Comprehensive Stock Comparison
Compare OppFi Inc. (OPFI) vs SS&C Technologies Holdings, Inc. (SSNC) 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 | SSNC | 6.6% revenue growth vs OPFI's 3.3% |
| Value | OPFI | Lower P/E (5.3x vs 11.0x) |
| Quality / Margins | SSNC | 13.9% net margin vs OPFI's 0.7% |
| Stability / Safety | SSNC | Beta 0.89 vs OPFI's 1.51, lower leverage |
| Dividends | SSNC | 1.3% yield, 12-year raise streak, vs OPFI's 1.3% |
| Momentum (1Y) | OPFI | -4.4% vs SSNC's -14.3% |
| Efficiency (ROA) | SSNC | 4.4% ROA vs OPFI's 0.5%, ROIC 10.8% 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.
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.
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). SSNC leads in 3 (Profitability & Efficiency, Risk & Volatility).
Financial Metrics (TTM)
SSNC is the larger business by revenue, generating $6.1B annually — 10.7x OPFI's $574M. SSNC is the more profitable business, keeping 13.9% of every revenue dollar as net income compared to OPFI's 0.7%. On growth, OPFI holds the edge at +13.5% YoY revenue growth, suggesting stronger near-term business momentum.
| Metric | OPFIOppFi Inc. | SSNCSS&C Technologies… |
|---|---|---|
| RevenueTrailing 12 months | $574M | $6.1B |
| EBITDAEarnings before interest/tax | $167M | $2.1B |
| Net IncomeAfter-tax profit | $4M | $852M |
| Free Cash FlowCash after capex | $360M | $1.6B |
| Gross MarginGross profit ÷ Revenue | +82.3% | +48.6% |
| Operating MarginEBIT ÷ Revenue | +28.0% | +23.2% |
| Net MarginNet income ÷ Revenue | +0.7% | +13.9% |
| FCF MarginFCF ÷ Revenue | +62.8% | +26.4% |
| Rev. Growth (YoY)Latest quarter vs prior year | +13.5% | +7.0% |
| EPS Growth (YoY)Latest quarter vs prior year | +216.8% | +27.7% |
Valuation Metrics
At 23.9x trailing earnings, SSNC trades at a 6% valuation discount to OPFI's 25.5x P/E. On an enterprise value basis, OPFI's 8.3x EV/EBITDA is more attractive than SSNC's 12.6x.
| Metric | OPFIOppFi Inc. | SSNCSS&C Technologies… |
|---|---|---|
| Market CapShares × price | $589M | $18.3B |
| Enterprise ValueMkt cap + debt − cash | $860M | $18.1B |
| Trailing P/EPrice ÷ TTM EPS | 25.50x | 23.90x |
| Forward P/EPrice ÷ next-FY EPS est. | 5.28x | 10.97x |
| PEG RatioP/E ÷ EPS growth rate | — | 3.96x |
| EV / EBITDAEnterprise value multiple | 8.26x | 12.60x |
| Price / SalesMarket cap ÷ Revenue | 1.12x | 2.92x |
| Price / BookPrice ÷ Book value/share | 0.79x | 2.75x |
| Price / FCFMarket cap ÷ FCF | 1.90x | 11.02x |
Profitability & Efficiency
SSNC delivers a 12.2% return on equity — every $100 of shareholder capital generates $12 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), OPFI scores 6/9 vs SSNC's 5/9, reflecting solid financial health.
| Metric | OPFIOppFi Inc. | SSNCSS&C Technologies… |
|---|---|---|
| ROE (TTM)Return on equity | +1.4% | +12.2% |
| ROA (TTM)Return on assets | +0.5% | +4.4% |
| ROICReturn on invested capital | +14.0% | +10.8% |
| ROCEReturn on capital employed | +16.7% | +9.5% |
| Piotroski ScoreFundamental quality 0–9 | 6 | 5 |
| Debt / EquityFinancial leverage | 1.42x | 0.03x |
| Net DebtTotal debt minus cash | $271M | -$224M |
| Cash & Equiv.Liquid assets | $61M | $462M |
| Total DebtShort + long-term debt | $332M | $238M |
| Interest CoverageEBIT ÷ Interest expense | 3.95x | 3.27x |
Total Returns (with DRIP)
A $10,000 investment in SSNC five years ago would be worth $11,876 today (with dividends reinvested), compared to $9,326 for OPFI. Over the past 12 months, OPFI leads with a -4.4% total return vs SSNC's -14.3%. The 3-year compound annual growth rate (CAGR) favors OPFI at 65.4% vs SSNC's 10.0% — a key indicator of consistent wealth creation.
| Metric | OPFIOppFi Inc. | SSNCSS&C Technologies… |
|---|---|---|
| YTD ReturnYear-to-date | -10.9% | -12.2% |
| 1-Year ReturnPast 12 months | -4.4% | -14.3% |
| 3-Year ReturnCumulative with dividends | +352.6% | +33.2% |
| 5-Year ReturnCumulative with dividends | -6.7% | +18.8% |
| 10-Year ReturnCumulative with dividends | -3.0% | +179.4% |
| CAGR (3Y)Annualised 3-year return | +65.4% | +10.0% |
Risk & Volatility
SSNC is the less volatile stock with a 0.89 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 OPFI's 61.1% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | OPFIOppFi Inc. | SSNCSS&C Technologies… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 1.51x | 0.89x |
| 52-Week HighHighest price in past year | $15.03 | $91.07 |
| 52-Week LowLowest price in past year | $7.54 | $69.00 |
| % of 52W HighCurrent price vs 52-week peak | +61.1% | +82.7% |
| RSI (14)Momentum oscillator 0–100 | 50.3 | 47.7 |
| Avg Volume (50D)Average daily shares traded | 419K | 1.6M |
Analyst Outlook
Wall Street rates OPFI as "Buy" and SSNC as "Buy". Consensus price targets imply 34.3% upside for SSNC (target: $101) vs -21.0% for OPFI (target: $7). For income investors, SSNC offers the higher dividend yield at 1.33% vs OPFI's 1.28%.
