Capital One Financial (NYSE:COF – Get Free Report) and OppFi (NYSE:OPFI – Get Free Report) are both finance companies, but which is the better stock? We will compare the two businesses based on the strength of their valuation, earnings, analyst recommendations, institutional ownership, profitability, dividends and risk.
Institutional and Insider Ownership
89.8% of Capital One Financial shares are held by institutional investors. Comparatively, 7.1% of OppFi shares are held by institutional investors. 0.8% of Capital One Financial shares are held by insiders. Comparatively, 70.2% of OppFi shares are held by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock will outperform the market over the long term.
Volatility & Risk
Capital One Financial has a beta of 1.02, indicating that its stock price is 2% more volatile than the S&P 500. Comparatively, OppFi has a beta of 1.77, indicating that its stock price is 77% more volatile than the S&P 500.
Profitability
| Net Margins | Return on Equity | Return on Assets | |
| Capital One Financial | 13.37% | 11.28% | 1.90% |
| OppFi | 16.64% | 30.89% | 13.99% |
Earnings & Valuation
This table compares Capital One Financial and OppFi”s revenue, earnings per share (EPS) and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Capital One Financial | $69.25 billion | 1.93 | $2.45 billion | $16.16 | 13.49 |
| OppFi | $597.05 million | 1.00 | $26.33 million | $1.89 | 3.70 |
Capital One Financial has higher revenue and earnings than OppFi. OppFi is trading at a lower price-to-earnings ratio than Capital One Financial, indicating that it is currently the more affordable of the two stocks.
Analyst Ratings
This is a breakdown of recent recommendations for Capital One Financial and OppFi, as reported by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Capital One Financial | 0 | 3 | 21 | 0 | 2.88 |
| OppFi | 0 | 3 | 2 | 0 | 2.40 |
Capital One Financial currently has a consensus price target of $259.14, suggesting a potential upside of 18.84%. OppFi has a consensus price target of $10.25, suggesting a potential upside of 46.43%. Given OppFi’s higher probable upside, analysts clearly believe OppFi is more favorable than Capital One Financial.
Summary
Capital One Financial beats OppFi on 8 of the 14 factors compared between the two stocks.
About Capital One Financial
Capital One Financial Corporation operates as the financial services holding company for the Capital One, National Association, which engages in the provision of various financial products and services in the United States, Canada, and the United Kingdom. It operates through three segments: Credit Card, Consumer Banking, and Commercial Banking. The company accepts checking accounts, money market deposits, negotiable order of withdrawals, savings deposits, and time deposits. Its loan products include credit card loans; auto and retail banking loans; and commercial and multifamily real estate, and commercial and industrial loans. The company also offers credit and debit card products; online direct banking services; and provides advisory, capital markets, treasury management, and depository services. It serves consumers, small businesses, and commercial clients through digital channels, branches, cafés, and other distribution channels located in New York, Louisiana, Texas, Maryland, Virginia, New Jersey, and California. The company was founded in 1988 and is headquartered in McLean, Virginia.
About OppFi
OppFi Inc. operates a cialty finance platform that allows banks to offer credit access. Its platform facilitates the OppLoans, an installment loan product; SalaryTap, a payroll deduction secured installment loan product; and OppFi Card, a credit card product. OppFi Inc. was founded in 2012 and is headquartered in Chicago, Illinois.
Receive News & Ratings for Capital One Financial Daily - Enter your email address below to receive a concise daily summary of the latest news and analysts' ratings for Capital One Financial and related companies with MarketBeat.com's FREE daily email newsletter.
