` Comparison: OPRT vs AXP - Alpha Spread
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OPRT
vs
AXP

Over the past 12 months, OPRT has underperformed AXP, delivering a return of -43% compared to the AXP's +8% growth.

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OPRT
AXP
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Stocks Compared:
OPRT AXP
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Valuation Comparison

OPRT Intrinsic Value
41.78 USD
Undervaluation 88%
Intrinsic Value
Price
AXP Intrinsic Value
410.77 USD
Undervaluation 18%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Oportun Financial Corp
NASDAQ:OPRT
4.96 USD
American Express Co
NYSE:AXP
337.5 USD
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Valuation Scenario:
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Growth Comparison

Growth Over Time
OPRT, AXP

OPRT
AXP
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Revenue
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Company LTM Historical Growth Growth Streak % Positive Years Max Drawdown Volatility Forecasted Growth
3 Years 5 Years 10 Years 1 Year 3 Years
Oportun Financial Corp
Revenue
American Express Co
Revenue

All metrics are calculated based on data from the last 10 years.

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Profitability Comparison

Free Cash Flow
OPRT, AXP

OPRT
AXP
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Free Cash Flow
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Company LTM Average Historical Growth FCF Margin Conversion
3 Years 5 Years 3 Years 5 Years 10 Years
Oportun Financial Corp
NASDAQ:OPRT
American Express Co
NYSE:AXP
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What is Free Cash Flow?

Gross Margin

OPRT
0%
AXP
61.5%

Operating Margin

OPRT
10.1%
AXP
17.8%

Net Margin

OPRT
7.5%
AXP
13.8%

FCF Margin

OPRT
90.7%
AXP
24.4%

ROE

OPRT
8.6%
AXP
34.1%

ROA

OPRT
1%
AXP
3.8%

ROIC

OPRT
1%
AXP
4.8%

ROCE

OPRT
1.3%
AXP
11.1%

Solvency Comparison

Oportun Financial Corp
Equity Waterfall
Assets
Liabilities
Equity
What is Equity Waterfall?
American Express Co
Equity Waterfall
Assets
Liabilities
Equity
What is Equity Waterfall?
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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
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1Y 3Y 5Y 10Y 15Y 20Y
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Performance Gap
OPRT, AXP

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OPRT
AXP
Difference
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1Y 3Y 5Y 10Y 15Y 20Y

Performance By Year
OPRT, AXP

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