OCFT
OneConnect Financial Technology Co., Ltd.
Software - Application
Market Cap$308M
5Y Perf.-95.7%
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Stock Comparison
OCFT vs OPEN
Revenue, margins, valuation, and 5-year total return — side by side.
OPEN
Opendoor Technologies Inc.
Real Estate - Services
Market Cap$4.08B
5Y Perf.-33.9%
OCFT vs OPEN — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | OCFT | OPEN |
|---|---|---|
| Industry | Software - Application | Real Estate - Services |
| Market Cap | $308M | $4.08B |
| Revenue (TTM) | $1.63B | $3.94B |
| Net Income (TTM) | $-677M | $-1.39B |
| Gross Margin | 29.9% | 7.9% |
| Operating Margin | -18.6% | -9.9% |
| Forward P/E | 4.7x | — |
| Total Debt | $44M | $193M |
| Cash & Equiv. | $1.95B | $962M |
OCFT vs OPEN — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
OCFT
OPEN
| Stock | Jun 20 | Nov 25 | Return |
|---|---|---|---|
| OneConnect Financia… (OCFT) | 100 | 4.3 | -95.7% |
| Opendoor Technologi… (OPEN) | 100 | 66.1 | -33.9% |
Price return only. Dividends and distributions are not included.
Quick Verdict: OCFT vs OPEN
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: OPEN leads in 3 of 6 categories, making it the strongest pick for growth and revenue expansion and profitability and margin quality. OneConnect Financial Technology Co., Ltd. is the stronger pick specifically for capital preservation and lower volatility and operational efficiency and capital deployment. 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 is the clearest fit if your priority is income & stability and growth exposure.
- beta 0.33
- Rev growth -38.7%, EPS growth -27.3%, 3Y rev CAGR -18.4%
- Lower volatility, beta 0.33, Low D/E 1.7%, current ratio 2.36x
Best for: income & stability and growth exposure
OPEN
Opendoor Technologies Inc.
The Real Estate Income Play
OPEN carries the broadest edge in this set and is the clearest fit for long-term compounding.
- -50.8% 10Y total return vs OCFT's -92.1%
- -15.2% FFO/revenue growth vs OCFT's -38.7%
- -35.2% margin vs OCFT's -41.5%
Best for: long-term compounding
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | OPEN | -15.2% FFO/revenue growth vs OCFT's -38.7% |
| Quality / Margins | OPEN | -35.2% margin vs OCFT's -41.5% |
| Stability / Safety | OCFT | Beta 0.33 vs OPEN's 3.09, lower leverage |
| Dividends | Tie | Neither stock pays a meaningful dividend |
| Momentum (1Y) | OPEN | +5.1% vs OCFT's +28.3% |
| Efficiency (ROA) | OCFT | -18.2% ROA vs OPEN's -53.6%, ROIC -18.0% vs -15.8% |
OCFT vs OPEN — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
FY 2024
Segment breakdown not available.
OCFT vs OPEN — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLOCFTLAGGINGOPEN
OPENOpendoor Technologies…
2leads
OCFTOneConnect Financial …
3leads
6 Total Categories
CATEGORYLEADERvs OPENMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
OPEN4/6
Valuation MetricsMultiples, price ratios, and targets
OCFT2/3
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
OCFT6/8
Total Returns1Y, 3Y, 5Y total returns with dividends
OPEN5/5
Risk & VolatilityBeta, volatility, and downside exposure
OCFT2/2
Analyst OutlookRatings, price targets, and dividends
—
—
Income & Cash Flow (Last 12 Months)
OPEN leads this category, winning 4 of 6 comparable metrics.
