Oportun Financial Corp (OPRT)vsVisa Inc. Class A (V)
OPRT
Oportun Financial Corp
$7.87
+2.74%
FINANCIAL SERVICES · Cap: $361.92M
V
Visa Inc. Class A
$375.33
+1.32%
FINANCIAL SERVICES · Cap: $691.65B
Smart Verdict
WallStSmart Research — data-driven comparison
Visa Inc. Class A generates 5880% more annual revenue ($44.49B vs $743.95M). V leads profitability with a 50.8% profit margin vs 2.6%. OPRT trades at a lower P/E of 19.7x. V earns a higher WallStSmart Score of 68/100 (B-).
OPRT
Buy55
out of 100
Grade: C
V
Strong Buy68
out of 100
Grade: B-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Earnings expanding 21.4% YoY
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
ROE of 4.5% — below average capital efficiency
2.6% margin — thin
Distress zone — elevated risk
Expensive relative to growth rate
Premium valuation, high expectations priced in
Trading at 19.9x book value
Grey zone — moderate risk
Comparative Analysis Report
WallStSmart ResearchBull Case : OPRT
The strongest argument for OPRT centers on Price/Book, EPS Growth.
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 : OPRT
The primary concerns for OPRT are Market Cap, Return on Equity, Profit Margin. Debt-to-equity of 6.54 is elevated, increasing financial risk. Thin 2.6% margins leave little buffer for downturns.
Bear Case : V
The primary concerns for V are PEG Ratio, P/E Ratio, Price/Book.
Key Dynamics to Monitor
OPRT profiles as a value stock while V is a mature play — different risk/reward profiles.
OPRT carries more volatility with a beta of 1.25 — 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 55/100), 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.
Oportun Financial Corp
FINANCIAL SERVICES · CREDIT SERVICES · USA
Oportun Financial Corporation offers financial services in the United States. The company is headquartered in San Carlos, California.
Visit Website →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?