OCFT
OneConnect Financial Technology Co., Ltd.
Software - Application
Market Cap$308M
5Y Perf.-96.7%
Compare Stocks
4 / 10Try these comparisons:
Stock Comparison
OCFT vs NCNO vs OPEN vs FISV
Revenue, margins, valuation, and 5-year total return — side by side.
NCNO
nCino, Inc.
Software - Application
Market Cap$2.11B
5Y Perf.-66.3%
OPEN
Opendoor Technologies Inc.
Real Estate - Services
Market Cap$4.08B
5Y Perf.-28.4%
FISV
Fiserv, Inc.
Information Technology Services
Market Cap$30.38B
5Y Perf.-33.2%
OCFT vs NCNO vs OPEN vs FISV — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | OCFT | NCNO | OPEN | FISV |
|---|---|---|---|---|
| Industry | Software - Application | Software - Application | Real Estate - Services | Information Technology Services |
| Market Cap | $308M | $2.11B | $4.08B | $30.38B |
| Revenue (TTM) | $1.63B | $586M | $3.94B | $21.09B |
| Net Income (TTM) | $-677M | $-22M | $-1.39B | $3.20B |
| Gross Margin | 29.9% | 60.1% | 7.9% | 60.8% |
| Operating Margin | -18.6% | -0.8% | -9.9% | 24.4% |
| Forward P/E | 4.7x | 19.6x | — | 6.8x |
| Total Debt | $44M | $237M | $193M | $29.12B |
| Cash & Equiv. | $1.95B | $121M | $962M | $798M |
OCFT vs NCNO vs OPEN vs FISV — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
OCFT
NCNO
OPEN
FISV
| Stock | Jul 20 | Nov 25 | Return |
|---|---|---|---|
| OneConnect Financia… (OCFT) | 100 | 3.3 | -96.7% |
| nCino, Inc. (NCNO) | 100 | 33.7 | -66.3% |
| Opendoor Technologi… (OPEN) | 100 | 71.6 | -28.4% |
| Fiserv, Inc. (FISV) | 100 | 66.8 | -33.2% |
Price return only. Dividends and distributions are not included.
Quick Verdict: OCFT vs NCNO vs OPEN vs FISV
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: OCFT and FISV are tied at the top with 2 categories each — the right choice depends on your priorities. Fiserv, Inc. is the stronger pick specifically for profitability and margin quality and operational efficiency and capital deployment. NCNO and OPEN also each lead in at least one category. This set spans 2 sectors — these stocks serve different portfolio roles, not just different price points.
OCFT
OneConnect Financial Technology Co., Ltd.
The Income Pick
OCFT has the current edge in this matchup, primarily because of its strength in income & stability and sleep-well-at-night.
- beta 0.33
- Lower volatility, beta 0.33, Low D/E 1.7%, current ratio 2.36x
- Beta 0.33, current ratio 2.36x
- Lower P/E (4.7x vs 6.8x)
Best for: income & stability and sleep-well-at-night
NCNO
nCino, Inc.
The Growth Play
NCNO is the clearest fit if your priority is growth exposure.
- Rev growth 13.5%, EPS growth 13.2%, 3Y rev CAGR 25.4%
- 13.5% revenue growth vs OCFT's -38.7%
Best for: growth exposure
OPEN
Opendoor Technologies Inc.
The Real Estate Income Play
OPEN is the clearest fit if your priority is momentum.
- +5.1% vs FISV's -68.8%
Best for: momentum
FISV
Fiserv, Inc.
The Long-Run Compounder
FISV is the #2 pick in this set and the best alternative if long-term compounding is your priority.
- 9.7% 10Y total return vs OPEN's -50.8%
- 15.2% margin vs OCFT's -41.5%
- 4.0% ROA vs OPEN's -53.6%, ROIC 8.1% vs -15.8%
Best for: long-term compounding
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | NCNO | 13.5% revenue growth vs OCFT's -38.7% |
| Value | OCFT | Lower P/E (4.7x vs 6.8x) |
| Quality / Margins | FISV | 15.2% margin vs OCFT's -41.5% |
| Stability / Safety | OCFT | Beta 0.33 vs OPEN's 3.09, lower leverage |
| Dividends | Tie | None of these 4 stocks pay a meaningful dividend |
| Momentum (1Y) | OPEN | +5.1% vs FISV's -68.8% |
| Efficiency (ROA) | FISV | 4.0% ROA vs OPEN's -53.6%, ROIC 8.1% vs -15.8% |
OCFT vs NCNO vs OPEN vs FISV — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
FY 2024
FY 2025
Segment breakdown not available.
