Comprehensive Stock Comparison
Compare OppFi Inc. (OPFI) vs Intuit Inc. (INTU) vs Fair Isaac Corporation (FICO) vs SS&C Technologies Holdings, Inc. (SSNC) 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 | FICO | 31.9% net margin vs OPFI's 0.7% |
| Stability / Safety | GWRE | Beta 0.88 vs OPFI's 1.51, lower leverage |
| Dividends | INTU | 1.0% yield, 14-year raise streak, vs SSNC's 1.3% |
| Momentum (1Y) | OPFI | -4.4% vs INTU's -32.6% |
| 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
Valuation efficiency (growth/$)
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.
Intuit is a financial technology company that provides software and services for small businesses, self-employed individuals, and consumers to manage their finances and taxes. It generates revenue primarily through subscription software—QuickBooks for small businesses (~60% of revenue) and TurboTax for consumer tax preparation (~30%)—plus payment processing and credit services. Its competitive moat comes from deep integration across its ecosystem—linking accounting, payroll, payments, and tax filing—which creates high switching costs for its millions of small business and individual customers.
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.
SS&C Technologies is a financial technology company that provides specialized software and software-enabled services to the financial services and healthcare industries. It generates revenue primarily through recurring software licensing fees and service contracts — with its financial services segment contributing roughly 90% of revenue — while its healthcare solutions make up the remainder. The company's competitive advantage lies in its deep domain expertise and comprehensive technology stack that creates high switching costs for clients who rely on its systems for mission-critical operations.
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 5 stocks. BestLagging
Financial Scorecard
OPFI leads in 2 of 6 categories (Valuation Metrics, Total Returns). FICO leads in 1 (Financial Metrics). 3 tied.
Financial Metrics (TTM)
INTU is the larger business by revenue, generating $20.1B annually — 35.1x 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%. On growth, GWRE holds the edge at +26.5% YoY revenue growth, suggesting stronger near-term business momentum.
| Metric | OPFIOppFi Inc. | INTUIntuit Inc. | FICOFair Isaac Corpor… | SSNCSS&C Technologies… | GWREGuidewire Softwar… |
|---|---|---|---|---|---|
| RevenueTrailing 12 months | $574M | $20.1B | $2.1B | $6.1B | $1.3B |
| EBITDAEarnings before interest/tax | $167M | $5.9B | $995M | $2.1B | $89M |
| Net IncomeAfter-tax profit | $4M | $4.3B | $658M | $852M | $92M |
| Free Cash FlowCash after capex | $360M | $6.8B | $735M | $1.6B | $286M |
| Gross MarginGross profit ÷ Revenue | +82.3% | +81.2% | +82.9% | +48.6% | +63.1% |
| Operating MarginEBIT ÷ Revenue | +28.0% | +27.1% | +47.5% | +23.2% | +5.1% |
| Net MarginNet income ÷ Revenue | +0.7% | +21.6% | +31.9% | +13.9% | +7.2% |
| FCF MarginFCF ÷ Revenue | +62.8% | +34.0% | +35.6% | +26.4% | +22.5% |
| Rev. Growth (YoY)Latest quarter vs prior year | +13.5% | +17.4% | +16.4% | +7.0% | +26.5% |
| EPS Growth (YoY)Latest quarter vs prior year | +216.8% | +47.9% | +7.7% | +27.7% | +2.3% |
Valuation Metrics
At 23.9x trailing earnings, SSNC trades at a 87% valuation discount to GWRE's 179.4x P/E. Adjusting for growth (PEG ratio), FICO offers better value at 1.94x vs SSNC's 3.96x — a lower PEG means you pay less per unit of expected earnings growth.
| Metric | OPFIOppFi Inc. | INTUIntuit Inc. | FICOFair Isaac Corpor… | SSNCSS&C Technologies… | GWREGuidewire Softwar… |
|---|---|---|---|---|---|
| Market CapShares × price | $589M | $114.2B | $33.5B | $18.3B | $12.3B |
| Enterprise ValueMkt cap + debt − cash | $860M | $117.9B | $36.4B | $18.1B | $12.3B |
| Trailing P/EPrice ÷ TTM EPS | 25.50x | 29.92x | 53.10x | 23.90x | 179.41x |
| Forward P/EPrice ÷ next-FY EPS est. | 5.28x | 17.64x | 33.93x | 10.97x | 49.27x |
| PEG RatioP/E ÷ EPS growth rate | — | 2.05x | 1.94x | 3.96x | — |
| EV / EBITDAEnterprise value multiple | 8.26x | 20.57x | 38.76x | 12.60x | 189.75x |
| Price / SalesMarket cap ÷ Revenue | 1.12x | 6.06x | 16.82x | 2.92x | 10.22x |
| Price / BookPrice ÷ Book value/share | 0.79x | 5.87x | — | 2.75x | 8.57x |
| Price / FCFMarket cap ÷ FCF | 1.90x | 18.77x | 43.50x | 11.02x | 41.62x |
Profitability & Efficiency
INTU delivers a 22.8% return on equity — every $100 of shareholder capital generates $23 in annual profit, vs $1 for OPFI. SSNC carries lower financial leverage with a 0.03x debt-to-equity ratio, signaling a more conservative balance sheet compared to OPFI's 1.42x. On the Piotroski fundamental quality scale (0–9), INTU scores 9/9 vs SSNC's 5/9, reflecting strong financial health.
