COF
Price
$216.80
Change
-$5.33 (-2.40%)
Updated
Nov 13 closing price
Capitalization
137.83B
74 days until earnings call
Intraday BUY SELL Signals
OPRT
Price
$4.82
Change
-$0.02 (-0.41%)
Updated
Nov 13, 04:59 PM (EDT)
Capitalization
213.14M
91 days until earnings call
Intraday BUY SELL Signals
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COF vs OPRT

Header iconCOF vs OPRT Comparison
Open Charts COF vs OPRTBanner chart's image
Capital One Financial
Price$216.80
Change-$5.33 (-2.40%)
Volume$4.61M
Capitalization137.83B
Oportun Financial
Price$4.82
Change-$0.02 (-0.41%)
Volume$9.76K
Capitalization213.14M
COF vs OPRT Comparison Chart in %
COF
Daily Signal:
Gain/Loss:
OPRT
Daily Signal:
Gain/Loss:
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VS
COF vs. OPRT commentary
Nov 14, 2025

To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is COF is a StrongBuy and OPRT is a Hold.

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COMPARISON
Comparison
Nov 14, 2025
Stock price -- (COF: $222.13 vs. OPRT: $4.84)
Brand notoriety: COF: Notable vs. OPRT: Not notable
Both companies represent the Savings Banks industry
Current volume relative to the 65-day Moving Average: COF: 114% vs. OPRT: 44%
Market capitalization -- COF: $137.83B vs. OPRT: $212.7M
COF [@Savings Banks] is valued at $137.83B. OPRT’s [@Savings Banks] market capitalization is $212.7M. The market cap for tickers in the [@Savings Banks] industry ranges from $648.6B to $0. The average market capitalization across the [@Savings Banks] industry is $21.95B.

Long-Term Analysis

It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is undervalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).

COF’s FA Score shows that 4 FA rating(s) are green whileOPRT’s FA Score has 1 green FA rating(s).

  • COF’s FA Score: 4 green, 1 red.
  • OPRT’s FA Score: 1 green, 4 red.
According to our system of comparison, COF is a better buy in the long-term than OPRT.

Short-Term Analysis

It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.

If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.

COF’s TA Score shows that 7 TA indicator(s) are bullish while OPRT’s TA Score has 4 bullish TA indicator(s).

  • COF’s TA Score: 7 bullish, 3 bearish.
  • OPRT’s TA Score: 4 bullish, 5 bearish.
According to our system of comparison, COF is a better buy in the short-term than OPRT.

Price Growth

COF (@Savings Banks) experienced а +0.33% price change this week, while OPRT (@Savings Banks) price change was -7.10% for the same time period.

The average weekly price growth across all stocks in the @Savings Banks industry was -0.14%. For the same industry, the average monthly price growth was -3.03%, and the average quarterly price growth was +11.42%.

Reported Earning Dates

COF is expected to report earnings on Jan 27, 2026.

OPRT is expected to report earnings on Feb 12, 2026.

Industries' Descriptions

@Savings Banks (-0.14% weekly)

A savings bank primary function is to take deposits and paying interest on those deposits. Originating in Europe during the 18th century, these banks were generally introduced to incentivize people of all stripes to save money and park them with banks. By the 1990s, the internet ushered in online savings banks that allowed savers to deposit/transact with banks digitally, without requiring to visit a branch office. Savings banks have potentially encouraged lower-income population to save and have access to a financial institution to earn interest on their money. New York Community Bancorp, Inc, Webster Financial Corporation, Washington Federal, Inc. are examples of savings banks.

SUMMARIES
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FUNDAMENTALS
Fundamentals
COF($138B) has a higher market cap than OPRT($213M). COF has higher P/E ratio than OPRT: COF (74.25) vs OPRT (6.71). COF (25.679) and OPRT (24.742) have similar YTD gains . OPRT has less debt than COF: OPRT (2.76B) vs COF (51.9B). COF has higher revenues than OPRT: COF (42.8B) vs OPRT (366M).
COFOPRTCOF / OPRT
Capitalization138B213M64,789%
EBITDAN/AN/A-
Gain YTD25.67924.742104%
P/E Ratio74.256.711,107%
Revenue42.8B366M11,694%
Total Cash4.85BN/A-
Total Debt51.9B2.76B1,878%
FUNDAMENTALS RATINGS
COF vs OPRT: Fundamental Ratings
COF
OPRT
OUTLOOK RATING
1..100
2015
VALUATION
overvalued / fair valued / undervalued
1..100
96
Overvalued
38
Fair valued
PROFIT vs RISK RATING
1..100
26100
SMR RATING
1..100
315
PRICE GROWTH RATING
1..100
2963
P/E GROWTH RATING
1..100
451
SEASONALITY SCORE
1..100
50n/a

Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.

