OppFi Inc (OPFI)vsRoyal Bank of Canada (RY)
OPFI
OppFi Inc
$5.91
-1.17%
FINANCIAL SERVICES · Cap: $497.62M
RY
Royal Bank of Canada
$202.64
-0.44%
FINANCIAL SERVICES · Cap: $282.66B
Smart Verdict
WallStSmart Research — data-driven comparison
Royal Bank of Canada generates 21077% more annual revenue ($67.15B vs $317.10M). RY leads profitability with a 33.9% profit margin vs 29.8%. OPFI trades at a lower P/E of 2.7x. RY earns a higher WallStSmart Score of 69/100 (B-).
OPFI
Buy57
out of 100
Grade: C
RY
Strong Buy69
out of 100
Grade: B-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 44.1%
Safe zone — low bankruptcy risk
Every $100 of equity generates 21 in profit
Keeps 30 of every $100 in revenue as profit
Mega-cap, among the largest globally
Keeps 34 of every $100 in revenue as profit
Strong operational efficiency at 46.4%
Attractively priced relative to earnings
Reasonable price relative to book value
Areas to Watch
Smaller company, higher risk/reward
Weak financial health signals
Revenue declined 11.0%
Earnings declined 48.0%
Expensive relative to growth rate
Negative free cash flow — burning cash
Distress zone — elevated risk
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : OPFI
The strongest argument for OPFI centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 29.8% and operating margin at 44.1%.
Bull Case : RY
The strongest argument for RY centers on Market Cap, Profit Margin, Operating Margin. Profitability is solid with margins at 33.9% and operating margin at 46.4%.
Bear Case : OPFI
The primary concerns for OPFI are Market Cap, Piotroski F-Score, Revenue Growth.
Bear Case : RY
The primary concerns for RY are PEG Ratio, Free Cash Flow, Altman Z-Score. Debt-to-equity of 2.88 is elevated, increasing financial risk.
Key Dynamics to Monitor
OPFI profiles as a declining stock while RY is a mature play — different risk/reward profiles.
OPFI carries more volatility with a beta of 1.93 — expect wider price swings.
RY is growing revenue faster at 8.9% — sustainability is the question.
OPFI generates stronger free cash flow (85M), providing more financial flexibility.
Bottom Line
RY scores higher overall (69/100 vs 57/100), backed by strong 33.9% margins. 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.
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.
Royal Bank of Canada
FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA
Royal Bank of Canada is a globally diversified financial services company. The company is headquartered in Toronto, Canada.
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