| Metric | OPFIOppFi Inc. | INTUIntuit Inc. | FICOFair Isaac Corpor… | SSNCSS&C Technologies… | GWREGuidewire Softwar… |
|---|---|---|---|---|---|
| ROE (TTM)Return on equity | +1.4% | +22.8% | — | +12.2% | +6.0% |
| ROA (TTM)Return on assets | +0.5% | +12.7% | +35.5% | +4.4% | +3.5% |
| ROICReturn on invested capital | +14.0% | +16.5% | +59.7% | +10.8% | +2.3% |
| ROCEReturn on capital employed | +16.7% | +19.2% | +78.5% | +9.5% | +2.3% |
| Piotroski ScoreFundamental quality 0–9 | 6 | 9 | 7 | 5 | 7 |
| Debt / EquityFinancial leverage | 1.42x | 0.34x | — | 0.03x | 0.49x |
| Net DebtTotal debt minus cash | $271M | $3.8B | $2.9B | -$224M | $17M |
| Cash & Equiv.Liquid assets | $61M | $2.9B | $134M | $462M | $699M |
| Total DebtShort + long-term debt | $332M | $6.6B | $3.1B | $238M | $716M |
| Interest CoverageEBIT ÷ Interest expense | 3.95x | 428.27x | 6.78x | 3.27x | 5.92x |
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 INTU's -32.6%. The 3-year compound annual growth rate (CAGR) favors OPFI at 65.4% vs INTU's 1.1% — a key indicator of consistent wealth creation.
| Metric | OPFIOppFi Inc. | INTUIntuit Inc. | FICOFair Isaac Corpor… | SSNCSS&C Technologies… | GWREGuidewire Softwar… |
|---|---|---|---|---|---|
| YTD ReturnYear-to-date | -10.9% | -34.8% | -14.2% | -12.2% | -22.5% |
| 1-Year ReturnPast 12 months | -4.4% | -32.6% | -25.3% | -14.3% | -27.8% |
| 3-Year ReturnCumulative with dividends | +352.6% | +3.3% | +108.1% | +33.2% | +107.0% |
| 5-Year ReturnCumulative with dividends | -6.7% | +4.9% | +198.6% | +18.8% | +25.7% |
| 10-Year ReturnCumulative with dividends | -3.0% | +350.0% | +1316.3% | +179.4% | +195.2% |
| CAGR (3Y)Annualised 3-year return | +65.4% | +1.1% | +27.7% | +10.0% | +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. SSNC currently trades 82.7% from its 52-week high vs INTU's 50.3% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | OPFIOppFi Inc. | INTUIntuit Inc. | FICOFair Isaac Corpor… | SSNCSS&C Technologies… | GWREGuidewire Softwar… |
|---|---|---|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 1.51x | 0.93x | 1.00x | 0.89x | 0.88x |
| 52-Week HighHighest price in past year | $15.03 | $813.70 | $2217.60 | $91.07 | $272.60 |
| 52-Week LowLowest price in past year | $7.54 | $349.00 | $1193.10 | $69.00 | $120.75 |
| % of 52W HighCurrent price vs 52-week peak | +61.1% | +50.3% | +63.6% | +82.7% | +53.3% |
| RSI (14)Momentum oscillator 0–100 | 50.3 | 33.1 | 47.7 | 47.7 | 52.5 |
| Avg Volume (50D)Average daily shares traded | 419K | 2.7M | 244K | 1.6M | 1.3M |
Analyst Outlook
Analyst consensus: OPFI as "Buy", INTU as "Buy", FICO as "Buy", SSNC as "Buy", GWRE as "Buy". Consensus price targets imply 78.0% upside for INTU (target: $728) vs -21.0% for OPFI (target: $7). For income investors, SSNC offers the higher dividend yield at 1.33% vs INTU's 1.03%.
| Metric | OPFIOppFi Inc. | INTUIntuit Inc. | FICOFair Isaac Corpor… | SSNCSS&C Technologies… | GWREGuidewire Softwar… |
|---|---|---|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Buy | Buy | Buy | Buy |
| Price TargetConsensus 12-month target | $7.25 | $728.11 | $2111.17 | $101.14 | $253.50 |
| # AnalystsCovering analysts | 4 | 42 | 18 | 24 | 26 |
| Dividend YieldAnnual dividend ÷ price | +1.3% | +1.0% | — | +1.3% | — |
| Dividend StreakConsecutive years of raises | 0 | 14 | 0 | 12 | — |
| Dividend / ShareAnnual DPS | $0.12 | $4.20 | — | $1.00 | — |
| Buyback YieldShare repurchases ÷ mkt cap | +0.6% | +2.4% | +4.2% | +5.7% | 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% |
| Intuit Inc. (INTU) | 100 | 136.52 | +36.5% |
| Fair Isaac Corporat… (FICO) | 100 | 303.95 | +204.0% |
| SS&C Technologies H… (SSNC) | 100 | 117.81 | +17.8% |
| Guidewire Software,… (GWRE) | 100 | 112.07 | +12.1% |
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% |
| Intuit Inc. (INTU) | $4.7B | $18.8B | +301.2% |
| Fair Isaac Corporat… (FICO) | $881M | $2.0B | +125.9% |
| SS&C Technologies H… (SSNC) | $1.5B | $6.3B | +323.4% |
| Guidewire Software,… (GWRE) | $424M | $1.2B | +183.3% |
Intuit Inc.'s revenue grew from $4.7B (2016) to $18.8B (2025) — a 16.7% CAGR.