OPRT's Valuation (38) in the null industry is somewhat better than the same rating for COF (96) in the Major Banks industry. This means that OPRT’s stock grew somewhat faster than COF’s over the last 12 months.

COF's Profit vs Risk Rating (26) in the Major Banks industry is significantly better than the same rating for OPRT (100) in the null industry. This means that COF’s stock grew significantly faster than OPRT’s over the last 12 months.

COF's SMR Rating (3) in the Major Banks industry is in the same range as OPRT (15) in the null industry. This means that COF’s stock grew similarly to OPRT’s over the last 12 months.

COF's Price Growth Rating (29) in the Major Banks industry is somewhat better than the same rating for OPRT (63) in the null industry. This means that COF’s stock grew somewhat faster than OPRT’s over the last 12 months.

COF's P/E Growth Rating (4) in the Major Banks industry is somewhat better than the same rating for OPRT (51) in the null industry. This means that COF’s stock grew somewhat faster than OPRT’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
COFOPRT
RSI
ODDS (%)
Bullish Trend 2 days ago
86%
Bullish Trend 2 days ago
90%
Stochastic
ODDS (%)
Bearish Trend 2 days ago
55%
Bullish Trend 2 days ago
87%
Momentum
ODDS (%)
Bullish Trend 2 days ago
77%
Bearish Trend 2 days ago
88%
MACD
ODDS (%)
Bullish Trend 2 days ago
75%
Bearish Trend 2 days ago
84%
TrendWeek
ODDS (%)
Bullish Trend 2 days ago
70%
Bearish Trend 2 days ago
86%
TrendMonth
ODDS (%)
Bullish Trend 2 days ago
69%
Bearish Trend 2 days ago
86%
Advances
ODDS (%)
Bullish Trend 2 days ago
67%
Bullish Trend 4 days ago
76%
Declines
ODDS (%)
Bearish Trend 17 days ago
59%
Bearish Trend 28 days ago
80%
BollingerBands
ODDS (%)
Bullish Trend 3 days ago
77%
Bullish Trend 2 days ago
89%
Aroon
ODDS (%)
Bearish Trend 2 days ago
71%
Bearish Trend 2 days ago
89%
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COF
Daily Signal:
Gain/Loss:
OPRT
Daily Signal:
Gain/Loss:
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COF and

Correlation & Price change

A.I.dvisor indicates that over the last year, COF has been closely correlated with SYF. These tickers have moved in lockstep 89% of the time. This A.I.-generated data suggests there is a high statistical probability that if COF jumps, then SYF could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To COF
1D Price
Change %
COF100%
+0.63%
SYF - COF
89%
Closely correlated
+1.44%
AXP - COF
84%
Closely correlated
+0.71%
OMF - COF
83%
Closely correlated
+1.05%
ENVA - COF
81%
Closely correlated
+1.52%
BFH - COF
79%
Closely correlated
+0.79%
More

OPRT and

Correlation & Price change

A.I.dvisor indicates that over the last year, OPRT has been loosely correlated with OMF. These tickers have moved in lockstep 50% of the time. This A.I.-generated data suggests there is some statistical probability that if OPRT jumps, then OMF could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To OPRT
1D Price
Change %
OPRT100%
+2.11%
OMF - OPRT
50%
Loosely correlated
+1.05%
ALLY - OPRT
48%
Loosely correlated
+2.08%
SYF - OPRT
47%
Loosely correlated
+1.44%
COF - OPRT
47%
Loosely correlated
+0.63%
ENVA - OPRT
47%
Loosely correlated
+1.52%
More