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PPDAI Group (FINV) Competitors

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$2.92 +0.03 (+0.86%)
Closing price 10/5/2026 03:59 PM Eastern
Extended Trading
$2.92 0.00 (0.00%)
As of 10/5/2026 07:30 PM Eastern
Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Massive. Learn more.

FINV vs. UPST, LC, ECPG, EZPW, and HAPN

Should you buy PPDAI Group stock or one of its competitors? PPDAI Group's main competitors and comparable companies include Upstart (UPST), LendingClub (LC), Encore Capital Group (ECPG), EZCORP (EZPW), and Lendingclub (HAPN). Companies are selected based on similarities in market, industry, and size. These companies are all part of the "consumer finance" industry.

How does PPDAI Group compare to Upstart?

PPDAI Group (NYSE:FINV) and Upstart (NASDAQ:UPST) are both finance companies, but which is the better business? We will compare the two companies based on the strength of their dividends, analyst recommendations, risk, media sentiment, profitability, institutional ownership, valuation and earnings.

PPDAI Group has a beta of 0.33, suggesting that its share price is 67% less volatile than the broader market. Comparatively, Upstart has a beta of 2.43, suggesting that its share price is 143% more volatile than the broader market.

In the previous week, Upstart had 4 more articles in the media than PPDAI Group. MarketBeat recorded 6 mentions for Upstart and 2 mentions for PPDAI Group. Upstart's average media sentiment score of 0.57 beat PPDAI Group's score of -0.31 indicating that Upstart is being referred to more favorably in the news media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
PPDAI Group
0 Very Positive mention(s)
0 Positive mention(s)
1 Neutral mention(s)
0 Negative mention(s)
1 Very Negative mention(s)
Neutral
Upstart
4 Very Positive mention(s)
1 Positive mention(s)
0 Neutral mention(s)
1 Negative mention(s)
0 Very Negative mention(s)
Positive

PPDAI Group currently has a consensus target price of $4.10, suggesting a potential upside of 40.17%. Upstart has a consensus target price of $43.75, suggesting a potential upside of 79.67%. Given Upstart's stronger consensus rating and higher possible upside, analysts clearly believe Upstart is more favorable than PPDAI Group.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
PPDAI Group
1 Sell rating(s)
1 Hold rating(s)
0 Buy rating(s)
0 Strong Buy rating(s)
1.50
Upstart
2 Sell rating(s)
7 Hold rating(s)
8 Buy rating(s)
0 Strong Buy rating(s)
2.35

PPDAI Group has a net margin of 14.49% compared to Upstart's net margin of 4.84%. PPDAI Group's return on equity of 12.31% beat Upstart's return on equity.

Company Net Margins Return on Equity Return on Assets
PPDAI Group14.49% 12.31% 7.95%
Upstart 4.84%7.13%1.82%

31.2% of PPDAI Group shares are owned by institutional investors. Comparatively, 63.0% of Upstart shares are owned by institutional investors. 44.0% of PPDAI Group shares are owned by company insiders. Comparatively, 17.3% of Upstart shares are owned by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company will outperform the market over the long term.

PPDAI Group has higher revenue and earnings than Upstart. PPDAI Group is trading at a lower price-to-earnings ratio than Upstart, indicating that it is currently the more affordable of the two stocks.

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
PPDAI Group$1.94B0.37$363.56M$1.062.76
Upstart$1.04B2.27$53.60M$0.4949.69

Summary

Upstart beats PPDAI Group on 9 of the 16 factors compared between the two stocks.

How does PPDAI Group compare to LendingClub?

PPDAI Group (NYSE:FINV) and LendingClub (NYSE:LC) are both finance companies, but which is the better business? We will contrast the two companies based on the strength of their dividends, analyst recommendations, earnings, media sentiment, risk, institutional ownership, valuation and profitability.

LendingClub has a net margin of 16.99% compared to PPDAI Group's net margin of 14.49%. PPDAI Group's return on equity of 12.31% beat LendingClub's return on equity.