Chart 3Net Margin Trend — 10 Years
| Stock | 2016 | 2025 | Change |
|---|---|---|---|
| OppFi Inc. (OPFI) | 30.8% | 1.4% | -95.5% |
| Intuit Inc. (INTU) | 20.9% | 20.5% | -1.5% |
| Fair Isaac Corporat… (FICO) | 12.4% | 32.7% | +163.7% |
| SS&C Technologies H… (SSNC) | 8.8% | 12.7% | +43.7% |
| Guidewire Software,… (GWRE) | 3.5% | 5.8% | +64.5% |
Intuit Inc.'s net margin went from 21% (2016) to 21% (2025).
Chart 4P/E Ratio History — 9 Years
| Stock | 2017 | 2025 | Change |
|---|---|---|---|
| OppFi Inc. (OPFI) | 1.7 | 21.3 | +1152.9% |
| Intuit Inc. (INTU) | 42.4 | 48.5 | +14.4% |
| Fair Isaac Corporat… (FICO) | 38.5 | 63.7 | +65.5% |
| SS&C Technologies H… (SSNC) | 26.1 | 27.8 | +6.5% |
| 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. Intuit Inc. has traded in a 39x–85x P/E range over 9 years; current trailing P/E is ~30x.
Chart 5EPS Growth — 10 Years
| Stock | 2016 | 2025 | Change |
|---|---|---|---|
| OppFi Inc. (OPFI) | 2.54 | 0.36 | -85.8% |
| Intuit Inc. (INTU) | 3.04 | 13.67 | +349.7% |
| Fair Isaac Corporat… (FICO) | 3.39 | 26.54 | +682.9% |
| SS&C Technologies H… (SSNC) | 0.64 | 3.15 | +392.2% |
| Guidewire Software,… (GWRE) | 0.2 | 0.81 | +305.0% |
Intuit Inc.'s EPS grew from $3.04 (2016) to $13.67 (2025) — a 18% CAGR.
Chart 6Free Cash Flow — 5 Years
OppFi Inc. generated $311M FCF in 2024 (+103% vs 2021). Intuit Inc. generated $6B FCF in 2025 (+95% vs 2021).
OPFI vs INTU vs FICO vs SSNC vs GWRE: Key Questions Answered
9 questions · data-driven answers · updated daily
01Is OPFI or INTU or FICO or SSNC or GWRE a better buy right now?
SS&C Technologies Holdings, Inc. (SSNC) offers the better valuation at 23.9x trailing P/E (11.0x 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 INTU or FICO or SSNC or GWRE?
On trailing P/E, SS&C Technologies Holdings, Inc. (SSNC) is the cheapest at 23.9x versus Guidewire Software, Inc. at 179.4x. On forward P/E, OppFi Inc. is actually cheaper at 5.3x — notably different from the trailing picture, reflecting expected earnings growth. The PEG ratio (P/E divided by earnings growth rate) is the most growth-adjusted single valuation metric: Intuit Inc. wins at 1.21x versus SS&C Technologies Holdings, Inc.'s 1.82x — a reasonable growth-adjusted valuation.
03Which is the better long-term investment — OPFI or INTU or FICO or SSNC or GWRE?
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 INTU or FICO or SSNC 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, SS&C Technologies Holdings, Inc. (SSNC) carries a lower debt/equity ratio of 3% versus 142% for OppFi Inc. — giving it more financial flexibility in a downturn.
05Which has better profit margins — OPFI or INTU or FICO or SSNC or GWRE?
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 3.4% for GWRE. 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 INTU or FICO or SSNC or GWRE more undervalued right now?
The PEG ratio (forward P/E divided by expected earnings growth rate) is the most precise measure of undervaluation relative to growth potential. By this metric, Intuit Inc. (INTU) is the more undervalued stock at a PEG of 1.21x versus SS&C Technologies Holdings, Inc.'s 1.82x. A PEG below 1.5 suggests fair-to-attractive pricing relative to expected growth. 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 INTU: 78.0% to $728.11.
07Which pays a better dividend — OPFI or INTU or FICO or SSNC or GWRE?
In this comparison, SSNC (1.3% yield), OPFI (1.3% yield), INTU (1.0% yield) pay a dividend. FICO, GWRE do not pay a meaningful dividend and should not be held primarily for income.
08Is OPFI or INTU or FICO or SSNC or GWRE 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 INTU and FICO and SSNC 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, INTU, SSNC pay a dividend while FICO, GWRE do 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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