FY 2024
OCFT vs NCNO vs OPEN vs FISV — Financial Metrics
Side-by-side numbers across 4 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLOCFTLAGGINGNCNO
Who Leads Where
FISV leads in 2 of 6 categories
OCFT leads 2 • OPEN leads 1 • NCNO leads 0
Explore the data ↓NCNOnCino, Inc.
0leads
OPENOpendoor Technologies…
1leads
FISVFiserv, Inc.
2leads
OCFTOneConnect Financial …
2leads
6 Total Categories
CATEGORYLEADERvs FISVvs OPENMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
FISV3/6
Valuation MetricsMultiples, price ratios, and targets
OCFT3/6
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
FISV5/8
Total Returns1Y, 3Y, 5Y total returns with dividends
OPEN4/6
Risk & VolatilityBeta, volatility, and downside exposure
OCFT2/2
Analyst OutlookRatings, price targets, and dividends
—
—
Income & Cash Flow (Last 12 Months)
FISV leads this category, winning 3 of 6 comparable metrics.
Income & Cash Flow (Last 12 Months)
FISV is the larger business by revenue, generating $21.1B annually — 36.0x NCNO's $586M. FISV is the more profitable business, keeping 15.2% of every revenue dollar as net income compared to OCFT's -41.5%. On growth, NCNO holds the edge at +9.6% YoY revenue growth, suggesting stronger near-term business momentum.
| Metric | OCFTOneConnect Financ… | NCNOnCino, Inc. | OPENOpendoor Technolo… | FISVFiserv, Inc. |
|---|---|---|---|---|
| RevenueTrailing 12 months | $1.6B | $586M | $3.9B | $21.1B |
| EBITDAEarnings before interest/tax | -$262M | $27M | -$363M | $7.5B |
| Net IncomeAfter-tax profit | -$677M | -$22M | -$1.4B | $3.2B |
| Free Cash FlowCash after capex | -$192M | $60M | $1.1B | $4.0B |
| Gross MarginGross profit ÷ Revenue | +29.9% | +60.1% | +7.9% | +60.8% |
| Operating MarginEBIT ÷ Revenue | -18.6% | -0.8% | -9.9% | +24.4% |
| Net MarginNet income ÷ Revenue | -41.5% | -3.7% | -35.2% | +15.2% |
| FCF MarginFCF ÷ Revenue | -11.8% | +10.2% | +27.2% | +19.0% |
| Rev. Growth (YoY)Latest quarter vs prior year | -37.4% | +9.6% | -37.6% | -2.0% |
| EPS Growth (YoY)Latest quarter vs prior year | -139.1% | +2.3% | -50.0% | -29.1% |
FISV leads this category, winning 3 of 6 comparable metrics.
Valuation Metrics
OCFT leads this category, winning 3 of 6 comparable metrics.
Valuation Metrics
On an enterprise value basis, FISV's 6.6x EV/EBITDA is more attractive than NCNO's 122.0x.
| Metric | OCFTOneConnect Financ… | NCNOnCino, Inc. | OPENOpendoor Technolo… | FISVFiserv, Inc. |
|---|---|---|---|---|
| Market CapShares × price | $308M | $2.1B | $4.1B | $30.4B |
| Enterprise ValueMkt cap + debt − cash | -$1.6B | $2.2B | $3.3B | $58.7B |
| Trailing P/EPrice ÷ TTM EPS | -0.63x | -53.88x | -3.13x | 8.96x |
| Forward P/EPrice ÷ next-FY EPS est. | 4.69x | 19.61x | — | 6.82x |
| PEG RatioP/E ÷ EPS growth rate | — | — | — | 0.25x |
| EV / EBITDAEnterprise value multiple | — | 121.97x | — | 6.63x |
| Price / SalesMarket cap ÷ Revenue | 0.14x | 3.89x | 0.93x | 1.43x |
| Price / BookPrice ÷ Book value/share | 0.11x | 1.87x | 4.06x | 1.21x |
| Price / FCFMarket cap ÷ FCF | — | 39.45x | 3.93x | 7.00x |
OCFT leads this category, winning 3 of 6 comparable metrics.
Profitability & Efficiency
FISV leads this category, winning 5 of 8 comparable metrics.
