Oportun Financial Corp (OPRT)vsPayPal Holdings Inc (PYPL)
OPRT
Oportun Financial Corp
$4.64
+1.09%
FINANCIAL SERVICES · Cap: $205.15M
PYPL
PayPal Holdings Inc
$44.85
+1.45%
FINANCIAL SERVICES · Cap: $41.37B
Smart Verdict
WallStSmart Research — data-driven comparison
PayPal Holdings Inc generates 4474% more annual revenue ($33.17B vs $725.18M). PYPL leads profitability with a 15.8% profit margin vs 3.5%. PYPL trades at a lower P/E of 8.2x. PYPL earns a higher WallStSmart Score of 78/100 (B+).
OPRT
Hold48
out of 100
Grade: D+
PYPL
Strong Buy78
out of 100
Grade: B+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-50.0%
Fair Value
$3.60
Current Price
$4.64
$1.04 premium
Margin of Safety
+82.3%
Fair Value
$253.19
Current Price
$44.85
$208.34 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Attractively priced relative to earnings
Every $100 of equity generates 26 in profit
Growing faster than its price suggests
Reasonable price relative to book value
Earnings expanding 39.4% YoY
Generating 2.2B in free cash flow
Areas to Watch
Smaller company, higher risk/reward
ROE of 6.8% — below average capital efficiency
3.5% margin — thin
Earnings declined 64.8%
3.7% revenue growth
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : OPRT
The strongest argument for OPRT centers on P/E Ratio, Price/Book.
Bull Case : PYPL
The strongest argument for PYPL centers on P/E Ratio, Return on Equity, PEG Ratio. Profitability is solid with margins at 15.8% and operating margin at 17.5%. PEG of 0.69 suggests the stock is reasonably priced for its growth.
Bear Case : OPRT
The primary concerns for OPRT are Market Cap, Return on Equity, Profit Margin. Debt-to-equity of 7.15 is elevated, increasing financial risk. Thin 3.5% margins leave little buffer for downturns.
Bear Case : PYPL
The primary concerns for PYPL are Revenue Growth, Altman Z-Score.
Key Dynamics to Monitor
PYPL carries more volatility with a beta of 1.46 — expect wider price swings.
OPRT is growing revenue faster at 7.1% — sustainability is the question.
PYPL generates stronger free cash flow (2.2B), providing more financial flexibility.
Monitor CREDIT SERVICES industry trends, competitive dynamics, and regulatory changes.
Bottom Line
PYPL scores higher overall (78/100 vs 48/100), backed by strong 15.8% margins. Both earn "Strong Buy" and "Hold" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Oportun Financial Corp
FINANCIAL SERVICES · CREDIT SERVICES · USA
Oportun Financial Corporation offers financial services in the United States. The company is headquartered in San Carlos, California.
Visit Website →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.
Visit Website →Compare with Other CREDIT SERVICES Stocks
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