Capital One Financial Corporation (COF)vsOppFi Inc (OPFI)
COF
Capital One Financial Corporation
$185.23
+0.32%
FINANCIAL SERVICES · Cap: $112.86B
OPFI
OppFi Inc
$7.91
-0.63%
FINANCIAL SERVICES · Cap: $687.45M
Smart Verdict
WallStSmart Research — data-driven comparison
Capital One Financial Corporation generates 9490% more annual revenue ($32.78B vs $341.81M). OPFI leads profitability with a 7.7% profit margin vs 7.5%. OPFI trades at a lower P/E of 8.0x. COF earns a higher WallStSmart Score of 75/100 (B+).
COF
Strong Buy75
out of 100
Grade: B+
OPFI
Buy62
out of 100
Grade: C+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-50.8%
Fair Value
$142.20
Current Price
$185.23
$43.03 premium
Margin of Safety
+81.0%
Fair Value
$46.33
Current Price
$7.91
$38.42 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Growing faster than its price suggests
Reasonable price relative to book value
Revenue surging 51.6% year-over-year
Large-cap with strong market position
Strong operational efficiency at 22.9%
Earnings expanding 22.2% YoY
Attractively priced relative to earnings
Every $100 of equity generates 54 in profit
Strong operational efficiency at 40.6%
Safe zone — low bankruptcy risk
Areas to Watch
ROE of 2.4% — below average capital efficiency
7.5% margin — thin
Premium valuation, high expectations priced in
2.7% earnings growth
Smaller company, higher risk/reward
7.7% margin — thin
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : COF
The strongest argument for COF centers on PEG Ratio, Price/Book, Revenue Growth. Revenue growth of 51.6% demonstrates continued momentum. PEG of 0.19 suggests the stock is reasonably priced for its growth.
Bull Case : OPFI
The strongest argument for OPFI centers on P/E Ratio, Return on Equity, Operating Margin.
Bear Case : COF
The primary concerns for COF are Return on Equity, Profit Margin, P/E Ratio. A P/E of 54.0x leaves little room for execution misses.
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.
Key Dynamics to Monitor
COF profiles as a hypergrowth stock while OPFI is a value play — different risk/reward profiles.
OPFI carries more volatility with a beta of 1.76 — expect wider price swings.
COF is growing revenue faster at 51.6% — sustainability is the question.
COF generates stronger free cash flow (6.7B), providing more financial flexibility.
Bottom Line
COF scores higher overall (75/100 vs 62/100) and 51.6% 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.
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.
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.
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