OPFI
OppFi Inc.
OPFI trails on the overall score without a compensating advantage in the available component scores.
PLTR
Palantir Technologies Inc.
PLTR has the edge over OPFI overall, supported by stronger fundamentals and stronger valuation.
OPFI Fundamentals
| Metric | Status |
|---|---|
| Under pressure | |
| Strong | |
| Strong | |
| Stable |
OPFI's profitability and cash flow are currently strong, and its balance sheet is stable, but its revenue is under pressure.
PLTR Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Strong | |
| Strong | |
| Strong |
PLTR's revenue, profitability, cash flow and balance sheet are all currently strong.
OPFI PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Current | 2.3x | $5.91 | — |
| Cheap | 4x | $10.45 | +77% |
| Forward | 4x | $5.91 | — |
| Fair | 34x | $89.45 | +1414% |
| Expensive | 127x | $333 | +5529% |
Historical ranges are pointers, not guarantees.
OPFI's PE is in its cheap range at 2.3x. On analysts' estimates for next year's earnings, today's price would be 4.0x.
PLTR PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 75x | $172 | — |
| Current | 120x | $172 | — |
| Cheap | 165x | $236 | +37% |
| Fair | 251x | $359 | +109% |
| Expensive | 452x | $646 | +277% |
Historical ranges are pointers, not guarantees.
PLTR has the edge over OPFI in the historical PE scenario, which offers more potential upside but is not a forecast.
OPFI Forward outlook
| Metric | Outlook |
|---|---|
| Strongly deteriorating | |
| Stable | |
| Stable | |
| Stable | |
| Limited | |
| Moderate |
Analysts expect OPFI's earnings, revenue and profitability to hold roughly steady.
PLTR Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Moderate | |
| Moderate |
PLTR has the edge over OPFI on the outlook, with more favorable valuation and earnings expectations.
OPFI Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $1.47 | -44% |
| Q3 2026 | $2.62 | +$3.22 |
| Q2 2026 | $2.99 | +$4.15 |
| Q1 2026 | $2.03 | +$2.25 |
| Q4 2025 | $0.99 | +175% |
| Q3 2025 | -$0.60 | -600% |
| Q2 2025 | -$1.16 | -3000% |
| Q1 2025 | -$0.22 | -1200% |
| Q4 2024 | $0.36 | +$0.42 |
OPFI has returned to profit: it earned $2.62 per share over the past year, after losing money the year before.
PLTR Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $2.30 | +61% |
| Q3 2026 | $1.43 | +240% |
| Q2 2026 | $1.17 | +290% |
| Q1 2026 | $0.89 | +287% |
| Q4 2025 | $0.63 | +232% |
| Q3 2025 | $0.42 | +110% |
| Q2 2025 | $0.30 | +76% |
| Q1 2025 | $0.23 | +92% |
| Q4 2024 | $0.19 | +111% |
PLTR has the edge over OPFI on earnings, with more consistent year-over-year improvement.
OPFI Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $92.8M | -11% |
| Q2 2026 | $86.2M | -14% |
| Q1 2026 | $87.3M | -3.9% |
| Q4 2025 | $85.6M | +5.9% |
| Q3 2025 | $104.6M | +15% |
| Q2 2025 | $100.2M | +16% |
| Q1 2025 | $90.8M | +44% |
| Q4 2024 | $80.8M | +23% |
OPFI's revenue is shrinking: $93M last quarter, down 11% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 40% | -6.4 points |
| Q2 2026 | 28% | -16 points |
| Q1 2026 | 41% | -6.3 points |
| Q4 2025 | 36% | +5.6 points |
| Q3 2025 | 46% | +7.8 points |
| Q2 2025 | 45% | +11 points |
| Q1 2025 | 47% | +38 points |
| Q4 2024 | 31% | +17 points |
OPFI's operating margin was 40% last quarter, down 6.4 points from the same quarter a year ago.
PLTR Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $2.3B | +96% |
| Q2 2026 | $1.9B | +93% |
| Q1 2026 | $1.6B | +85% |
| Q4 2025 | $1.4B | +70% |
| Q3 2025 | $1.2B | +63% |
| Q2 2025 | $1B | +48% |
| Q1 2025 | $883.9M | +39% |
| Q4 2024 | $827.5M | +36% |
PLTR has the edge over OPFI on sales, with more consistent year-over-year improvement.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 47% | +14 points |
| Q2 2026 | 47% | +20 points |
| Q1 2026 | 46% | +26 points |
| Q4 2025 | 41% | +40 points |
| Q3 2025 | 33% | +18 points |
| Q2 2025 | 27% | +11 points |
| Q1 2025 | 20% | +7.2 points |
| Q4 2024 | 1.3% | -9.5 points |
PLTR has the edge over OPFI on profitability, with a higher operating margin.
OPFI Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $81.5M | -18% |
| Q2 2026 | $87.4M | -3.9% |
| Q1 2026 | $85.6M | +7.9% |
| Q4 2025 | $111.9M | +24% |
| Q3 2025 | $99.9M | +36% |
| Q2 2025 | $91M | +22% |
| Q1 2025 | $79.4M | +9.8% |
| Q4 2024 | $90.1M | +12% |
OPFI generated $366M in free cash flow over the past year, up 1.7% from the year before.
