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

Over the past 12 months, OPRT has underperformed COF, delivering a return of -1% compared to the COF's +10% growth.

Valuation Growth Profitability Solvency Stocks Performance
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OPRT
COF
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Stocks Compared:
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Valuation Comparison

OPRT Intrinsic Value
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COF Intrinsic Value
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Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Oportun Financial Corp
NASDAQ:OPRT
5.38 USD
Capital One Financial Corp
NYSE:COF
224.47 USD
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Valuation Scenario:
Bear Case
Base Case
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Growth Comparison

Growth Over Time
OPRT, COF

OPRT
COF
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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
Capital One Financial Corp
Revenue

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

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Profitability Comparison

Free Cash Flow
OPRT, COF

OPRT
COF
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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
Capital One Financial Corp
NYSE:COF
FCF is not applicable for financial companies
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What is Free Cash Flow?

Gross Margin

OPRT
0%
COF
LTM 3Y Avg 5Y Avg 10Y Avg
Oportun Financial Corp
Capital One Financial Corp
Not applicable for financial companies

Operating Margin

OPRT
10.1%
COF
LTM 3Y Avg 5Y Avg 10Y Avg
Oportun Financial Corp
Capital One Financial Corp
Not applicable for financial companies

Net Margin

OPRT
7.5%
COF
4.1%

FCF Margin

OPRT
90.7%
COF
LTM 3Y Avg 5Y Avg 10Y Avg
Oportun Financial Corp
Capital One Financial Corp
Not applicable for financial companies

ROE

OPRT
8.6%
COF
2.5%

ROA

OPRT
1%
COF
0.4%

ROIC

OPRT
1%
COF
LTM 3Y Avg 5Y Avg 10Y Avg
Oportun Financial Corp
Capital One Financial Corp
Not applicable for financial companies

ROCE

OPRT
1.3%
COF
LTM 3Y Avg 5Y Avg 10Y Avg
Oportun Financial Corp
Capital One Financial Corp
Not applicable for financial companies

Solvency Comparison

Oportun Financial Corp
Equity Waterfall
Assets
Liabilities
Equity
What is Equity Waterfall?
Capital One Financial Corp
Equity Waterfall
Assets
Liabilities
Equity
What is Equity Waterfall?
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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
OPRT, COF

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COF
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Performance Gap
OPRT, COF

Performance Gap Between OPRT and COF
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Performance By Year
OPRT, COF

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OPRT
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