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OPFI vs V

OPFI
OppFi Inc.
NEUTRAL
Price
$9.51
Market Cap
$818.9M
Sector
Financial Services
AI Confidence
80%
V
Visa Inc.
BULLISH
Price
$302.24
Market Cap
$582.73B
Sector
Financial Services
AI Confidence
75%

Valuation

P/E Ratio
OPFI
9.61
V
28.35
Forward P/E
OPFI
4.68
V
20.79
P/B Ratio
OPFI
4.44
V
15.09
P/S Ratio
OPFI
2.4
V
14.08
EV/EBITDA
OPFI
--
V
20.06

Profitability

Gross Margin
OPFI
100.0%
V
97.78%
Operating Margin
OPFI
40.59%
V
68.3%
Profit Margin
OPFI
7.7%
V
50.23%
ROE
OPFI
53.86%
V
53.95%
ROA
OPFI
20.96%
V
18.36%

Growth

Revenue Growth
OPFI
9.2%
V
14.6%
Earnings Growth
OPFI
--
V
17.4%

Financial Health

Debt/Equity
OPFI
1.08
V
0.55
Current Ratio
OPFI
5.71
V
1.11
Quick Ratio
OPFI
5.32
V
0.72

Dividends

Dividend Yield
OPFI
--
V
0.89%
Payout Ratio
OPFI
0.0%
V
22.91%

AI Verdict

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
V BULLISH

V shows bullish fundamentals based on deterministic rules. Financial strength is strong (F-Score 6/9). Key strengths include strong valuation and growth metrics.

Strengths
Strong profitability (50.2% margin)
Strong ROE of 54.0%
Risks
Premium vs Graham Number ($69.32)

Compare Another Pair

OPFI vs V: Head-to-Head Comparison

This page compares OppFi Inc. (OPFI) and Visa Inc. (V) 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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