OPFI vs FISV

For growth investors, OppFi Inc.

(OPFI) is the stronger pick with 13. 5% revenue growth year-over-year, versus 3. 6% for Fiserv, Inc. (FISV). Fiserv, Inc. (FISV) offers the better valuation at 8. 9x trailing P/E (6. 9x forward), making it the more compelling value choice. Analysts rate OppFi Inc. (OPFI) a "Buy" — based on 5 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.

On trailing P/E, Fiserv, Inc.

(FISV) is the cheapest at 8. 9x versus OppFi Inc. at 9. 8x. On forward P/E, OppFi Inc. is actually cheaper at 5. 4x — notably different from the trailing picture, reflecting expected earnings growth.

Over the past 5 years, OppFi Inc.

(OPFI) delivered a total return of -0. 4%, compared to -52. 5% for Fiserv, Inc. (FISV). Over 10 years, the gap is even starker: FISV returned +9. 3% versus OPFI's +2. 7%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.

By beta (market sensitivity over 5 years), Fiserv, Inc.

(FISV) is the lower-risk stock at 0. 94β versus OppFi Inc. 's 1. 69β — meaning OPFI is approximately 79% more volatile than FISV relative to the S&P 500. On balance sheet safety, OppFi Inc. (OPFI) carries a lower debt/equity ratio of 110% versus 113% for Fiserv, Inc. — giving it more financial flexibility in a downturn.

By revenue growth (latest reported year), OppFi Inc.

(OPFI) is pulling ahead at 13. 5% versus 3. 6% for Fiserv, Inc. (FISV). On earnings-per-share growth, the picture is similar: OppFi Inc. grew EPS 175. 0% year-over-year, compared to 17. 8% for Fiserv, Inc.. Over a 3-year CAGR, OPFI leads at 9. 7% 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.

Fiserv, Inc.

(FISV) is the more profitable company, earning 16. 4% net margin versus 4. 4% for OppFi Inc. — meaning it keeps 16. 4% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: OPFI leads at 32. 4% versus 26. 9% for FISV. At the gross margin level — before operating expenses — OPFI leads at 95. 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.

On forward earnings alone, OppFi Inc.

(OPFI) trades at 5. 4x forward P/E versus 6. 9x for Fiserv, Inc. — 1. 5x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for FISV: 33. 0% to $74. 64.

In this comparison, OPFI (25.

1% yield) pays a dividend. FISV does not pay a meaningful dividend and should not be held primarily for income.

For long-horizon retirement investors, Fiserv, Inc.

(FISV) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 94)). OppFi Inc. (OPFI) carries a higher beta of 1. 69 — meaning larger drawdowns in market downturns, which matters significantly when you cannot wait years for a recovery. Both have compounded well over 10 years (FISV: +9. 3%, OPFI: +2. 7%), 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.

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 FISV 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.