Company Net Margins Return on Equity Return on Assets
PPDAI Group14.49% 12.31% 7.95%
LendingClub 16.99%11.92%1.55%

PPDAI Group presently has a consensus price target of $4.10, indicating a potential upside of 40.17%. LendingClub has a consensus price target of $23.07, indicating a potential upside of 20.10%. Given PPDAI Group's higher possible upside, equities research analysts clearly believe PPDAI Group is more favorable than LendingClub.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
PPDAI Group
1 Sell rating(s)
1 Hold rating(s)
0 Buy rating(s)
0 Strong Buy rating(s)
1.50
LendingClub
0 Sell rating(s)
2 Hold rating(s)
6 Buy rating(s)
1 Strong Buy rating(s)
2.89

In the previous week, PPDAI Group had 1 more articles in the media than LendingClub. MarketBeat recorded 2 mentions for PPDAI Group and 1 mentions for LendingClub. LendingClub's average media sentiment score of 0.38 beat PPDAI Group's score of -0.31 indicating that LendingClub is being referred to more favorably in the news media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
PPDAI Group
0 Very Positive mention(s)
0 Positive mention(s)
1 Neutral mention(s)
0 Negative mention(s)
1 Very Negative mention(s)
Neutral
LendingClub
0 Very Positive mention(s)
0 Positive mention(s)
1 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Neutral

PPDAI Group has higher revenue and earnings than LendingClub. PPDAI Group is trading at a lower price-to-earnings ratio than LendingClub, indicating that it is currently the more affordable of the two stocks.

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
PPDAI Group$1.94B0.37$363.56M$1.062.76
LendingClub$1.03B2.14$135.68M$1.4912.89

31.2% of PPDAI Group shares are held by institutional investors. Comparatively, 74.1% of LendingClub shares are held by institutional investors. 44.0% of PPDAI Group shares are held by insiders. Comparatively, 3.2% of LendingClub shares are held by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company is poised for long-term growth.

PPDAI Group has a beta of 0.33, meaning that its share price is 67% less volatile than the broader market. Comparatively, LendingClub has a beta of 1.98, meaning that its share price is 98% more volatile than the broader market.

Summary

LendingClub beats PPDAI Group on 10 of the 17 factors compared between the two stocks.

How does PPDAI Group compare to Encore Capital Group?

Encore Capital Group (NASDAQ:ECPG) and PPDAI Group (NYSE:FINV) are both finance companies, but which is the superior business? We will contrast the two companies based on the strength of their profitability, earnings, analyst recommendations, media sentiment, institutional ownership, dividends, valuation and risk.

In the previous week, PPDAI Group had 1 more articles in the media than Encore Capital Group. MarketBeat recorded 2 mentions for PPDAI Group and 1 mentions for Encore Capital Group. Encore Capital Group's average media sentiment score of 0.88 beat PPDAI Group's score of -0.31 indicating that Encore Capital Group is being referred to more favorably in the media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
Encore Capital Group
0 Very Positive mention(s)
0 Positive mention(s)
1 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive
PPDAI Group
0 Very Positive mention(s)
0 Positive mention(s)
1 Neutral mention(s)
0 Negative mention(s)
1 Very Negative mention(s)
Neutral

PPDAI Group has higher revenue and earnings than Encore Capital Group. PPDAI Group is trading at a lower price-to-earnings ratio than Encore Capital Group, indicating that it is currently the more affordable of the two stocks.

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
Encore Capital Group$1.77B1.17$256.83M$13.217.41
PPDAI Group$1.94B0.37$363.56M$1.062.76

Encore Capital Group has a beta of 1.3, suggesting that its share price is 30% more volatile than the broader market. Comparatively, PPDAI Group has a beta of 0.33, suggesting that its share price is 67% less volatile than the broader market.

31.2% of PPDAI Group shares are owned by institutional investors. 3.0% of Encore Capital Group shares are owned by insiders. Comparatively, 44.0% of PPDAI Group shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock is poised for long-term growth.

Encore Capital Group has a net margin of 15.86% compared to PPDAI Group's net margin of 14.49%. Encore Capital Group's return on equity of 29.83% beat PPDAI Group's return on equity.

