Stock comparison
Fair Isaac
FICO$28.75BTechnology Market cap, Sector
OppFi
OPFI$695.95MTechnology Market cap, Sector
Overall winner
Fair Isaac
FICO 70 OPFI
Wins on the combined sum of fit scores across all four strategies. Per-strategy breakdown below.
Scored across Buffett, Graham, Lynch and Greenblatt - plus a side-by-side metric table covering valuation, quality, growth and balance sheet.
Fit scores by strategy
FICO7wins
0winsOPFI
85A
D52
88A
D55
85A
D52
70B
F44
94A
C67
91A
C64
95A
D58
Side-by-side metrics
| Metric | FICO | OPFI |
|---|---|---|
| Market cap | Winner: $28.75B | $695.95M |
| P/E (TTM) | 33.8x | 3.8x Winner |
| EV/EBIT | 30.9x | 5.3x Winner |
| ROIC (TTM) | 53.2% | 148.72% Winner |
| Gross margin | 84.16% | 98.11% Winner |
| Net margin | Winner: 33.67% | 10.86% |
| Revenue CAGR 5y | 10.89% | 14.24% Winner |
| EPS CAGR 5y | Winner: 18.48% | -15.37% |
| Debt / Equity | Winner: - | 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%
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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.