Oportun Financial vs SoFi Technologies
OPRT 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 OPRT and SOFI compare
SoFi Technologies is the larger company, worth 48 times as much as Oportun Financial ($21.6B against $455M).
On earnings, Oportun Financial is cheaper: it trades at 24.7× trailing earnings, against 34.9× for SoFi Technologies.
SoFi Technologies grew revenue faster over the last twelve months (9.2% versus −2.3% for Oportun Financial).
SoFi Technologies keeps more of each dollar of sales as profit, with a net margin of 104% compared with 2.1% at Oportun Financial.
SoFi Technologies scores higher on the StockData Score (9 against 7 for Oportun Financial), 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 | OPRT | SOFI |
|---|---|---|
| Size and price | ||
| Market cap | $455M | $21.6B |
| Share price | $9.89 | $16.76 |
| Change, 1 year | 84.5% | −45.8% |
| Change, 5 years | −60.8% | −25.7% |
| Beta (5Y) | 1.93 | 2.09 |
| Employees | 83 | 6,100 |
| StockData Score | ||
| Total score | 7 | 9 (better) |
| Valuation score | 0 | 0 |
| Growth score | 0 | 2 (better) |
| Performance score | 3 | 3 |
| Health score | 4 | 4 |
| Dividend score | 0 | 0 |
| Valuation | ||
| P/E | 24.7× (better) | 34.9× |
| P/S | 0.5× (better) | 35.5× |
| P/B | 1.1× (better) | 2.0× |
| EV/EBITDA | 4.1× | – |
| FCF yield | – | −40.6% |
| Fair value | $8.91 | $9.58 |
| Margin of safety | −11.0% (better) | −74.9% |
| Growth | ||
| Revenue growth (TTM) | −2.3% | 9.2% (better) |
| Revenue growth, 5Y average | 10.4% | 43.1% (better) |
| Net income growth (TTM) | – | 13.3% |
| EPS growth (TTM) | – | 2.1% |
| Profitability | ||
| Gross margin | – | −13.8% |
| Net margin | 2.1% | 104% (better) |
| FCF margin | – | −1441% |
| Return on equity | 5.0% | 7.1% (better) |
| Financial health | ||
| Debt / equity | 0.00 | 0.00 |
| Altman Z-score | 0.31 (better) | 0.26 |
| Piotroski F-score | 6 (better) | 3 |
| Dividends and buybacks | ||
| Dividend yield | – | 0.00% |
| Years of dividend growth | – | 0 |
| Buyback yield | – | −15.1% |
| Shareholder yield | 0.00% (better) | −15.1% |
| Ownership | ||
| Held by institutions | 82.4% | 50.7% |
| Held by insiders | 27.2% | 6.9% |
| Insider net buying, 12 months | −$416K (better) | −$9.1M |
| Superinvestors holding | – | 1 |
| Short interest, % of float | 5.3% | 17.9% |
Go deeper
- OPRT stock overview
- OPRT income statement
- OPRT 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.