OppFi vs Wealthfront
OPFI and WLTH 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 WLTH compare
Wealthfront is the larger company, worth 3.3 times as much as OppFi ($1.7B against $506M).
Wealthfront grew revenue faster over the last twelve months (9.8% versus −6.5% for OppFi).
OppFi keeps more of each dollar of sales as profit, with a net margin of 26.9% compared with −19.4% at Wealthfront.
OppFi scores higher on the StockData Score (13 against 5 for Wealthfront), 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 | WLTH |
|---|---|---|
| Size and price | ||
| Market cap | $506M | $1.7B |
| Share price | $5.94 | $10.72 |
| Change, 1 year | −39.6% | – |
| Change, 5 years | 3.1% | – |
| Beta (5Y) | 1.04 | 1.45 |
| Employees | 410 | 391 |
| StockData Score | ||
| Total score | 13 (better) | 5 |
| Valuation score | 3 (better) | 0 |
| Growth score | 2 (better) | 0 |
| Performance score | 4 (better) | 2 |
| Health score | 4 (better) | 3 |
| Dividend score | 0 | 0 |
| Valuation | ||
| P/S | 1.4× (better) | 4.5× |
| P/B | 1.1× (better) | 2.7× |
| EV/EBITDA | 3.0× | – |
| P/FCF | 1.4× | – |
| FCF yield | 72.4% | – |
| Fair value | $21.88 | $5.65 |
| Margin of safety | 72.9% (better) | −89.9% |
| Growth | ||
| Revenue growth (TTM) | −6.5% | 9.8% (better) |
| Revenue growth, 5Y average | 13.7% | – |
| Net income growth (TTM) | 2341% (better) | −159% |
| EPS growth (TTM) | – | −206% |
| Profitability | ||
| Gross margin | – | 89.1% |
| Operating margin | 36.3% | – |
| Net margin | 26.9% (better) | −19.4% |
| FCF margin | 104% | – |
| Return on equity | 38.4% (better) | −22.7% |
| Return on invested capital | 70.5% | – |
| Financial health | ||
| Debt / equity | 0.00 | 0.01 (better) |
| Current ratio | – | 1.43 |
| Altman Z-score | 1.75 (better) | 1.32 |
| Piotroski F-score | 6 (better) | 5 |
| Dividends and buybacks | ||
| Dividend yield | 0.00% | – |
| Years of dividend growth | 1 | – |
| Buyback yield | 5.2% (better) | 3.6% |
| Shareholder yield | 5.2% (better) | 3.6% |
| Ownership | ||
| Held by institutions | 26.3% | 61.2% |
| Held by insiders | 66.1% | 28.8% |
| Insider net buying, 12 months | −$381K (better) | −$134M |
| Superinvestors holding | – | 1 |
| Short interest, % of float | 15.8% | 9.7% |
Go deeper
- OPFI stock overview
- OPFI income statement
- OPFI valuation and score
- WLTH stock overview
- WLTH income statement
- WLTH valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.