Comprehensive Stock Comparison
Compare OppFi Inc. (OPFI) vs Fair Isaac Corporation (FICO) Stock
Analyze side-by-side fundamentals, valuation, growth, and profitability to decide which stock is the better buy.
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Quick Verdict
| Category | Winner | Why |
|---|---|---|
| Growth | FICO | 15.9% revenue growth vs OPFI's 3.3% |
| Value | OPFI | Lower P/E (5.3x vs 33.9x) |
| Quality / Margins | FICO | 31.9% net margin vs OPFI's 0.7% |
| Stability / Safety | FICO | Beta 1.00 vs OPFI's 1.51 |
| Dividends | OPFI | 1.3% yield; FICO pays no meaningful dividend |
| Momentum (1Y) | OPFI | -4.4% vs FICO's -25.3% |
| Efficiency (ROA) | FICO | 35.5% ROA vs OPFI's 0.5%, ROIC 59.7% vs 14.0% |
Who Each Stock Is For
Income & stability
Growth exposure
Long-term compounding (10Y)
Sleep-well-at-night portfolio
Defensive / Recession hedge
Business Model
What each company does and how it makes money
OppFi is a financial technology platform that enables banks to offer accessible lending products to non-prime consumers. It generates revenue primarily through loan facilitation fees from its installment loans (OppLoans), payroll deduction loans (SalaryTap), and credit cards (OppFi Card). The company's competitive advantage lies in its proprietary underwriting technology that assesses creditworthiness beyond traditional FICO scores—serving an underserved market segment.
Fair Isaac Corporation is a data analytics and decision management software company that helps businesses make better credit, fraud, and risk decisions. It generates revenue primarily through its FICO Scores business—which provides credit scoring data and analytics—and its Software segment that sells decision management platforms and professional services. The company's main competitive advantage is its FICO credit scoring system, which has become the industry standard used by over 90% of top U.S. lenders.
Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
Financial Metrics Comparison
Side-by-side fundamentals across 2 stocks. BestLagging
Financial Scorecard
FICO leads in 3 of 6 categories (Financial Metrics, Profitability & Efficiency). OPFI leads in 2 (Valuation Metrics, Total Returns).
Financial Metrics (TTM)
FICO is the larger business by revenue, generating $2.1B annually — 3.6x OPFI's $574M. FICO is the more profitable business, keeping 31.9% of every revenue dollar as net income compared to OPFI's 0.7%.
| Metric | OPFIOppFi Inc. | FICOFair Isaac Corpor… |
|---|---|---|
| RevenueTrailing 12 months | $574M | $2.1B |
| EBITDAEarnings before interest/tax | $167M | $995M |
| Net IncomeAfter-tax profit | $4M | $658M |
| Free Cash FlowCash after capex | $360M | $735M |
| Gross MarginGross profit ÷ Revenue | +82.3% | +82.9% |
| Operating MarginEBIT ÷ Revenue | +28.0% | +47.5% |
| Net MarginNet income ÷ Revenue | +0.7% | +31.9% |
| FCF MarginFCF ÷ Revenue | +62.8% | +35.6% |
| Rev. Growth (YoY)Latest quarter vs prior year | +13.5% | +16.4% |
| EPS Growth (YoY)Latest quarter vs prior year | +216.8% | +7.7% |
Valuation Metrics
At 25.5x trailing earnings, OPFI trades at a 52% valuation discount to FICO's 53.1x P/E. On an enterprise value basis, OPFI's 8.3x EV/EBITDA is more attractive than FICO's 38.8x.
| Metric | OPFIOppFi Inc. | FICOFair Isaac Corpor… |
|---|---|---|
| Market CapShares × price | $589M | $33.5B |
| Enterprise ValueMkt cap + debt − cash | $860M | $36.4B |
| Trailing P/EPrice ÷ TTM EPS | 25.50x | 53.10x |
| Forward P/EPrice ÷ next-FY EPS est. | 5.28x | 33.93x |
| PEG RatioP/E ÷ EPS growth rate | — | 1.94x |
| EV / EBITDAEnterprise value multiple | 8.26x | 38.76x |
| Price / SalesMarket cap ÷ Revenue | 1.12x | 16.82x |
| Price / BookPrice ÷ Book value/share | 0.79x | — |
| Price / FCFMarket cap ÷ FCF | 1.90x | 43.50x |
Profitability & Efficiency
On the Piotroski fundamental quality scale (0–9), FICO scores 7/9 vs OPFI's 6/9, reflecting strong financial health.
