OPRT vs VEL: stock comparison and AI forecast
Oportun Financial Corp (OPRT) and Velocity Financial, Inc. (VEL) compared on price performance, valuation, profitability and the daily AI forecast. · Alpha · vs market
Share
OPRT Oportun Financial Corp
- Market Cap
- $533M
- P/E Ratio
- 13.3x
- Size
- small-cap
- AI Forecast
VEL Velocity Financial, Inc.
- Market Cap
- $689M
- P/E Ratio
- 6.5x
- Size
- small-cap
- AI Forecast
Which one does the AI model favor?
Intratio's model scores both stocks every trading day. Sign in to see their current direction; the exact ratings and forecasts come with a plan or a free follow slot.
Key facts
- VEL is 1.3 times larger than OPRT by market capitalization ($689M against $533M).
- VEL trades at 6.5 times trailing earnings, OPRT at 13.3 times.
- VEL carries 10.03 times debt per unit of equity, against 6.41 times for OPRT.
- Both companies share the SEC industry classification Finance Services.
Fundamentals side by side
Trailing twelve months.
Valuation & Market
| Metric | OPRT | VEL |
|---|---|---|
| Market Cap | $533M | $689M |
| P/E Ratio | 13.33x | 6.46x |
| P/B Ratio | 1.23x | 0.95x |
| EPS | $0.87 | $2.70 |
| Book Value/Share | $9.43 | $18.28 |
| Revenue/Share | $20.79 | – |
| FCF/Share | – | $0.57 |
Profitability & Margins
| Metric | OPRT | VEL |
|---|---|---|
| ROE | 8.6% | 14.9% |
| ROA | 1.2% | 1.4% |
| Net Margin | 3.9% | – |
| EBT Margin | 6.3% | – |
| Tax Rate | 38.3% | 28.6% |
Financial Health
| Metric | OPRT | VEL |
|---|---|---|
| D/E Ratio | 6.41x | 10.03x |
| Financial Leverage | 7.41x | 11.04x |
Cash Flow
| Metric | OPRT | VEL |
|---|---|---|
| Operating Cash Flow | $441M | $23M |
| Free Cash Flow | – | $23M |
| Capital Spending | – | -$260K |
| OCF Growth YoY | 11.3% | -15.3% |
| FCF Growth YoY | – | -15.2% |
Operational Efficiency
| Metric | OPRT | VEL |
|---|---|---|
| Asset Turnover | 0.30x | – |
| Fixed Assets Turnover | 552.3x | – |
Income Statement
| Metric | OPRT | VEL |
|---|---|---|
| Total Revenue | $956M | – |
| Net Income | $37M | $108M |
| SG&A Expense | $21M | – |
Dividend & Shareholder Information
| Metric | OPRT | VEL |
|---|---|---|
| Shares Outstanding | 46M | 39M |
| Net Income Growth | 21.7% | 32.5% |
| EPS Growth | – | 23.9% |
OPRT vs VEL: stock comparison and AI forecast
Which is bigger, OPRT or VEL?
VEL is 1.3 times larger than OPRT by market capitalization ($689M against $533M).
Which is cheaper on earnings, OPRT or VEL?
VEL trades at 6.5 times trailing earnings, OPRT at 13.3 times.
Which one does Intratio's AI model rank higher, OPRT or VEL?
Intratio's model scores both stocks every trading day. Sign in to see their current direction; the exact ratings and forecasts come with a plan or a free follow slot.
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This analysis is generated automatically using our proprietary AI systems and should not be considered personalized investment advice. Past performance does not guarantee future results. Always conduct your own research and consider consulting a financial advisor before making investment decisions.