Profitability & Efficiency
FISV delivers a 12.4% return on equity — every $100 of shareholder capital generates $12 in annual profit, vs $-163 for OPEN. OCFT carries lower financial leverage with a 0.02x debt-to-equity ratio, signaling a more conservative balance sheet compared to FISV's 1.13x.
| Metric | OCFTOneConnect Financ… | NCNOnCino, Inc. | OPENOpendoor Technolo… | FISVFiserv, Inc. |
|---|---|---|---|---|
| ROE (TTM)Return on equity | -28.1% | -2.1% | -163.2% | +12.4% |
| ROA (TTM)Return on assets | -18.2% | -1.4% | -53.6% | +4.0% |
| ROICReturn on invested capital | -18.0% | -1.2% | -15.8% | +8.1% |
| ROCEReturn on capital employed | -11.0% | -1.5% | -11.7% | +10.2% |
| Piotroski ScoreFundamental quality 0–9 | 5 | 5 | 5 | 5 |
| Debt / EquityFinancial leverage | 0.02x | 0.22x | 0.19x | 1.13x |
| Net DebtTotal debt minus cash | -$1.9B | $116M | -$769M | $28.3B |
| Cash & Equiv.Liquid assets | $1.9B | $121M | $962M | $798M |
| Total DebtShort + long-term debt | $44M | $237M | $193M | $29.1B |
| Interest CoverageEBIT ÷ Interest expense | -38.58x | -0.51x | -8.92x | 6.39x |
FISV leads this category, winning 5 of 8 comparable metrics.
Total Returns (Dividends Reinvested)
OPEN leads this category, winning 4 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in FISV five years ago would be worth $4,829 today (with dividends reinvested), compared to $561 for OCFT. Over the past 12 months, OPEN leads with a +510.1% total return vs FISV's -68.8%. The 3-year compound annual growth rate (CAGR) favors OPEN at 37.4% vs FISV's -22.0% — a key indicator of consistent wealth creation.
| Metric | OCFTOneConnect Financ… | NCNOnCino, Inc. | OPENOpendoor Technolo… | FISVFiserv, Inc. |
|---|---|---|---|---|
| YTD ReturnYear-to-date | — | -27.9% | -12.4% | -13.4% |
| 1-Year ReturnPast 12 months | +28.3% | -22.1% | +510.1% | -68.8% |
| 3-Year ReturnCumulative with dividends | +59.7% | -21.0% | +159.5% | -52.5% |
| 5-Year ReturnCumulative with dividends | -94.4% | -68.6% | -71.6% | -51.7% |
| 10-Year ReturnCumulative with dividends | -92.1% | -80.6% | -50.8% | +9.7% |
| CAGR (3Y)Annualised 3-year return | +16.9% | -7.6% | +37.4% | -22.0% |
OPEN leads this category, winning 4 of 6 comparable metrics.
Risk & Volatility
OCFT leads this category, winning 2 of 2 comparable metrics.
Risk & Volatility
OCFT is the less volatile stock with a 0.33 beta — it tends to amplify market swings less than OPEN's 3.09 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. OCFT currently trades 99.6% from its 52-week high vs FISV's 29.6% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | OCFTOneConnect Financ… | NCNOnCino, Inc. | OPENOpendoor Technolo… | FISVFiserv, Inc. |
|---|---|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.30x | 1.12x | 3.05x | 0.87x |
| 52-Week HighHighest price in past year | $7.92 | $33.92 | $10.87 | $191.91 |
| 52-Week LowLowest price in past year | $6.09 | $13.80 | $0.51 | $52.91 |
| % of 52W HighCurrent price vs 52-week peak | +99.6% | +52.4% | +48.9% | +29.6% |
| RSI (14)Momentum oscillator 0–100 | 68.7 | 50.1 | 56.2 | 36.5 |
| Avg Volume (50D)Average daily shares traded | 0 | 2.7M | 36.3M | 5.3M |
OCFT leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
Insufficient data to determine a leader in this category.
Analyst Outlook
Analyst consensus: OCFT as "Hold", NCNO as "Buy", OPEN as "Hold", FISV as "Buy". Consensus price targets imply 81.8% upside for NCNO (target: $32) vs -98.5% for OCFT (target: $0).
| Metric | OCFTOneConnect Financ… | NCNOnCino, Inc. | OPENOpendoor Technolo… | FISVFiserv, Inc. |
|---|---|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Hold | Buy | Hold | Buy |
| Price TargetConsensus 12-month target | $0.12 | $32.33 | $6.17 | $74.08 |
| # AnalystsCovering analysts | 7 | 23 | 26 | 60 |
| Dividend YieldAnnual dividend ÷ price | — | — | — | — |
| Dividend StreakConsecutive years of raises | — | — | — | — |
| Dividend / ShareAnnual DPS | — | — | — | — |
| Buyback YieldShare repurchases ÷ mkt cap | 0.0% | 0.0% | 0.0% | +19.4% |
Insufficient data to determine a leader in this category.
Key Takeaway
FISV leads in 2 of 6 categories (Income & Cash Flow, Profitability & Efficiency). OCFT leads in 2 (Valuation Metrics, Risk & Volatility).
