OppFi vs SoFi Technologies
OPFI and SOFI side by side, both in finance services. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How OPFI and SOFI compare
SoFi Technologies is the larger company, worth 45 times as much as OppFi ($21.6B against $479M).
SoFi Technologies grew revenue faster over the last twelve months (9.2% versus 0.15% for OppFi).
SoFi Technologies keeps more of each dollar of sales as profit, with a net margin of 104% compared with 28.0% at OppFi.
OppFi scores higher on the StockData Score (13 against 9 for SoFi Technologies), which adds up 30 checks on valuation, growth, past performance, financial health and dividends.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | OPFI | SOFI |
|---|---|---|
| Size and price | ||
| Market cap | $479M | $21.6B |
| Share price | $5.62 | $16.76 |
| Change, 1 year | −45.8% | −45.8% |
| Change, 5 years | −17.4% | −25.7% |
| Beta (5Y) | 1.08 | 2.09 |
| Employees | 410 | 6,100 |
| StockData Score | ||
| Total score | 13 (better) | 9 |
| Valuation score | 3 (better) | 0 |
| Growth score | 2 | 2 |
| Performance score | 4 (better) | 3 |
| Health score | 4 | 4 |
| Dividend score | 0 | 0 |
| Valuation | ||
| P/E | – | 34.9× |
| P/S | 1.3× (better) | 35.5× |
| P/B | 1.2× (better) | 2.0× |
| EV/EBITDA | 2.9× | – |
| P/FCF | 1.2× | – |
| FCF yield | 80.4% (better) | −40.6% |
| Fair value | $20.44 | $9.58 |
| Margin of safety | 72.5% (better) | −74.9% |
| Growth | ||
| Revenue growth (TTM) | 0.15% | 9.2% (better) |
| Revenue growth, 5Y average | 13.7% | 43.1% (better) |
| Net income growth (TTM) | – | 13.3% |
| EPS growth (TTM) | – | 2.1% |
| Profitability | ||
| Gross margin | – | −13.8% |
| Operating margin | 38.3% | – |
| Net margin | 28.0% | 104% (better) |
| FCF margin | 106% (better) | −1441% |
| Return on equity | 47.6% (better) | 7.1% |
| Return on invested capital | 87.7% | – |
| Financial health | ||
| Debt / equity | 0.00 | 0.00 |
| Altman Z-score | 1.89 (better) | 0.26 |
| Piotroski F-score | 6 (better) | 3 |
| Dividends and buybacks | ||
| Dividend yield | 0.00% | 0.00% |
| Years of dividend growth | 1 (better) | 0 |
| Buyback yield | 5.6% (better) | −15.1% |
| Shareholder yield | 5.6% (better) | −15.1% |
| Ownership | ||
| Held by institutions | 26.3% | 50.7% |
| Held by insiders | 66.1% | 6.9% |
| Insider net buying, 12 months | −$590K (better) | −$9.1M |
| Superinvestors holding | – | 1 |
| Short interest, % of float | 15.0% | 17.9% |
Go deeper
- OPFI stock overview
- OPFI income statement
- OPFI valuation and score
- SOFI stock overview
- SOFI income statement
- SOFI valuation and score
Other comparisons
For information only, not investment advice. Check the source filings before relying on any figure.