| Metric | OPFIOppFi Inc. | FICOFair Isaac Corpor… |
|---|---|---|
| ROE (TTM)Return on equity | +1.4% | — |
| ROA (TTM)Return on assets | +0.5% | +35.5% |
| ROICReturn on invested capital | +14.0% | +59.7% |
| ROCEReturn on capital employed | +16.7% | +78.5% |
| Piotroski ScoreFundamental quality 0–9 | 6 | 7 |
| Debt / EquityFinancial leverage | 1.42x | — |
| Net DebtTotal debt minus cash | $271M | $2.9B |
| Cash & Equiv.Liquid assets | $61M | $134M |
| Total DebtShort + long-term debt | $332M | $3.1B |
| Interest CoverageEBIT ÷ Interest expense | 3.95x | 6.78x |
Total Returns (with DRIP)
A $10,000 investment in FICO five years ago would be worth $29,863 today (with dividends reinvested), compared to $9,326 for OPFI. Over the past 12 months, OPFI leads with a -4.4% total return vs FICO's -25.3%. The 3-year compound annual growth rate (CAGR) favors OPFI at 65.4% vs FICO's 27.7% — a key indicator of consistent wealth creation.
| Metric | OPFIOppFi Inc. | FICOFair Isaac Corpor… |
|---|---|---|
| YTD ReturnYear-to-date | -10.9% | -14.2% |
| 1-Year ReturnPast 12 months | -4.4% | -25.3% |
| 3-Year ReturnCumulative with dividends | +352.6% | +108.1% |
| 5-Year ReturnCumulative with dividends | -6.7% | +198.6% |
| 10-Year ReturnCumulative with dividends | -3.0% | +1316.3% |
| CAGR (3Y)Annualised 3-year return | +65.4% | +27.7% |
Risk & Volatility
FICO is the less volatile stock with a 1.00 beta — it tends to amplify market swings less than OPFI's 1.51 beta. A beta below 1.0 means the stock typically moves less than the S&P 500.
| Metric | OPFIOppFi Inc. | FICOFair Isaac Corpor… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 1.51x | 1.00x |
| 52-Week HighHighest price in past year | $15.03 | $2217.60 |
| 52-Week LowLowest price in past year | $7.54 | $1193.10 |
| % of 52W HighCurrent price vs 52-week peak | +61.1% | +63.6% |
| RSI (14)Momentum oscillator 0–100 | 50.3 | 47.7 |
| Avg Volume (50D)Average daily shares traded | 419K | 244K |
Analyst Outlook
Wall Street rates OPFI as "Buy" and FICO as "Buy". Consensus price targets imply 49.8% upside for FICO (target: $2111) vs -21.0% for OPFI (target: $7). OPFI is the only dividend payer here at 1.28% yield — a key consideration for income-focused portfolios.
| Metric | OPFIOppFi Inc. | FICOFair Isaac Corpor… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Buy |
| Price TargetConsensus 12-month target | $7.25 | $2111.17 |
| # AnalystsCovering analysts | 4 | 18 |
| Dividend YieldAnnual dividend ÷ price | +1.3% | — |
| Dividend StreakConsecutive years of raises | 0 | 0 |
| Dividend / ShareAnnual DPS | $0.12 | — |
| Buyback YieldShare repurchases ÷ mkt cap | +0.6% | +4.2% |
Historical Charts
Charts are rendered on first load. Hover for details.
Chart 1Total Return — 5 Years (Rebased to 100)
| Stock | Nov 20 | Feb 26 | Change |
|---|---|---|---|
| OppFi Inc. (OPFI) | 100 | 98.78 | -1.2% |
| Fair Isaac Corporat… (FICO) | 100 | 303.95 | +204.0% |
Fair Isaac Corporat… (FICO) returned +199% over 5 years vs OppFi Inc. (OPFI)'s -7%. A $10,000 investment in FICO 5 years ago would be worth $29,863 today (including dividends reinvested).
Chart 2Revenue Growth — 10 Years
| Stock | 2016 | 2025 | Change |
|---|---|---|---|
| OppFi Inc. (OPFI) | $107M | $526M | +390.2% |
| Fair Isaac Corporat… (FICO) | $881M | $2.0B | +125.9% |
Fair Isaac Corporation's revenue grew from $881M (2016) to $2.0B (2025) — a 9.5% CAGR.