Company Net Margins Return on Equity Return on Assets
Encore Capital Group15.86% 29.83% 5.58%
PPDAI Group 14.49%12.31%7.95%

Encore Capital Group presently has a consensus target price of $89.75, suggesting a potential downside of 8.34%. PPDAI Group has a consensus target price of $4.10, suggesting a potential upside of 40.17%. Given PPDAI Group's higher probable upside, analysts plainly believe PPDAI Group is more favorable than Encore Capital Group.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Encore Capital Group
0 Sell rating(s)
0 Hold rating(s)
5 Buy rating(s)
1 Strong Buy rating(s)
3.17
PPDAI Group
1 Sell rating(s)
1 Hold rating(s)
0 Buy rating(s)
0 Strong Buy rating(s)
1.50

Summary

Encore Capital Group beats PPDAI Group on 10 of the 17 factors compared between the two stocks.

How does PPDAI Group compare to EZCORP?

EZCORP (NASDAQ:EZPW) and PPDAI Group (NYSE:FINV) are both small-cap finance companies, but which is the superior business? We will contrast the two companies based on the strength of their earnings, media sentiment, profitability, risk, analyst recommendations, dividends, institutional ownership and valuation.

PPDAI Group has a net margin of 14.49% compared to EZCORP's net margin of 9.97%. EZCORP's return on equity of 13.99% beat PPDAI Group's return on equity.

Company Net Margins Return on Equity Return on Assets
EZCORP9.97% 13.99% 7.49%
PPDAI Group 14.49%12.31%7.95%

EZCORP has a beta of 0.71, meaning that its stock price is 29% less volatile than the broader market. Comparatively, PPDAI Group has a beta of 0.33, meaning that its stock price is 67% less volatile than the broader market.

PPDAI Group has higher revenue and earnings than EZCORP. PPDAI Group is trading at a lower price-to-earnings ratio than EZCORP, indicating that it is currently the more affordable of the two stocks.

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
EZCORP$1.58B1.18$109.61M$1.9815.40
PPDAI Group$1.94B0.37$363.56M$1.062.76

In the previous week, EZCORP and EZCORP both had 2 articles in the media. EZCORP's average media sentiment score of 0.97 beat PPDAI Group's score of -0.31 indicating that EZCORP is being referred to more favorably in the media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
EZCORP
1 Very Positive mention(s)
0 Positive mention(s)
1 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive
PPDAI Group
0 Very Positive mention(s)
0 Positive mention(s)
1 Neutral mention(s)
0 Negative mention(s)
1 Very Negative mention(s)
Neutral

99.8% of EZCORP shares are owned by institutional investors. Comparatively, 31.2% of PPDAI Group shares are owned by institutional investors. 2.1% of EZCORP shares are owned by insiders. Comparatively, 44.0% of PPDAI Group shares are owned by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock is poised for long-term growth.

EZCORP presently has a consensus target price of $38.80, indicating a potential upside of 27.21%. PPDAI Group has a consensus target price of $4.10, indicating a potential upside of 40.17%. Given PPDAI Group's higher probable upside, analysts plainly believe PPDAI Group is more favorable than EZCORP.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
EZCORP
0 Sell rating(s)
2 Hold rating(s)
6 Buy rating(s)
0 Strong Buy rating(s)
2.75
PPDAI Group
1 Sell rating(s)
1 Hold rating(s)
0 Buy rating(s)
0 Strong Buy rating(s)
1.50

Summary

EZCORP beats PPDAI Group on 9 of the 15 factors compared between the two stocks.

How does PPDAI Group compare to Lendingclub?

Lendingclub (NASDAQ:HAPN) and PPDAI Group (NYSE:FINV) are both small-cap finance companies, but which is the better investment? We will contrast the two companies based on the strength of their earnings, profitability, dividends, media sentiment, analyst recommendations, valuation, risk and institutional ownership.

Lendingclub has a net margin of 18.67% compared to PPDAI Group's net margin of 14.49%. Lendingclub's return on equity of 12.92% beat PPDAI Group's return on equity.

