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STOCK COMPARISON

OppFi vs Visa Inc. Class A: Fair Value & Quality

Both stocks run through our valuation models. Here is how OppFi (OPFI) and Visa Inc. Class A (V) compare, as of Aug 10, 2026.

As of Aug 10, 2026, Fair Value Calculator sees Visa Inc. Class A as the less overvalued of the two: OppFi trades at $9.40 versus a fair value of $3.41 (-64%), while Visa Inc. Class A trades at $363 versus $204 (-44%).
OppFi
OPFI · USD · Financials
-64%
upside to fair value
overvalued
Price$9.40
Fair Value$3.41
Quality65/100
Visa Inc. Class A
V · USD · Financials
-44%
upside to fair value
overvalued
Price$363
Fair Value$204
Quality82/100

Head-to-head numbers

Green value = the better side for that row (for valuation multiples: lower = cheaper).

OppFiVisa Inc. Class A
Valuation
4.2×P/E (TTM)30.4×
3.57×P/S (TTM)15.42×
20.76×P/B17.51×
7.4×EV/EBITDA22.0×
—PEG1.53×
—Dividend yield0.8%
—Dividend per share$2.60
Profitability
19%Net margin52%
45%Operating margin67%
62%Return on equity60%
26%Return on assets19%
Growth
-2%Revenue growth (YoY)17%
9.7%Avg. growth/yr (3Y)10.9%
15.5%Avg. growth/yr (5Y)12.9%
Balance & size
5.50×Debt / equity0.52×
$1BMarket cap$664B
healthyGrowth qualityhealthy

Even match: 6 to 6 metric wins.

Dash = not meaningfully computable, for example with negative equity.

Quality in detail

The quality score, broken down into the same factor families as on the stock page, 0 to 100 per family.

OppFiof which business quality 61 · market factors 27 Visa Inc. Class Aof which business quality 76 · market factors 65
ProfitabilityMargins and returns on capital today
64
76
Quality GrowthAre margins and returns improving?
54
41
CashflowEarnings quality: real cash, not paper profit
100
85
Fin. StrengthBalance sheet, leverage, solvency risk
22
71
InvestmentDisciplined investing over empire-building
74
85
Low VolatilityCalm price path (market factor)
16
83
MomentumPrice trend over the last 3–12 months (market factor)
37
52
52W MomentumDistance to the 52-week high (market factor)
24
69
Net IssuanceBuybacks instead of dilution
50
100

What the models say

The median fair value (base case) per model family, each in the currency of its trading venue. Green = above the current price, red = below.

OppFi

DCF Models$26.76
Earnings-Based$10.68
Dividend Discount$10.18
Multiples$2.49
Asset-Based$0.46
Growth DCF$63.95
Economic Profit$1.87

6 of 13 models see the stock below the current price.

Visa Inc. Class A

DCF Models$236
Earnings-Based$269
Multiples$94.55
Asset-Based$15.30
Growth DCF$219
Economic Profit$190

10 of 11 models see the stock below the current price.

Scenario ranges

From our cautious bear case to the optimistic bull case. The white tick is the current price: left of fair value means room to run.

OppFi
Bear $2.56Fair Value $3.41Bull $4.26
$9.40 = current price (white tick)
Visa Inc. Class A
Bear $122Fair Value $204Bull $335
$363 = current price (white tick)

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Ranked within their sector

Where each stock sits within its sector peer group. Band = middle 50% of peers, tick = median, dot = this stock.

OppFi · Financials

Quality score65 · Top 25%
Fair value upside-64% · bottom 25%

Visa Inc. Class A · Financials

Quality score82 · Top 25%
Fair value upside-44% · bottom 25%

Bottom line

As of Aug 10, 2026, Fair Value Calculator sees Visa Inc. Class A as the less overvalued of the two: OppFi trades at $9.40 versus a fair value of $3.41 (-64%), while Visa Inc. Class A trades at $363 versus $204 (-44%).

Visa Inc. Class A has the higher quality score (82/100).

See the full analysis →
OppFi · Visa Inc. Class A

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A model-based valuation snapshot from 21 models. Values change with price and fundamentals; the date shown above applies.