Stock comparison
Fair Isaac
OppFi
Scored across Buffett, Graham, Lynch and Greenblatt - plus a side-by-side metric table covering valuation, quality, growth and balance sheet.
FICO
Fair Isaac
Market cap
$28.75B
Sector
Technology
OPFI
OppFi
Market cap
$695.95M
Sector
Technology
Overall winner
Fair Isaac FICO
Wins on the combined sum of fit scores across all four strategies. Per-strategy breakdown below.
Fit scores by strategy
| Strategy | FICO | OPFI | Winner |
|---|---|---|---|
| Warren Buffett | 85A | 52C | FICO |
| Benjamin Graham | 88A | 55D | FICO |
| Philip Fisher | 85A | 52C | FICO |
| Peter Lynch | 70B | 44D | FICO |
| Joel Greenblatt | 94C | 67B | FICO |
| Charlie Munger | 91A | 64D | FICO |
| Terry Smith | 95A | 58C | FICO |
Side-by-side metrics
| Metric | FICO | OPFI |
|---|---|---|
| Market cap | $28.75B | $695.95M |
| P/E (TTM) | 33.8x | 3.8x |
| EV/EBIT | 30.9x | 5.3x |
| ROIC (TTM) | 53.2% | 148.72% |
| Gross margin | 84.16% | 98.11% |
| Net margin | 33.67% | 10.86% |
| Revenue CAGR 5y | 10.89% | 14.24% |
| EPS CAGR 5y | 18.48% | -15.37% |
| Debt / Equity | - | 4.0x |
| Dividend yield | 0.0% | 0.0% |
Where each one wins
The metrics with the biggest gap between the two - sorted so the most decisive edges read first.
FICO leads on
- EPS CAGR 5y18.48%vs -15.37%+183%
- Debt / Equity-vs 4.0x+144%
- Market cap$28.75Bvs $695.95M+98%
- Net margin33.67%vs 10.86%+68%
OPFI leads on
- P/E (TTM)3.8xvs 33.8x+89%
- EV/EBIT5.3xvs 30.9x+83%
- ROIC (TTM)148.72%vs 53.2%+64%
- Revenue CAGR 5y14.24%vs 10.89%+23%
Related on invest-like
Key terms in this analysis
Educational tool. Fit scores are deterministic projections from public financials onto each investor's published criteria - not personal recommendations or advice.