Comprehensive Stock Comparison
Compare OppFi Inc. (OPFI) vs Guidewire Software, Inc. (GWRE) 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 | GWRE | 22.6% revenue growth vs OPFI's 3.3% |
| Value | OPFI | Lower P/E (5.3x vs 49.3x) |
| Quality / Margins | GWRE | 7.2% net margin vs OPFI's 0.7% |
| Stability / Safety | GWRE | Beta 0.88 vs OPFI's 1.51, lower leverage |
| Dividends | OPFI | 1.3% yield; GWRE pays no meaningful dividend |
| Momentum (1Y) | OPFI | -4.4% vs GWRE's -27.8% |
| Efficiency (ROA) | GWRE | 3.5% ROA vs OPFI's 0.5%, ROIC 2.3% 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.
Guidewire Software is a provider of core software systems for property and casualty insurers worldwide. It generates revenue primarily through software licenses, cloud subscriptions, and implementation services — with its InsuranceSuite platform being the main offering. The company's moat comes from deep industry-specific expertise, high switching costs for insurers, and a comprehensive product ecosystem that creates vendor lock-in.
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
OPFI leads in 3 of 6 categories (Financial Metrics, Valuation Metrics). GWRE leads in 1 (Profitability & Efficiency). 1 tied.
Financial Metrics (TTM)
GWRE is the larger business by revenue, generating $1.3B annually — 2.2x OPFI's $574M. GWRE is the more profitable business, keeping 7.2% of every revenue dollar as net income compared to OPFI's 0.7%. On growth, GWRE holds the edge at +26.5% YoY revenue growth, suggesting stronger near-term business momentum.
| Metric | OPFIOppFi Inc. | GWREGuidewire Softwar… |
|---|---|---|
| RevenueTrailing 12 months | $574M | $1.3B |
| EBITDAEarnings before interest/tax | $167M | $89M |
| Net IncomeAfter-tax profit | $4M | $92M |
| Free Cash FlowCash after capex | $360M | $286M |
| Gross MarginGross profit ÷ Revenue | +82.3% | +63.1% |
| Operating MarginEBIT ÷ Revenue | +28.0% | +5.1% |
| Net MarginNet income ÷ Revenue | +0.7% | +7.2% |
| FCF MarginFCF ÷ Revenue | +62.8% | +22.5% |
| Rev. Growth (YoY)Latest quarter vs prior year | +13.5% | +26.5% |
| EPS Growth (YoY)Latest quarter vs prior year | +216.8% | +2.3% |
Valuation Metrics
At 25.5x trailing earnings, OPFI trades at a 86% valuation discount to GWRE's 179.4x P/E. On an enterprise value basis, OPFI's 8.3x EV/EBITDA is more attractive than GWRE's 189.7x.
| Metric | OPFIOppFi Inc. | GWREGuidewire Softwar… |
|---|---|---|
| Market CapShares × price | $589M | $12.3B |
| Enterprise ValueMkt cap + debt − cash | $860M | $12.3B |
| Trailing P/EPrice ÷ TTM EPS | 25.50x | 179.41x |
| Forward P/EPrice ÷ next-FY EPS est. | 5.28x | 49.27x |
| PEG RatioP/E ÷ EPS growth rate | — | — |
| EV / EBITDAEnterprise value multiple | 8.26x | 189.75x |
| Price / SalesMarket cap ÷ Revenue | 1.12x | 10.22x |
| Price / BookPrice ÷ Book value/share | 0.79x | 8.57x |
| Price / FCFMarket cap ÷ FCF | 1.90x | 41.62x |
Profitability & Efficiency
GWRE delivers a 6.0% return on equity — every $100 of shareholder capital generates $6 in annual profit, vs $1 for OPFI. GWRE carries lower financial leverage with a 0.49x debt-to-equity ratio, signaling a more conservative balance sheet compared to OPFI's 1.42x. On the Piotroski fundamental quality scale (0–9), GWRE scores 7/9 vs OPFI's 6/9, reflecting strong financial health.