Best OverallOneConnect Financial Techno… (OCFT)Leads 2 of 6 categories
Loading custom metrics...
OCFT vs NCNO vs OPEN vs FISV: Key Questions Answered
10 questions · data-driven answers · updated daily
01Is OCFT or NCNO or OPEN or FISV a better buy right now?
For growth investors, nCino, Inc.
(NCNO) is the stronger pick with 13. 5% revenue growth year-over-year, versus -38. 7% for OneConnect Financial Technology Co. , Ltd. (OCFT). Fiserv, Inc. (FISV) offers the better valuation at 9. 0x trailing P/E (6. 8x forward), making it the more compelling value choice. Analysts rate nCino, Inc. (NCNO) a "Buy" — based on 23 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — OCFT or NCNO or OPEN or FISV?
On forward P/E, OneConnect Financial Technology Co.
, Ltd. is actually cheaper at 4. 7x — notably different from the trailing picture, reflecting expected earnings growth.
03Which is the better long-term investment — OCFT or NCNO or OPEN or FISV?
Over the past 5 years, Fiserv, Inc.
(FISV) delivered a total return of -51. 7%, compared to -94. 4% for OneConnect Financial Technology Co. , Ltd. (OCFT). Over 10 years, the gap is even starker: FISV returned +7. 1% versus OCFT's -92. 1%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — OCFT or NCNO or OPEN or FISV?
By beta (market sensitivity over 5 years), OneConnect Financial Technology Co.
, Ltd. (OCFT) is the lower-risk stock at 0. 30β versus Opendoor Technologies Inc. 's 3. 05β — meaning OPEN is approximately 919% more volatile than OCFT relative to the S&P 500. On balance sheet safety, OneConnect Financial Technology Co. , Ltd. (OCFT) carries a lower debt/equity ratio of 2% versus 113% for Fiserv, Inc. — giving it more financial flexibility in a downturn.
05Which is growing faster — OCFT or NCNO or OPEN or FISV?
By revenue growth (latest reported year), nCino, Inc.
(NCNO) is pulling ahead at 13. 5% versus -38. 7% for OneConnect Financial Technology Co. , Ltd. (OCFT). On earnings-per-share growth, the picture is similar: Fiserv, Inc. grew EPS 17. 8% year-over-year, compared to -203. 6% for Opendoor Technologies Inc.. Over a 3-year CAGR, NCNO leads at 25. 4% annualised revenue growth. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
06Which has better profit margins — OCFT or NCNO or OPEN or FISV?
Fiserv, Inc.
(FISV) is the more profitable company, earning 16. 4% net margin versus -29. 7% for Opendoor Technologies Inc. — meaning it keeps 16. 4% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: FISV leads at 26. 9% versus -13. 5% for OCFT. At the gross margin level — before operating expenses — NCNO leads at 60. 1%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
07Is OCFT or NCNO or OPEN or FISV more undervalued right now?
On forward earnings alone, OneConnect Financial Technology Co.
, Ltd. (OCFT) trades at 4. 7x forward P/E versus 19. 6x for nCino, Inc. — 14. 9x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for NCNO: 81. 8% to $32. 33.
08Which pays a better dividend — OCFT or NCNO or OPEN or FISV?
None of the stocks in this comparison currently pay a material dividend.
All are effectively zero-yield and should be held for capital appreciation rather than income.
09Is OCFT or NCNO or OPEN or FISV better for a retirement portfolio?
For long-horizon retirement investors, OneConnect Financial Technology Co.
, Ltd. (OCFT) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 30)). Opendoor Technologies Inc. (OPEN) carries a higher beta of 3. 05 — meaning larger drawdowns in market downturns, which matters significantly when you cannot wait years for a recovery. Both have compounded well over 10 years (OCFT: -92. 1%, OPEN: -53. 6%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
10What are the main differences between OCFT and NCNO and OPEN and FISV?
These companies operate in different sectors (OCFT (Technology) and NCNO (Technology) and OPEN (Real Estate) and FISV (Technology)), which means they face different economic cycles, regulatory environments, and macro sensitivities — making direct comparison nuanced.
In terms of investment character: OCFT is a small-cap quality compounder stock; NCNO is a small-cap quality compounder stock; OPEN is a small-cap quality compounder stock; FISV is a mid-cap deep-value stock. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
Find Stocks Like These
Explore pre-built screens for each stock's profile, or build a custom screen to find stocks that outperform all of them.
Revenue Growth>
%
(OCFT: -37.4% · NCNO: 9.6%)You Might Also Compare
Based on how these companies actually compete and overlap — not just which sector they're filed under.