Capital One Financial Corporation (COF)vsOpen Lending Corp (LPRO)
COF
Capital One Financial Corporation
$180.67
-1.38%
FINANCIAL SERVICES · Cap: $114.40B
LPRO
Open Lending Corp
$2.11
-5.80%
FINANCIAL SERVICES · Cap: $249.44M
Smart Verdict
WallStSmart Research — data-driven comparison
Capital One Financial Corporation generates 40555% more annual revenue ($36.31B vs $89.31M). COF leads profitability with a 8.9% profit margin vs -6.0%. COF earns a higher WallStSmart Score of 65/100 (C+).
COF
Buy65
out of 100
Grade: C+
LPRO
Avoid22
out of 100
Grade: F
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Growing faster than its price suggests
Reasonable price relative to book value
Revenue surging 46.3% year-over-year
Large-cap with strong market position
Strong operational efficiency at 28.6%
Generating 5.5B in free cash flow
No standout strengths identified
Areas to Watch
ROE of 2.9% — below average capital efficiency
Weak financial health signals
Premium valuation, high expectations priced in
Earnings declined 3.2%
Smaller company, higher risk/reward
Elevated debt levels
ROE of -7.0% — below average capital efficiency
Revenue declined 16.0%
Comparative Analysis Report
WallStSmart ResearchBull Case : COF
The strongest argument for COF centers on PEG Ratio, Price/Book, Revenue Growth. Revenue growth of 46.3% demonstrates continued momentum. PEG of 0.20 suggests the stock is reasonably priced for its growth.
Bull Case : LPRO
LPRO has a balanced fundamental profile.
Bear Case : COF
The primary concerns for COF are Return on Equity, Piotroski F-Score, P/E Ratio. A P/E of 56.6x leaves little room for execution misses.
Bear Case : LPRO
The primary concerns for LPRO are Market Cap, Debt/Equity, Return on Equity.
Key Dynamics to Monitor
COF profiles as a hypergrowth stock while LPRO is a turnaround play — different risk/reward profiles.
LPRO carries more volatility with a beta of 2.27 — expect wider price swings.
COF is growing revenue faster at 46.3% — sustainability is the question.
COF generates stronger free cash flow (5.5B), providing more financial flexibility.
Bottom Line
COF scores higher overall (65/100 vs 22/100) and 46.3% revenue growth. Both earn "Buy" and "Avoid" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Capital One Financial Corporation
FINANCIAL SERVICES · CREDIT SERVICES · USA
Capital One Financial Corporation is an American bank holding company specializing in credit cards, auto loans, banking, and savings accounts, headquartered in McLean, Virginia with operations primarily in the United States.
Open Lending Corp
FINANCIAL SERVICES · CREDIT SERVICES · USA
Open Lending Corporation provides loan enablement and risk analysis solutions to credit unions, regional banks, and captive OEM finance companies in the United States. The company is headquartered in Austin, Texas.
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