk/reward
Weak financial health signals
Revenue declined 2.2%
Elevated debt levels
Moderate valuation
Trading at 18.0x 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. Profitability is solid with margins at 19.4% and operating margin at 44.9%.
Bull Case : V
The strongest argument for V centers on Market Cap, Return on Equity, Profit Margin. Profitability is solid with margins at 51.7% and operating margin at 67.3%. Revenue growth of 17.1% demonstrates continued momentum.
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 : V
The primary concerns for V are P/E Ratio, Price/Book, Altman Z-Score.
Key Dynamics to Monitor
OPFI profiles as a declining stock while V is a growth play — different risk/reward profiles.
OPFI carries more volatility with a beta of 1.81 — expect wider price swings.
V is growing revenue faster at 17.1% — sustainability is the question.
V generates stronger free cash flow (2.6B), providing more financial flexibility.
Bottom Line
V scores higher overall (74/100 vs 55/100), backed by strong 51.7% margins and 17.1% 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 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.
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?