Company Net Margins Return on Equity Return on Assets
Lendingclub18.67% 12.92% 1.66%
PPDAI Group 14.49%12.31%7.95%

In the previous week, PPDAI Group had 1 more articles in the media than Lendingclub. MarketBeat recorded 2 mentions for PPDAI Group and 1 mentions for Lendingclub. Lendingclub's average media sentiment score of 0.51 beat PPDAI Group's score of -0.31 indicating that Lendingclub is being referred to more favorably in the media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
Lendingclub
0 Very Positive mention(s)
0 Positive mention(s)
1 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive
PPDAI Group
0 Very Positive mention(s)
0 Positive mention(s)
1 Neutral mention(s)
0 Negative mention(s)
1 Very Negative mention(s)
Neutral

Lendingclub presently has a consensus price target of $25.00, indicating a potential upside of 61.71%. PPDAI Group has a consensus price target of $4.10, indicating a potential upside of 40.17%. Given Lendingclub's stronger consensus rating and higher probable upside, analysts plainly believe Lendingclub is more favorable than PPDAI Group.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Lendingclub
0 Sell rating(s)
1 Hold rating(s)
2 Buy rating(s)
0 Strong Buy rating(s)
2.67
PPDAI Group
1 Sell rating(s)
1 Hold rating(s)
0 Buy rating(s)
0 Strong Buy rating(s)
1.50

Lendingclub has a beta of 1.88, indicating that its share price is 88% more volatile than the broader market. Comparatively, PPDAI Group has a beta of 0.33, indicating that its share price is 67% less volatile than the broader market.

PPDAI Group has higher revenue and earnings than Lendingclub. PPDAI Group is trading at a lower price-to-earnings ratio than Lendingclub, indicating that it is currently the more affordable of the two stocks.

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
Lendingclub$998.85M1.79$135.68M$1.669.31
PPDAI Group$1.94B0.37$363.56M$1.062.76

74.1% of Lendingclub shares are owned by institutional investors. Comparatively, 31.2% of PPDAI Group shares are owned by institutional investors. 3.3% of Lendingclub shares are owned by company insiders. Comparatively, 44.0% of PPDAI Group shares are owned by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock will outperform the market over the long term.

Summary

Lendingclub beats PPDAI Group on 11 of the 16 factors compared between the two stocks.

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New MarketBeat Followers Over Time

This chart shows the number of new MarketBeat users adding FINV and its top 5 competitors to their watchlist. Each company is represented with a line over a 90 day period.
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Media Sentiment Over Time

This chart shows the average media sentiment of NYSE and its competitors over the past 90 days as caculated by MarketBeat. The averaged score is equivalent to the following: Very Negative Sentiment <= -1.5, Negative Sentiment > -1.5 and <= -0.5, Neutral Sentiment > -0.5 and < 0.5, Positive Sentiment >= 0.5 and < 1.5, and Very Positive Sentiment >= 1.5.
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FINV vs. The Competition

MetricPPDAI GroupConsumer Finance IndustryFinance SectorNYSE Exchange
Market Cap$705.54M$6.71B$13.43B$22.78B
Dividend YieldN/A12.81%6.03%3.72%
P/E Ratio2.768.4824.4427.90
Price / Sales0.3766.32497.7220.36
Price / Cash1.7911.1229.4619.11
Price / Book0.302.512.714.70
Net Income$363.56M$442.63M$1.31B$1.07B
7 Day Performance-3.94%-0.07%-0.19%0.47%
1 Month Performance-13.46%-6.55%-3.13%-5.36%
1 Year Performance-60.10%1.79%11.23%5.39%

PPDAI Group Competitors List

CompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)
FINV
PPDAI Group
2.6923 of 5 stars
$2.93
+0.9%
$4.10
+40.2%
-59.4%$705.54M$1.94B2.763,869
UPST
Upstart
4.4868 of 5 stars
$22.93
-0.5%
$43.75
+90.8%
-53.1%$2.23B$1.04B46.771,405
LC
LendingClub
3.3376 of 5 stars
$19.21
flat
$23.07
+20.1%
N/A$2.22B$1.03B12.891,075
ECPG
Encore Capital Group
2.3734 of 5 stars
$93.55
-3.0%
$89.75
-4.1%
+137.0%$1.99B$1.77B7.097,350
EZPW
EZCORP
3.8781 of 5 stars
$30.09
-2.4%
$38.80
+29.0%
+67.8%$1.84B$1.27B15.138,500

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This page (NYSE:FINV) was last updated on 10/6/2026 by MarketBeat.com Staff.
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