OppFi Inc (OPFI)vsVisa Inc. Class A (V)
OPFI
OppFi Inc
$6.28
+0.64%
FINANCIAL SERVICES · Cap: $662.92M
V
Visa Inc. Class A
$367.38
-0.16%
FINANCIAL SERVICES · Cap: $678.70B
Smart Verdict
WallStSmart Research — data-driven comparison
Visa Inc. Class A generates 13485% more annual revenue ($44.49B vs $327.48M). V leads profitability with a 50.8% profit margin vs 31.1%. OPFI trades at a lower P/E of 2.6x. V earns a higher WallStSmart Score of 68/100 (B-).
OPFI
Buy64
out of 100
Grade: C+
V
Strong Buy68
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
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
Mega-cap, among the largest globally
Every $100 of equity generates 64 in profit
Keeps 51 of every $100 in revenue as profit
Strong operational efficiency at 66.1%
Generating 6.1B in free cash flow
Areas to Watch
Smaller company, higher risk/reward
Weak financial health signals
Revenue declined 13.9%
Expensive relative to growth rate
Premium valuation, high expectations priced in
Trading at 19.5x book value
Grey zone — moderate risk
Comparative Analysis Report
WallStSmart ResearchBull 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%.
Bull Case : V
The strongest argument for V centers on Market Cap, Return on Equity, Profit Margin. Profitability is solid with margins at 50.8% and operating margin at 66.1%. Revenue growth of 14.4% demonstrates continued momentum.
Bear Case : OPFI
The primary concerns for OPFI are Market Cap, Piotroski F-Score, Revenue Growth.
Bear Case : V
The primary concerns for V are PEG Ratio, P/E Ratio, Price/Book.
Key Dynamics to Monitor
OPFI profiles as a declining stock while V is a mature play — different risk/reward profiles.
OPFI carries more volatility with a beta of 1.78 — expect wider price swings.
V is growing revenue faster at 14.4% — sustainability is the question.
V generates stronger free cash flow (6.1B), providing more financial flexibility.
Bottom Line
V scores higher overall (68/100 vs 64/100), backed by strong 50.8% margins and 14.4% 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.
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.
Visa Inc. Class A
FINANCIAL SERVICES · CREDIT SERVICES · USA
Visa Inc. is an American multinational financial services corporation headquartered in Foster City, California, United States. It facilitates electronic funds transfers throughout the world, most commonly through Visa-branded credit cards, debit cards and prepaid cards. Visa is one of the world's most valuable companies.
Visit Website →Compare with Other CREDIT SERVICES Stocks
Want to dig deeper into these stocks?