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 39 times as much as Oportun Financial ($21.0B against $543M).
On earnings, Oportun Financial is cheaper: it trades at 15.9× trailing earnings, against 29.6× for SoFi Technologies.
SoFi Technologies grew revenue faster over the last twelve months (5.5% versus −0.40% for Oportun Financial).
SoFi Technologies keeps more of each dollar of sales as profit, with a net margin of 120% compared with 3.9% at Oportun Financial.
SoFi Technologies scores higher on the StockData Score (10 against 8 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 | $543M | $21.0B |
| Share price | $11.80 | $16.27 |
| Change, 1 year | 149% | −46.7% |
| Change, 5 years | −50.3% | −20.1% |
| Beta (5Y) | 1.89 | 2.06 |
| Employees | 83 | 6,100 |
| StockData Score | ||
| Total score | 8 | 10 (better) |
| Valuation score | 1 | 1 |
| Growth score | 0 | 2 (better) |
| Performance score | 3 | 3 |
| Health score | 4 | 4 |
| Dividend score | 0 | 0 |
| Valuation | ||
| P/E | 15.9× (better) | 29.6× |
| P/S | 0.6× (better) | 34.1× |
| P/B | 1.3× (better) | 1.9× |
| EV/EBITDA | 3.7× | – |
| FCF yield | – | −50.2% |
| Fair value | $12.70 | $14.27 |
| Margin of safety | 7.1% (better) | −14.0% |
| Growth | ||
| Revenue growth (TTM) | −0.40% | 5.5% (better) |
| Revenue growth, 5Y average | 10.4% | 43.1% (better) |
| Net income growth (TTM) | 21.7% (better) | 15.2% |
| EPS growth (TTM) | 12.1% (better) | 3.8% |
| Profitability | ||
| Gross margin | – | −20.4% |
| Net margin | 3.9% | 120% (better) |
| FCF margin | – | −1709% |
| Return on equity | 9.1% (better) | 7.4% |
| Financial health | ||
| Debt / equity | 0.00 | 0.00 |
| Altman Z-score | 0.33 (better) | 0.23 |
| Piotroski F-score | 6 (better) | 3 |
| Dividends and buybacks | ||
| Dividend yield | – | 0.00% |
| Years of dividend growth | – | 0 |
| Buyback yield | – | −7.5% |
| Shareholder yield | 0.00% (better) | −7.5% |
| Ownership | ||
| Held by institutions | 82.4% | 50.7% |
| Held by insiders | 27.2% | 6.9% |
| Insider net buying, 12 months | −$416K (better) | −$7.8M |
| Superinvestors holding | – | 1 |
| Short interest, % of float | 4.2% | 18.6% |
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.