| Metric | OPFIOppFi Inc. | SSNCSS&C Technologies… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Buy |
| Price TargetConsensus 12-month target | $7.25 | $101.14 |
| # AnalystsCovering analysts | 4 | 24 |
| Dividend YieldAnnual dividend ÷ price | +1.3% | +1.3% |
| Dividend StreakConsecutive years of raises | 0 | 12 |
| Dividend / ShareAnnual DPS | $0.12 | $1.00 |
| Buyback YieldShare repurchases ÷ mkt cap | +0.6% | +5.7% |
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% |
| SS&C Technologies H… (SSNC) | 100 | 117.81 | +17.8% |
SS&C Technologies H… (SSNC) returned +19% over 5 years vs OppFi Inc. (OPFI)'s -7%. A $10,000 investment in SSNC 5 years ago would be worth $11,876 today (including dividends reinvested).
Chart 2Revenue Growth — 10 Years
| Stock | 2016 | 2025 | Change |
|---|---|---|---|
| OppFi Inc. (OPFI) | $107M | $526M | +390.2% |
| SS&C Technologies H… (SSNC) | $1.5B | $6.3B | +323.4% |
SS&C Technologies Holdings, Inc.'s revenue grew from $1.5B (2016) to $6.3B (2025) — a 17.4% CAGR.
Chart 3Net Margin Trend — 10 Years
| Stock | 2016 | 2025 | Change |
|---|---|---|---|
| OppFi Inc. (OPFI) | 30.8% | 1.4% | -95.5% |
| SS&C Technologies H… (SSNC) | 8.8% | 12.7% | +43.7% |
SS&C Technologies Holdings, Inc.'s net margin went from 9% (2016) to 13% (2025).
Chart 4P/E Ratio History — 9 Years
| Stock | 2017 | 2025 | Change |
|---|---|---|---|
| OppFi Inc. (OPFI) | 1.7 | 21.3 | +1152.9% |
| SS&C Technologies H… (SSNC) | 26.1 | 27.8 | +6.5% |
OppFi Inc. has traded in a 2x–41x P/E range over 4 years; current trailing P/E is ~26x. SS&C Technologies Holdings, Inc. has traded in a 21x–107x P/E range over 9 years; current trailing P/E is ~24x.
Chart 5EPS Growth — 10 Years
| Stock | 2016 | 2025 | Change |
|---|---|---|---|
| OppFi Inc. (OPFI) | 2.54 | 0.36 | -85.8% |
| SS&C Technologies H… (SSNC) | 0.64 | 3.15 | +392.2% |
SS&C Technologies Holdings, Inc.'s EPS grew from $0.64 (2016) to $3.15 (2025) — a 19% CAGR.
Chart 6Free Cash Flow — 5 Years
OppFi Inc. generated $311M FCF in 2024 (+103% vs 2021). SS&C Technologies Holdings, Inc. generated $2B FCF in 2025 (+29% vs 2021).
OPFI vs SSNC: Frequently Asked Questions
9 questions · data-driven answers · updated daily
01Is OPFI or SSNC 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 SSNC?
On trailing P/E, SS&C Technologies Holdings, Inc. (SSNC) is the cheapest at 23.9x versus OppFi Inc. at 25.5x. On forward P/E, OppFi Inc. is actually cheaper at 5.3x — notably different from the trailing picture, reflecting expected earnings growth.
03Which is the better long-term investment — OPFI or SSNC?
Over the past 5 years, SS&C Technologies Holdings, Inc. (SSNC) delivered a total return of +18.8%, compared to -6.7% for OppFi Inc. (OPFI). A $10,000 investment in SSNC five years ago would be worth approximately $12K today (assuming dividends reinvested). Over 10 years, the gap is even starker: SSNC returned +179.4% 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 SSNC?
By beta (market sensitivity over 5 years), SS&C Technologies Holdings, Inc. (SSNC) is the lower-risk stock at 0.89β versus OppFi Inc.'s 1.51β — meaning OPFI is approximately 69% more volatile than SSNC 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 SSNC?
SS&C Technologies Holdings, Inc. (SSNC) is the more profitable company, earning 12.7% net margin versus 1.4% for OppFi Inc. — meaning it keeps 12.7% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: SSNC leads at 22.9% versus 18.0% for OPFI. 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 SSNC more undervalued right now?
On forward earnings alone, OppFi Inc. (OPFI) trades at 5.3x forward P/E versus 11.0x for SS&C Technologies Holdings, Inc. — 5.7x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for SSNC: 34.3% to $101.14.
07Which pays a better dividend — OPFI or SSNC?
All stocks in this comparison pay dividends. SS&C Technologies Holdings, Inc. (SSNC) offers the highest yield at 1.3%, versus 1.3% for OppFi Inc. (OPFI).
08Is OPFI or SSNC better for a retirement portfolio?
For long-horizon retirement investors, SS&C Technologies Holdings, Inc. (SSNC) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0.89), 1.3% yield, +179.4% 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 (SSNC: +179.4%, 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 SSNC?
Both stocks operate in the Technology sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both. 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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