WallStSmart

Bank of America Corp (BAC)vsOppFi Inc (OPFI)

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Smart Verdict

WallStSmart Research — data-driven comparison

Bank of America Corp generates 36127% more annual revenue ($114.87B vs $317.10M). OPFI leads profitability with a 29.8% profit margin vs 28.1%. OPFI trades at a lower P/E of 2.7x. BAC earns a higher WallStSmart Score of 72/100 (B).

BAC

Strong Buy

72

out of 100

Grade: B

Growth: 4.7Profit: 7.5Value: 7.7Quality: 4.0
Piotroski: 6/9Altman Z: -0.29

OPFI

Buy

57

out of 100

Grade: C

Growth: 3.3Profit: 9.5Value: 6.7Quality: 7.5
Piotroski: 3/9Altman Z: 3.70

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

BAC6 strengths · Avg: 9.5/10
Market CapQuality
$345.08B10/10

Mega-cap, among the largest globally

P/E RatioValuation
11.9x10/10

Attractively priced relative to earnings

Price/BookValuation
1.3x10/10

Reasonable price relative to book value

Operating MarginProfitability
31.3%10/10

Strong operational efficiency at 31.3%

Profit MarginProfitability
28.1%9/10

Keeps 28 of every $100 in revenue as profit

PEG RatioValuation
0.918/10

Growing faster than its price suggests

OPFI6 strengths · Avg: 9.7/10
P/E RatioValuation
2.7x10/10

Attractively priced relative to earnings

Price/BookValuation
1.1x10/10

Reasonable price relative to book value

Operating MarginProfitability
44.1%10/10

Strong operational efficiency at 44.1%

Altman Z-ScoreHealth
3.7010/10

Safe zone — low bankruptcy risk

Return on EquityProfitability
21.3%9/10

Every $100 of equity generates 21 in profit

Profit MarginProfitability
29.8%9/10

Keeps 30 of every $100 in revenue as profit

Areas to Watch

BAC4 concerns · Avg: 2.3/10
Debt/EquityHealth
1.283/10

Elevated debt levels

EPS GrowthGrowth
-14.3%2/10

Earnings declined 14.3%

Free Cash FlowQuality
$-6.50B2/10

Negative free cash flow — burning cash

Altman Z-ScoreHealth
-0.292/10

Distress zone — elevated risk

OPFI4 concerns · Avg: 2.5/10
Market CapQuality
$497.62M3/10

Smaller company, higher risk/reward

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Revenue GrowthGrowth
-11.0%2/10

Revenue declined 11.0%

EPS GrowthGrowth
-48.0%2/10

Earnings declined 48.0%

Comparative Analysis Report

WallStSmart Research

Bull Case : BAC

The strongest argument for BAC centers on Market Cap, P/E Ratio, Price/Book. Profitability is solid with margins at 28.1% and operating margin at 31.3%. PEG of 0.91 suggests the stock is reasonably priced for its growth.

Bull 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%.

Bear Case : BAC

The primary concerns for BAC are Debt/Equity, EPS Growth, Free Cash Flow.

Bear Case : OPFI

The primary concerns for OPFI are Market Cap, Piotroski F-Score, Revenue Growth.

Key Dynamics to Monitor

BAC profiles as a mature stock while OPFI is a declining play — different risk/reward profiles.

OPFI carries more volatility with a beta of 1.93 — expect wider price swings.

BAC is growing revenue faster at 7.1% — sustainability is the question.

OPFI generates stronger free cash flow (85M), providing more financial flexibility.

Bottom Line

BAC scores higher overall (72/100 vs 57/100), backed by strong 28.1% 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.

Bank of America Corp

FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA

The Bank of America Corporation is an American multinational investment bank and financial services holding company headquartered in Charlotte, North Carolina. Founded in San Francisco, Bank of America was formed through NationsBank's acquisition of BankAmerica in 1998. It is the second largest banking institution in the United States, after JPMorgan Chase, and the eighth largest bank in the world. Bank of America is one of the Big Four banking institutions of the United States. It services approximately 10 percent of all American bank deposits, in direct competition with JPMorgan Chase, Citigroup and Wells Fargo. Its primary financial services revolve around commercial banking, wealth management, and investment banking.

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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.

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