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MA vs OPFI

MA
Mastercard Incorporated
NEUTRAL
Price
$499.66
Market Cap
$445.92B
Sector
Financial Services
AI Confidence
80%
OPFI
OppFi Inc.
NEUTRAL
Price
$9.51
Market Cap
$818.9M
Sector
Financial Services
AI Confidence
80%

Valuation

P/E Ratio
MA
30.28
OPFI
9.61
Forward P/E
MA
22.05
OPFI
4.68
P/B Ratio
MA
57.74
OPFI
4.44
P/S Ratio
MA
13.6
OPFI
2.4
EV/EBITDA
MA
22.13
OPFI
--

Profitability

Gross Margin
MA
100.0%
OPFI
100.0%
Operating Margin
MA
57.73%
OPFI
40.59%
Profit Margin
MA
45.65%
OPFI
7.7%
ROE
MA
209.91%
OPFI
53.86%
ROA
MA
23.72%
OPFI
20.96%

Growth

Revenue Growth
MA
17.6%
OPFI
9.2%
Earnings Growth
MA
24.2%
OPFI
--

Financial Health

Debt/Equity
MA
2.56
OPFI
1.08
Current Ratio
MA
1.03
OPFI
5.71
Quick Ratio
MA
0.68
OPFI
5.32

Dividends

Dividend Yield
MA
0.7%
OPFI
--
Payout Ratio
MA
18.4%
OPFI
0.0%

AI Verdict

MA NEUTRAL

MA shows neutral fundamentals based on deterministic rules. Financial strength is strong (F-Score 6/9). Mixed signals with both opportunities and risks present.

Strengths
Strong profitability (45.6% margin)
Strong revenue growth of 17.6%
Strong ROE of 209.9%
Risks
High valuation with P/E of 30.3
Premium vs Graham Number ($56.68)
High debt burden with D/E of 2.56
OPFI NEUTRAL

OPFI presents a dichotomy between strong operational efficiency and bearish sentiment indicators. While the Piotroski F-Score of 4/9 indicates stable financial health and the company boasts an exceptional ROE of 53.86%, the stock is currently trading at a premium to its Graham Number ($6.91) and Intrinsic Value ($6.93). Despite a very low forward P/E of 4.68 and a consistent track record of earnings beats, the analysis is tempered by a 0/100 technical trend and bearish insider activity, including sales by the CFO and Directors.

Strengths
Exceptional profitability metrics with ROE at 53.86% and ROA at 20.96%
Strong short-term liquidity with a Current Ratio of 5.71
Consistent earnings performance with 3/4 recent beats and high average surprises
Risks
Trading at a ~37% premium to defensive fair value (Graham Number)
Bearish insider sentiment with multiple sales by executives and directors
High exposure to underserved credit markets, increasing sensitivity to macroeconomic downturns

Compare Another Pair

MA vs OPFI: Head-to-Head Comparison

This page compares Mastercard Incorporated (MA) and OppFi Inc. (OPFI) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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