| Metric | OPFIOppFi Inc. | GWREGuidewire Softwar… |
|---|---|---|
| ROE (TTM)Return on equity | +1.4% | +6.0% |
| ROA (TTM)Return on assets | +0.5% | +3.5% |
| ROICReturn on invested capital | +14.0% | +2.3% |
| ROCEReturn on capital employed | +16.7% | +2.3% |
| Piotroski ScoreFundamental quality 0–9 | 6 | 7 |
| Debt / EquityFinancial leverage | 1.42x | 0.49x |
| Net DebtTotal debt minus cash | $271M | $17M |
| Cash & Equiv.Liquid assets | $61M | $699M |
| Total DebtShort + long-term debt | $332M | $716M |
| Interest CoverageEBIT ÷ Interest expense | 3.95x | 5.92x |
Total Returns (with DRIP)
A $10,000 investment in GWRE five years ago would be worth $12,565 today (with dividends reinvested), compared to $9,326 for OPFI. Over the past 12 months, OPFI leads with a -4.4% total return vs GWRE's -27.8%. The 3-year compound annual growth rate (CAGR) favors OPFI at 65.4% vs GWRE's 27.4% — a key indicator of consistent wealth creation.
| Metric | OPFIOppFi Inc. | GWREGuidewire Softwar… |
|---|---|---|
| YTD ReturnYear-to-date | -10.9% | -22.5% |
| 1-Year ReturnPast 12 months | -4.4% | -27.8% |
| 3-Year ReturnCumulative with dividends | +352.6% | +107.0% |
| 5-Year ReturnCumulative with dividends | -6.7% | +25.7% |
| 10-Year ReturnCumulative with dividends | -3.0% | +195.2% |
| CAGR (3Y)Annualised 3-year return | +65.4% | +27.4% |
Risk & Volatility
GWRE is the less volatile stock with a 0.88 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. OPFI currently trades 61.1% from its 52-week high vs GWRE's 53.3% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | OPFIOppFi Inc. | GWREGuidewire Softwar… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 1.51x | 0.88x |
| 52-Week HighHighest price in past year | $15.03 | $272.60 |
| 52-Week LowLowest price in past year | $7.54 | $120.75 |
| % of 52W HighCurrent price vs 52-week peak | +61.1% | +53.3% |
| RSI (14)Momentum oscillator 0–100 | 50.3 | 52.5 |
| Avg Volume (50D)Average daily shares traded | 419K | 1.3M |
Analyst Outlook
Wall Street rates OPFI as "Buy" and GWRE as "Buy". Consensus price targets imply 74.4% upside for GWRE (target: $254) 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. | GWREGuidewire Softwar… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Buy |
| Price TargetConsensus 12-month target | $7.25 | $253.50 |
| # AnalystsCovering analysts | 4 | 26 |
| Dividend YieldAnnual dividend ÷ price | +1.3% | — |
| Dividend StreakConsecutive years of raises | 0 | — |
| Dividend / ShareAnnual DPS | $0.12 | — |
| Buyback YieldShare repurchases ÷ mkt cap | +0.6% | 0.0% |
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% |
| Guidewire Software,… (GWRE) | 100 | 112.07 | +12.1% |
Guidewire Software,… (GWRE) returned +26% over 5 years vs OppFi Inc. (OPFI)'s -7%. A $10,000 investment in GWRE 5 years ago would be worth $12,565 today (including dividends reinvested).
Chart 2Revenue Growth — 10 Years
| Stock | 2016 | 2025 | Change |
|---|---|---|---|
| OppFi Inc. (OPFI) | $107M | $526M | +390.2% |
| Guidewire Software,… (GWRE) | $424M | $1.2B | +183.3% |
Guidewire Software, Inc.'s revenue grew from $424M (2016) to $1.2B (2025) — a 12.3% CAGR.