PLTR Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $1.2B | +139% |
| Q2 2026 | $1.2B | +126% |
| Q1 2026 | $891.8M | +193% |
| Q4 2025 | $764M | +67% |
| Q3 2025 | $500.9M | +20% |
| Q2 2025 | $531.6M | +276% |
| Q1 2025 | $304.1M | +140% |
| Q4 2024 | $457.2M | +54% |
PLTR has the edge over OPFI on cash flow, with more consistent year-over-year improvement.
OPFI Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.5% | -465K shares |
| 1 year | +222% | +59M shares |
| 3 years | +439% | +69.7M shares |
| 5 years | +1649% | +80.7M shares |
OPFI has 86M diluted shares, up 222% from a year ago, despite $26M in buybacks over the past year.
| Quarter | Spent |
|---|---|
| Q3 2026 | $6.8M |
| Q2 2026 | $1.2M |
| Q1 2026 | $9.9M |
| Q4 2025 | $8.2M |
| Q3 2025 | $7.4M |
| Q4 2024 | — |
| Q3 2024 | $1M |
| Q4 2023 | — |
OPFI spent $26M buying back its own shares over the past year.
PLTR Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.2% | +5.2M shares |
| 1 year | +0.1% | +2.9M shares |
| 3 years | +11% | +248M shares |
| 5 years | +31% | +610M shares |
| Available history | +184% | +1.7B shares |
PLTR has the edge over OPFI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q4 2025 | $19.2M |
| Q3 2025 | $19.2M |
| Q2 2025 | $18.6M |
| Q1 2025 | $18M |
| Q4 2024 | $18.6M |
| Q3 2024 | $18.9M |
| Q2 2024 | $17.7M |
| Q1 2024 | $9M |
OPFI Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 1.9x | Healthy |
| Q2 2026 | 1.5x | Healthy |
| Q1 2026 | 1.4x | Healthy |
| Q4 2025 | 1.6x | Healthy |
| Q3 2025 | 1.7x | Healthy |
| Q2 2025 | 1.7x | Healthy |
| Q1 2025 | 1.6x | Healthy |
| Q4 2024 | 2.5x | Moderate |
OPFI's net debt is about 1.9 years of its operating earnings (EBITDA), up from 1.6 years a year ago.
PLTR Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -1.1x | Net Cash |
| Q2 2026 | -0.8x | Net Cash |
| Q1 2026 | -1.1x | Net Cash |
| Q4 2025 | -1.0x | Net Cash |
| Q3 2025 | -1.9x | Net Cash |
| Q2 2025 | -1.6x | Net Cash |
| Q1 2025 | -2.3x | Net Cash |
| Q4 2024 | -6.1x | Net Cash |
PLTR has the edge over OPFI on leverage, with a lower net debt burden relative to earnings.
OPFI Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 37.2 | Neutral |
| Stochastic | 12.0 | Oversold |
OPFI's weekly RSI is 37 (neutral) and its Stochastic is 12 (oversold).
PLTR Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 51.4 | Neutral |
| Stochastic | 47.4 | Neutral |
PLTR's weekly RSI is 51 (neutral) and its Stochastic is 47 (neutral).
OPFI PE vs Technology Sector
| Metric | OPFI | Sector median | Relative |
|---|---|---|---|
| PE | 2.3x | 28x | 92% below |
| PE % | 8 | 39 | 31 pts below |
OPFI has the edge over PLTR on valuation relative to its sector.
PLTR PE vs Technology Sector
| Metric | PLTR | Sector median | Relative |
|---|---|---|---|
| PE | 120x | 28x | 331% above |
| PE % | 1 | 38 | 37 pts below |
PLTR is trading at 120x earnings, a 331% premium to the Technology sector's median of 28x.
OPFI Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $5.87 | 0.7% above |
| 20 week MA | $7.33 | 19% below |
| 50 week MA | $8.41 | 30% below |
| 100 week MA | $9.61 | 39% below |
| 200 week MA | $6.45 | 8.4% below |
OPFI has bounced recently, but its long-term trend is still down: it's above its 8-week average, but 8.4% below its 200-week average.
PLTR Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $185.8 | 7.6% below |
| 20 week MA | $167.6 | 2.4% above |
| 50 week MA | $157.1 | 9.2% above |
| 100 week MA | $143.8 | 19% above |
| 200 week MA | $83.3 | 106% above |
PLTR has the edge over OPFI on trend strength, trading above more of its moving averages.
OPFI Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $9.85 | $10.2 | +3.7% |
| 2021 | $10.2 | $4.85 | -52% |
| 2022 | $4.85 | $2.13 | -56% |
| 2023 | $2.13 | $5.12 | +140% |
| 2024 | $5.12 | $7.65 | +49% |
| 2025 | $7.65 | $11.1 | +45% |
| 2026 YTD | $11.1 | $5.91 | -47% |
OPFI's yearly returns have swung widely, from +140% in 2023 to −56% in 2022. It's down 47% so far in 2026.
PLTR Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $9.20 | $27.8 | +202% |
| 2021 | $27.8 | $18.9 | -32% |
| 2022 | $18.9 | $6.29 | -67% |
| 2023 | $6.29 | $17.2 | +173% |
| 2024 | $17.2 | $79.1 | +361% |
| 2025 | $79.1 | $188.7 | +139% |
| 2026 YTD | $188.7 | $171.6 | -9.1% |
PLTR has the edge over OPFI on returns for 2026, with the stronger performance.