Chart 3Net Margin Trend — 10 Years
| Stock | 2016 | 2025 | Change |
|---|---|---|---|
| OppFi Inc. (OPFI) | 30.8% | 1.4% | -95.5% |
| Fair Isaac Corporat… (FICO) | 12.4% | 32.7% | +163.7% |
Fair Isaac Corporation's net margin went from 12% (2016) to 33% (2025).
Chart 4P/E Ratio History — 9 Years
| Stock | 2017 | 2025 | Change |
|---|---|---|---|
| OppFi Inc. (OPFI) | 1.7 | 21.3 | +1152.9% |
| Fair Isaac Corporat… (FICO) | 38.5 | 63.7 | +65.5% |
OppFi Inc. has traded in a 2x–41x P/E range over 4 years; current trailing P/E is ~26x. Fair Isaac Corporation has traded in a 32x–97x P/E range over 9 years; current trailing P/E is ~53x.
Chart 5EPS Growth — 10 Years
| Stock | 2016 | 2025 | Change |
|---|---|---|---|
| OppFi Inc. (OPFI) | 2.54 | 0.36 | -85.8% |
| Fair Isaac Corporat… (FICO) | 3.39 | 26.54 | +682.9% |
Fair Isaac Corporation's EPS grew from $3.39 (2016) to $26.54 (2025) — a 26% CAGR.
Chart 6Free Cash Flow — 5 Years
OppFi Inc. generated $311M FCF in 2024 (+103% vs 2021). Fair Isaac Corporation generated $770M FCF in 2025 (+85% vs 2021).
OPFI vs FICO: Frequently Asked Questions
9 questions · data-driven answers · updated daily
01Is OPFI or FICO a better buy right now?
OppFi Inc. (OPFI) offers the better valuation at 25.5x trailing P/E (5.3x forward), making it the more compelling value choice. Analysts rate OppFi Inc. (OPFI) a "Buy" — based on 4 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 — OPFI or FICO?
On trailing P/E, OppFi Inc. (OPFI) is the cheapest at 25.5x versus Fair Isaac Corporation at 53.1x. On forward P/E, OppFi Inc. is actually cheaper at 5.3x.
03Which is the better long-term investment — OPFI or FICO?
Over the past 5 years, Fair Isaac Corporation (FICO) delivered a total return of +198.6%, compared to -6.7% for OppFi Inc. (OPFI). A $10,000 investment in FICO five years ago would be worth approximately $30K today (assuming dividends reinvested). Over 10 years, the gap is even starker: FICO returned +1316% versus OPFI's -3.0%. 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 — OPFI or FICO?
By beta (market sensitivity over 5 years), Fair Isaac Corporation (FICO) is the lower-risk stock at 1.00β versus OppFi Inc.'s 1.51β — meaning OPFI is approximately 51% more volatile than FICO relative to the S&P 500.
05Which has better profit margins — OPFI or FICO?
Fair Isaac Corporation (FICO) is the more profitable company, earning 32.7% net margin versus 1.4% for OppFi Inc. — meaning it keeps 32.7% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: FICO leads at 46.5% versus 18.0% for OPFI. At the gross margin level — before operating expenses — FICO leads at 82.2%, 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 OPFI or FICO more undervalued right now?
On forward earnings alone, OppFi Inc. (OPFI) trades at 5.3x forward P/E versus 33.9x for Fair Isaac Corporation — 28.7x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for FICO: 49.8% to $2111.17.
07Which pays a better dividend — OPFI or FICO?
In this comparison, OPFI (1.3% yield) pays a dividend. FICO does not pay a meaningful dividend and should not be held primarily for income.
08Is OPFI or FICO better for a retirement portfolio?
For long-horizon retirement investors, Fair Isaac Corporation (FICO) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 1.00), +1316% 10Y return). OppFi Inc. (OPFI) carries a higher beta of 1.51 — meaning larger drawdowns in market downturns, which matters significantly when you cannot wait years for a recovery. Both have compounded well over 10 years (FICO: +1316%, OPFI: -3.0%), 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 OPFI and FICO?
Both stocks operate in the Technology sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both. OPFI pays a dividend while FICO does not, making them suitable for different income and tax situations. 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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