OPFI
OppFi Inc.
OPFI has lower modeled downside risk, despite its lower overall score.
SNDK
Sandisk Corporation
SNDK has the edge over OPFI overall, supported by stronger fundamentals and stronger modeled upside.
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.
SNDK Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Strong | |
| Strong | |
| Strong |
SNDK'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.
SNDK PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 3.8x | $937 | — |
| Current | 7.5x | $937 | — |
| Cheap | 17x | $2,173 | +132% |
| Fair | 24x | $3,048 | +225% |
| Expensive | 59x | $7,452 | +695% |
Historical ranges are pointers, not guarantees.
SNDK 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.
SNDK Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Moderate | |
| High |
SNDK 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.
SNDK Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $247.30 | +97% |
| Q3 2026 | $125.61 | +$137.63 |
| Q2 2026 | $73.76 | +$85.07 |
| Q2 2025 | -$11.31 | -$6.65 |
SNDK has the edge over OPFI in the latest year-over-year earnings comparison.
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.
SNDK Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $11B | +378% |
| Q2 2026 | $9B | +372% |
| Q1 2026 | $6B | +251% |
| Q4 2025 | $3B | +61% |
| Q3 2025 | $2.3B | +23% |
| Q2 2025 | $1.9B | +8% |
| Q1 2025 | $1.7B | -0.6% |
| Q4 2024 | $1.9B | +13% |
SNDK has the edge over OPFI on sales, with more consistent year-over-year improvement.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 80% | +72 points |
| Q2 2026 | 78% | +78 points |
| Q1 2026 | 69% | +180 points |
| Q4 2025 | 35% | +25 points |
| Q3 2025 | 7.6% | -9 points |
| Q2 2025 | 0.9% | N/A |
| Q1 2025 | -111% | -122 points |
| Q4 2024 | 10% | +6.6 points |
SNDK 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.
SNDK Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $6.3B | +1340% |
| Q2 2026 | $7.1B | +14355% |
| Q1 2026 | $3B | +$3B |
| Q3 2025 | $438M | +$636M |
| Q2 2025 | $49M | +$217M |
| Q1 2025 | -$18M | +$23M |
| Q3 2024 | -$198M | -$157M |
SNDK 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.
SNDK Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.6% | -1M shares |
| 1 year | +3.4% | +5M shares |
| 3 years | +6.9% | +10M shares |
SNDK has the edge over OPFI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $5B |
| Q3 2024 | — |
| Q2 2024 | — |
| Q1 2024 | — |
| Q4 2023 | — |
| Q3 2023 | — |
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.
SNDK Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -0.2x | Net Cash |
| Q2 2026 | -0.4x | Net Cash |
| Q1 2026 | -0.7x | Net Cash |
SNDK 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).
SNDK Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 40.2 | Neutral |
| Stochastic | 10.6 | Oversold |
SNDK's weekly RSI is 40 (neutral) and its Stochastic is 11 (oversold).
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 SNDK on valuation relative to its sector.
SNDK PE vs Technology Sector
| Metric | SNDK | Sector median | Relative |
|---|---|---|---|
| PE | 7.5x | 28x | 73% below |
| PE % | 4 | 27 | 23 pts below |
SNDK is trading at 7.5x earnings, a 73% discount to the Technology sector's median of 28x, though its earnings don't support one.
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 stronger trend alignment. OPFI is above 1 of 5 weekly averages versus SNDK above 0 of 3.
SNDK Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $1,317.5 | 29% below |
| 20 week MA | $1,465.4 | 36% below |
| 50 week MA | $1,119.6 | 16% below |
SNDK is in a downtrend: it's below all three of its weekly moving averages, and 16% below its 50-week average.
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.
SNDK Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2025 | $50.4 | $250.1 | +396% |
| 2026 YTD | $250.1 | $937.5 | +275% |
SNDK has the edge over OPFI on returns for 2026, with the stronger performance.