JPMorgan Chase & Co (JPM)vsOppFi Inc (OPFI)
JPM
JPMorgan Chase & Co
$312.47
-0.24%
FINANCIAL SERVICES · Cap: $828.64B
OPFI
OppFi Inc
$9.51
0.00%
FINANCIAL SERVICES · Cap: $818.93M
Smart Verdict
WallStSmart Research — data-driven comparison
JPMorgan Chase & Co generates 50676% more annual revenue ($173.56B vs $341.81M). JPM leads profitability with a 33.9% profit margin vs 7.7%. OPFI trades at a lower P/E of 9.6x. JPM earns a higher WallStSmart Score of 73/100 (B).
JPM
Strong Buy73
out of 100
Grade: B
OPFI
Buy62
out of 100
Grade: C+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Mega-cap, among the largest globally
Keeps 34 of every $100 in revenue as profit
Strong operational efficiency at 43.0%
Generating 368.4B in free cash flow
Attractively priced relative to earnings
Reasonable price relative to book value
Attractively priced relative to earnings
Every $100 of equity generates 54 in profit
Strong operational efficiency at 40.6%
Earnings expanding 266.4% YoY
Safe zone — low bankruptcy risk
Areas to Watch
Expensive relative to growth rate
Elevated debt levels
Distress zone — elevated risk
Smaller company, higher risk/reward
7.7% margin — thin
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : JPM
The strongest argument for JPM centers on Market Cap, Profit Margin, Operating Margin. Profitability is solid with margins at 33.9% and operating margin at 43.0%. Revenue growth of 12.7% demonstrates continued momentum.
Bull Case : OPFI
The strongest argument for OPFI centers on P/E Ratio, Return on Equity, Operating Margin.
Bear Case : JPM
The primary concerns for JPM are PEG Ratio, Debt/Equity, Altman Z-Score.
Bear Case : OPFI
The primary concerns for OPFI are Market Cap, Profit Margin, Debt/Equity. Debt-to-equity of 6.73 is elevated, increasing financial risk.
Key Dynamics to Monitor
JPM profiles as a mature stock while OPFI is a value play — different risk/reward profiles.
OPFI carries more volatility with a beta of 1.80 — expect wider price swings.
JPM is growing revenue faster at 12.7% — sustainability is the question.
JPM generates stronger free cash flow (368.4B), providing more financial flexibility.
Bottom Line
JPM scores higher overall (73/100 vs 62/100), backed by strong 33.9% margins and 12.7% 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.
JPMorgan Chase & Co
FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA
JPMorgan Chase & Co. is an American multinational investment bank and financial services holding company headquartered in New York City. JPMorgan Chase is incorporated in Delaware. As a Bulge Bracket bank, it is a major provider of various investment banking and financial services. It is one of America's Big Four banks, along with Bank of America, Citigroup, and Wells Fargo. JPMorgan Chase is considered to be a universal bank and a custodian bank. The J.P. Morgan brand is used by the investment banking, asset management, private banking, private wealth management, and treasury services divisions.
Visit Website →OppFi Inc
FINANCIAL SERVICES · CREDIT SERVICES · USA
OppFi Inc. is a prominent financial technology firm that specializes in delivering tailored consumer lending solutions, primarily targeting the underbanked population. Leveraging its proprietary platform, OppFi enhances financial accessibility through equitable and transparent loan products, underpinned by advanced data analytics and machine learning techniques for accurate credit evaluations. With a strong commitment to responsible lending, the company is well-positioned to capitalize on growth opportunities in the fintech sector while promoting the financial well-being of its customers, thereby driving its mission of financial empowerment in a traditionally underserved market. As a publicly traded company, OppFi is strategically focused on innovation and expanding its reach to improve access to essential financial services.
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