Capital One Financial Corporation (COF)vsOppFi Inc (OPFI)
COF
Capital One Financial Corporation
$200.20
+1.83%
FINANCIAL SERVICES · Cap: $120.30B
OPFI
OppFi Inc
$6.28
+0.64%
FINANCIAL SERVICES · Cap: $662.92M
Smart Verdict
WallStSmart Research — data-driven comparison
Capital One Financial Corporation generates 14591% more annual revenue ($48.11B vs $327.48M). OPFI leads profitability with a 31.1% profit margin vs 21.9%. OPFI trades at a lower P/E of 2.6x. COF earns a higher WallStSmart Score of 75/100 (B).
COF
Strong Buy75
out of 100
Grade: B
OPFI
Buy64
out of 100
Grade: C+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Growing faster than its price suggests
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 33.6%
Revenue surging 1111.0% year-over-year
Large-cap with strong market position
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 31 of every $100 in revenue as profit
Strong operational efficiency at 31.2%
Earnings expanding 266.4% YoY
Every $100 of equity generates 25 in profit
Areas to Watch
Weak financial health signals
Earnings declined 3.2%
Distress zone — elevated risk
Smaller company, higher risk/reward
Weak financial health signals
Revenue declined 13.9%
Comparative Analysis Report
WallStSmart ResearchBull Case : COF
The strongest argument for COF centers on PEG Ratio, P/E Ratio, Price/Book. Profitability is solid with margins at 21.9% and operating margin at 33.6%. Revenue growth of 1111.0% demonstrates continued momentum.
Bull Case : OPFI
The strongest argument for OPFI centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 31.1% and operating margin at 31.2%.
Bear Case : COF
The primary concerns for COF are Piotroski F-Score, EPS Growth, Altman Z-Score.
Bear Case : OPFI
The primary concerns for OPFI are Market Cap, Piotroski F-Score, Revenue Growth.
Key Dynamics to Monitor
COF profiles as a growth stock while OPFI is a declining play — different risk/reward profiles.
OPFI carries more volatility with a beta of 1.78 — expect wider price swings.
COF is growing revenue faster at 1111.0% — sustainability is the question.
COF generates stronger free cash flow (7.9B), providing more financial flexibility.
Bottom Line
COF scores higher overall (75/100 vs 64/100), backed by strong 21.9% margins and 1111.0% 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.
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 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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