Mastercard Inc (MA)vsOppFi Inc (OPFI)
MA
Mastercard Inc
$502.76
+0.77%
FINANCIAL SERVICES · Cap: $445.26B
OPFI
OppFi Inc
$7.91
-0.63%
FINANCIAL SERVICES · Cap: $687.45M
Smart Verdict
WallStSmart Research — data-driven comparison
Mastercard Inc generates 9493% more annual revenue ($32.79B vs $341.81M). MA leads profitability with a 45.7% profit margin vs 7.7%. OPFI trades at a lower P/E of 8.0x. MA earns a higher WallStSmart Score of 70/100 (B).
MA
Strong Buy70
out of 100
Grade: B
OPFI
Buy62
out of 100
Grade: C+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+33.1%
Fair Value
$751.54
Current Price
$502.76
$248.78 discount
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
Mega-cap, among the largest globally
Keeps 46 of every $100 in revenue as profit
Strong operational efficiency at 57.7%
Safe zone — low bankruptcy risk
17.6% revenue growth
Earnings expanding 24.2% 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
Expensive relative to growth rate
Premium valuation, high expectations priced in
ROE of 2.1% — below average capital efficiency
Trading at 58.1x book value
2.7% earnings growth
Smaller company, higher risk/reward
7.7% margin — thin
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : MA
The strongest argument for MA centers on Market Cap, Profit Margin, Operating Margin. Profitability is solid with margins at 45.7% and operating margin at 57.7%. Revenue growth of 17.6% demonstrates continued momentum.
Bull Case : OPFI
The strongest argument for OPFI centers on P/E Ratio, Return on Equity, Operating Margin.
Bear Case : MA
The primary concerns for MA are PEG Ratio, P/E Ratio, Return on Equity. Debt-to-equity of 2.45 is elevated, increasing financial risk.
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
MA profiles as a growth 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.
MA is growing revenue faster at 17.6% — sustainability is the question.
MA generates stronger free cash flow (4.8B), providing more financial flexibility.
Bottom Line
MA scores higher overall (70/100 vs 62/100), backed by strong 45.7% margins and 17.6% 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.
Mastercard Inc
FINANCIAL SERVICES · CREDIT SERVICES · USA
Mastercard Incorporated is an American multinational financial services corporation headquartered in the Mastercard International Global Headquarters in Purchase, New York. The Global Operations Headquarters is located in O'Fallon, Missouri, a municipality of St. Charles County, Missouri. Throughout the world, its principal business is to process payments between the banks of merchants and the card-issuing banks or credit unions of the purchasers who use the Mastercard brand debit, credit and prepaid cards to make purchases. Mastercard Worldwide has been a publicly traded company since 2006.
Visit Website →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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