OppFi Inc (OPFI)vsWells Fargo & Company (WFC)
OPFI
OppFi Inc
$5.91
-1.17%
FINANCIAL SERVICES · Cap: $497.62M
WFC
Wells Fargo & Company
$85.79
-0.05%
FINANCIAL SERVICES · Cap: $250.35B
Smart Verdict
WallStSmart Research — data-driven comparison
Wells Fargo & Company generates 26110% more annual revenue ($83.11B vs $317.10M). OPFI leads profitability with a 29.8% profit margin vs 27.6%. OPFI trades at a lower P/E of 2.7x. WFC earns a higher WallStSmart Score of 74/100 (B).
OPFI
Buy57
out of 100
Grade: C
WFC
Strong Buy74
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
Attractively priced relative to earnings
Strong operational efficiency at 34.2%
Keeps 28 of every $100 in revenue as profit
Reasonable price relative to book value
Generating 8.9B in free cash flow
Areas to Watch
Smaller company, higher risk/reward
Weak financial health signals
Revenue declined 11.0%
Earnings declined 48.0%
0.4% revenue growth
Elevated debt levels
Distress zone — elevated risk
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 : WFC
The strongest argument for WFC centers on Market Cap, P/E Ratio, Operating Margin. Profitability is solid with margins at 27.6% and operating margin at 34.2%. PEG of 1.30 suggests the stock is reasonably priced for its growth.
Bear Case : OPFI
The primary concerns for OPFI are Market Cap, Piotroski F-Score, Revenue Growth.
Bear Case : WFC
The primary concerns for WFC are Revenue Growth, Debt/Equity, Altman Z-Score.
Key Dynamics to Monitor
OPFI profiles as a declining stock while WFC is a value play — different risk/reward profiles.
OPFI carries more volatility with a beta of 1.93 — expect wider price swings.
WFC is growing revenue faster at 0.4% — sustainability is the question.
WFC generates stronger free cash flow (8.9B), providing more financial flexibility.
Bottom Line
WFC scores higher overall (74/100 vs 57/100), backed by strong 27.6% 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.
Wells Fargo & Company
FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA
Wells Fargo & Company is an American multinational financial services company with corporate headquarters in San Francisco, California, operational headquarters in Manhattan, and managerial offices throughout the United States and overseas.
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