Chart 3Net Margin Trend — 10 Years
| Stock | 2016 | 2025 | Change |
|---|---|---|---|
| OppFi Inc. (OPFI) | 30.8% | 1.4% | -95.5% |
| Guidewire Software,… (GWRE) | 3.5% | 5.8% | +64.5% |
Guidewire Software, Inc.'s net margin went from 4% (2016) to 6% (2025).
Chart 4P/E Ratio History — 7 Years
| Stock | 2017 | 2025 | Change |
|---|---|---|---|
| OppFi Inc. (OPFI) | 1.7 | 21.3 | +1152.9% |
| Guidewire Software,… (GWRE) | 309.4 | 248.2 | -19.8% |
OppFi Inc. has traded in a 2x–41x P/E range over 4 years; current trailing P/E is ~26x. Guidewire Software, Inc. has traded in a 248x–439x P/E range over 3 years; current trailing P/E is ~179x.
Chart 5EPS Growth — 10 Years
| Stock | 2016 | 2025 | Change |
|---|---|---|---|
| OppFi Inc. (OPFI) | 2.54 | 0.36 | -85.8% |
| Guidewire Software,… (GWRE) | 0.2 | 0.81 | +305.0% |
Guidewire Software, Inc.'s EPS grew from $0.20 (2016) to $0.81 (2025) — a 17% CAGR.
Chart 6Free Cash Flow — 5 Years
OppFi Inc. generated $311M FCF in 2024 (+103% vs 2021). Guidewire Software, Inc. generated $295M FCF in 2025 (+257% vs 2021).
OPFI vs GWRE: Frequently Asked Questions
9 questions · data-driven answers · updated daily
01Is OPFI or GWRE 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 GWRE?
On trailing P/E, OppFi Inc. (OPFI) is the cheapest at 25.5x versus Guidewire Software, Inc. at 179.4x. On forward P/E, OppFi Inc. is actually cheaper at 5.3x.
03Which is the better long-term investment — OPFI or GWRE?
Over the past 5 years, Guidewire Software, Inc. (GWRE) delivered a total return of +25.7%, compared to -6.7% for OppFi Inc. (OPFI). A $10,000 investment in GWRE five years ago would be worth approximately $13K today (assuming dividends reinvested). Over 10 years, the gap is even starker: GWRE returned +195.2% 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 GWRE?
By beta (market sensitivity over 5 years), Guidewire Software, Inc. (GWRE) is the lower-risk stock at 0.88β versus OppFi Inc.'s 1.51β — meaning OPFI is approximately 71% more volatile than GWRE relative to the S&P 500. On balance sheet safety, Guidewire Software, Inc. (GWRE) carries a lower debt/equity ratio of 49% versus 142% for OppFi Inc. — giving it more financial flexibility in a downturn.
05Which has better profit margins — OPFI or GWRE?
Guidewire Software, Inc. (GWRE) is the more profitable company, earning 5.8% net margin versus 1.4% for OppFi Inc. — meaning it keeps 5.8% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: OPFI leads at 18.0% versus 3.4% for GWRE. At the gross margin level — before operating expenses — OPFI leads at 80.0%, 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 GWRE more undervalued right now?
On forward earnings alone, OppFi Inc. (OPFI) trades at 5.3x forward P/E versus 49.3x for Guidewire Software, Inc. — 44.0x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for GWRE: 74.4% to $253.50.
07Which pays a better dividend — OPFI or GWRE?
In this comparison, OPFI (1.3% yield) pays a dividend. GWRE does not pay a meaningful dividend and should not be held primarily for income.
08Is OPFI or GWRE better for a retirement portfolio?
For long-horizon retirement investors, Guidewire Software, Inc. (GWRE) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0.88), +195.2% 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 (GWRE: +195.2%, 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 GWRE?
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 GWRE 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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