Income & Cash Flow (Last 12 Months)
OPEN is the larger business by revenue, generating $3.9B annually — 2.4x OCFT's $1.6B. OPEN is the more profitable business, keeping -35.2% of every revenue dollar as net income compared to OCFT's -41.5%.
| Metric | OCFTOneConnect Financ… | OPENOpendoor Technolo… |
|---|---|---|
| RevenueTrailing 12 months | $1.6B | $3.9B |
| EBITDAEarnings before interest/tax | -$262M | -$363M |
| Net IncomeAfter-tax profit | -$677M | -$1.4B |
| Free Cash FlowCash after capex | -$192M | $1.1B |
| Gross MarginGross profit ÷ Revenue | +29.9% | +7.9% |
| Operating MarginEBIT ÷ Revenue | -18.6% | -9.9% |
| Net MarginNet income ÷ Revenue | -41.5% | -35.2% |
| FCF MarginFCF ÷ Revenue | -11.8% | +27.2% |
| Rev. Growth (YoY)Latest quarter vs prior year | -37.4% | -37.6% |
| EPS Growth (YoY)Latest quarter vs prior year | -139.1% | -50.0% |
OPEN leads this category, winning 4 of 6 comparable metrics.
Valuation Metrics
OCFT leads this category, winning 2 of 3 comparable metrics.
Valuation Metrics
| Metric | OCFTOneConnect Financ… | OPENOpendoor Technolo… |
|---|---|---|
| Market CapShares × price | $308M | $4.1B |
| Enterprise ValueMkt cap + debt − cash | -$1.6B | $3.3B |
| Trailing P/EPrice ÷ TTM EPS | -0.63x | -3.13x |
| Forward P/EPrice ÷ next-FY EPS est. | 4.69x | — |
| PEG RatioP/E ÷ EPS growth rate | — | — |
| EV / EBITDAEnterprise value multiple | — | — |
| Price / SalesMarket cap ÷ Revenue | 0.14x | 0.93x |
| Price / BookPrice ÷ Book value/share | 0.11x | 4.06x |
| Price / FCFMarket cap ÷ FCF | — | 3.93x |
OCFT leads this category, winning 2 of 3 comparable metrics.
Profitability & Efficiency
OCFT leads this category, winning 6 of 8 comparable metrics.
Profitability & Efficiency
OCFT delivers a -28.1% return on equity — every $100 of shareholder capital generates $-28 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 OPEN's 0.19x.
| Metric | OCFTOneConnect Financ… | OPENOpendoor Technolo… |
|---|---|---|
| ROE (TTM)Return on equity | -28.1% | -163.2% |
| ROA (TTM)Return on assets | -18.2% | -53.6% |
| ROICReturn on invested capital | -18.0% | -15.8% |
| ROCEReturn on capital employed | -11.0% | -11.7% |
| Piotroski ScoreFundamental quality 0–9 | 5 | 5 |
| Debt / EquityFinancial leverage | 0.02x | 0.19x |
| Net DebtTotal debt minus cash | -$1.9B | -$769M |
| Cash & Equiv.Liquid assets | $1.9B | $962M |
| Total DebtShort + long-term debt | $44M | $193M |
| Interest CoverageEBIT ÷ Interest expense | -38.58x | -8.92x |
OCFT leads this category, winning 6 of 8 comparable metrics.
Total Returns (Dividends Reinvested)
OPEN leads this category, winning 5 of 5 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in OPEN five years ago would be worth $2,845 today (with dividends reinvested), compared to $561 for OCFT. Over the past 12 months, OPEN leads with a +510.1% total return vs OCFT's +28.3%. The 3-year compound annual growth rate (CAGR) favors OPEN at 37.4% vs OCFT's 16.9% — a key indicator of consistent wealth creation.
| Metric | OCFTOneConnect Financ… | OPENOpendoor Technolo… |
|---|---|---|
| YTD ReturnYear-to-date | — | -12.4% |
| 1-Year ReturnPast 12 months | +28.3% | +510.1% |
| 3-Year ReturnCumulative with dividends | +59.7% | +159.5% |
| 5-Year ReturnCumulative with dividends | -94.4% | -71.6% |
| 10-Year ReturnCumulative with dividends | -92.1% | -50.8% |
| CAGR (3Y)Annualised 3-year return | +16.9% | +37.4% |
OPEN leads this category, winning 5 of 5 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 OPEN's 48.9% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | OCFTOneConnect Financ… | OPENOpendoor Technolo… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.33x | 3.09x |
| 52-Week HighHighest price in past year | $7.92 | $10.87 |
| 52-Week LowLowest price in past year | $6.09 | $0.51 |
| % of 52W HighCurrent price vs 52-week peak | +99.6% | +48.9% |
| RSI (14)Momentum oscillator 0–100 | 68.7 | 56.2 |
| Avg Volume (50D)Average daily shares traded | 0 | 36.3M |
OCFT leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
Insufficient data to determine a leader in this category.
