COMP <GO>
OPFI vs V // GROSS PROFIT MARGIN
OppFi Inc. (Class A) (NYSE) VS. Visa Inc. (NYSE) • 15-METRIC TALLY: OPFI 4
— V 3
■ METRIC PARITY
LAST: $5.60 (-0.36%) • MKT CAP: $478.9M
gross-margins
—
LAST: $425.51 (+2.88%) • MKT CAP: $738.98B
gross-margins
—
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (OPFI VS. V)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | OPFI | V | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin ACTIVE | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 85.00% | 32.30% | +52.70 | OPFI | /roic <GO> |
| EV/EBITDA & P/E Valuation | 2.7x | 28.9x | -26.20 | OPFI | /valuation <GO> |
| Free Cash Flow Yield | — | 2.90% | — | TIE | /fcf-yield <GO> |
| Operating Margin | — | 60.00% | — | TIE | /operating-margins <GO> |
| Net Profit Margin | — | 50.10% | — | TIE | /net-margins <GO> |
| Revenue Growth (YoY) | — | 11.30% | — | TIE | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 1.28% | 0.63% | +0.65 | OPFI | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | 9.09 | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 5/9 | 9/9 | -4.00 | V | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 42.3 | 67.7 | -25.40 | V | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | 1.06 | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 17.7x | 34.0x | -16.30 | OPFI | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $478.9M | $738.98B | -$738.51B | V | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | OPFI REV | V REV | OPFI GROSS % | V GROSS % | OPFI FCF | V FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $466.7M | $40.00B | — | — | $401.3M | $21.26B |
| FY 2024 | $264.7M | $35.93B | — | — | $323.8M | $18.33B |
| FY 2023 | $129.8M | $32.65B | — | — | $296.1M | $19.29B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
OPFI // BETA —
V // BETA 1.06