Capital One Financial Corporation (COF)vsOportun Financial Corp (OPRT)
COF
Capital One Financial Corporation
$180.67
-1.38%
FINANCIAL SERVICES · Cap: $114.40B
OPRT
Oportun Financial Corp
$4.82
+2.12%
FINANCIAL SERVICES · Cap: $225.03M
Smart Verdict
WallStSmart Research — data-driven comparison
Capital One Financial Corporation generates 4891% more annual revenue ($36.31B vs $727.47M). COF leads profitability with a 8.9% profit margin vs 2.5%. OPRT trades at a lower P/E of 13.3x. COF earns a higher WallStSmart Score of 65/100 (C+).
COF
Buy65
out of 100
Grade: C+
OPRT
Hold41
out of 100
Grade: D
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
Reasonable price relative to book value
Attractively priced relative to earnings
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%
1.3% revenue growth
Smaller company, higher risk/reward
ROE of 4.5% — below average capital efficiency
2.5% margin — thin
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 : OPRT
The strongest argument for OPRT centers on Price/Book, P/E Ratio.
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 : OPRT
The primary concerns for OPRT are Revenue Growth, Market Cap, Return on Equity. Debt-to-equity of 6.87 is elevated, increasing financial risk. Thin 2.5% margins leave little buffer for downturns.
Key Dynamics to Monitor
COF profiles as a hypergrowth stock while OPRT is a value play — different risk/reward profiles.
OPRT carries more volatility with a beta of 1.25 — 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 41/100) and 46.3% revenue growth. Both earn "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.
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.
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.
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