Analyst Outlook
Wall Street rates OCFT as "Hold" and OPEN as "Hold". Consensus price targets imply 22.2% upside for OPEN (target: $7) vs -98.5% for OCFT (target: $0).
| Metric | OCFTOneConnect Financ… | OPENOpendoor Technolo… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Hold | Hold |
| Price TargetConsensus 12-month target | $0.12 | $6.50 |
| # AnalystsCovering analysts | 7 | 26 |
| Dividend YieldAnnual dividend ÷ price | — | — |
| Dividend StreakConsecutive years of raises | — | — |
| Dividend / ShareAnnual DPS | — | — |
| Buyback YieldShare repurchases ÷ mkt cap | 0.0% | 0.0% |
Insufficient data to determine a leader in this category.
Key Takeaway
OCFT leads in 3 of 6 categories (Valuation Metrics, Profitability & Efficiency). OPEN leads in 2 (Income & Cash Flow, Total Returns).
Best OverallOneConnect Financial Techno… (OCFT)Leads 3 of 6 categories
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OCFT vs OPEN: Frequently Asked Questions
9 questions · data-driven answers · updated daily
01Is OCFT or OPEN a better buy right now?
For growth investors, Opendoor Technologies Inc.
(OPEN) is the stronger pick with -15. 2% revenue growth year-over-year, versus -38. 7% for OneConnect Financial Technology Co. , Ltd. (OCFT). Analysts rate OneConnect Financial Technology Co. , Ltd. (OCFT) a "Hold" — based on 7 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 is the better long-term investment — OCFT or OPEN?
Over the past 5 years, Opendoor Technologies Inc.
(OPEN) delivered a total return of -71. 6%, compared to -94. 4% for OneConnect Financial Technology Co. , Ltd. (OCFT). Over 10 years, the gap is even starker: OPEN returned -50. 8% 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.
03Which is safer — OCFT or OPEN?
By beta (market sensitivity over 5 years), OneConnect Financial Technology Co.
, Ltd. (OCFT) is the lower-risk stock at 0. 33β versus Opendoor Technologies Inc. 's 3. 09β — meaning OPEN is approximately 844% 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 19% for Opendoor Technologies Inc. — giving it more financial flexibility in a downturn.
04Which is growing faster — OCFT or OPEN?
By revenue growth (latest reported year), Opendoor Technologies Inc.
(OPEN) is pulling ahead at -15. 2% versus -38. 7% for OneConnect Financial Technology Co. , Ltd. (OCFT). On earnings-per-share growth, the picture is similar: OneConnect Financial Technology Co. , Ltd. grew EPS -27. 3% year-over-year, compared to -203. 6% for Opendoor Technologies Inc.. Over a 3-year CAGR, OCFT leads at -18. 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.
05Which has better profit margins — OCFT or OPEN?
OneConnect Financial Technology Co.
, Ltd. (OCFT) is the more profitable company, earning -20. 4% net margin versus -29. 7% for Opendoor Technologies Inc. — meaning it keeps -20. 4% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: OPEN leads at -6. 2% versus -13. 5% for OCFT. At the gross margin level — before operating expenses — OCFT leads at 35. 8%, 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.
06Is OCFT or OPEN more undervalued right now?
Analyst consensus price targets imply the most upside for OPEN: 22.
2% to $6. 50.
07Which pays a better dividend — OCFT or OPEN?
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.
08Is OCFT or OPEN 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. 33)). Opendoor Technologies Inc. (OPEN) carries a higher beta of 3. 09 — 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: -50. 8%), 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.
09What are the main differences between OCFT and OPEN?
These companies operate in different sectors (OCFT (Technology) and OPEN (Real Estate)), which means they face different economic cycles, regulatory environments, and macro sensitivities — making direct comparison nuanced.
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.
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