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PPDAI Group (FINV) Competitors

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$4.36 +0.03 (+0.58%)
Closing price 08/25/2026 03:59 PM Eastern
Extended Trading
$4.38 +0.01 (+0.23%)
As of 08/25/2026 05:24 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. BFH, UPST, LC, ECPG, and HAPN

Should you buy PPDAI Group stock or one of its competitors? PPDAI Group's main competitors and comparable companies include Bread Financial (BFH), Upstart (UPST), LendingClub (LC), Encore Capital Group (ECPG), 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 Bread Financial?

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

Bread Financial currently has a consensus price target of $112.08, indicating a potential upside of 3.95%. Given Bread Financial's stronger consensus rating and higher probable upside, analysts clearly believe Bread Financial is more favorable than PPDAI Group.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Bread Financial
1 Sell rating(s)
6 Hold rating(s)
8 Buy rating(s)
0 Strong Buy rating(s)
2.47
PPDAI Group
0 Sell rating(s)
1 Hold rating(s)
0 Buy rating(s)
0 Strong Buy rating(s)
2.00

PPDAI Group has a net margin of 16.58% compared to Bread Financial's net margin of 11.95%. Bread Financial's return on equity of 18.42% beat PPDAI Group's return on equity.

Company Net Margins Return on Equity Return on Assets
Bread Financial11.95% 18.42% 2.76%
PPDAI Group 16.58%14.22%9.15%

99.5% of Bread Financial shares are owned by institutional investors. Comparatively, 31.2% of PPDAI Group shares are owned by institutional investors. 1.3% of Bread Financial 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.

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

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
Bread Financial$4.70B0.88$518M$12.828.41
PPDAI Group$1.94B0.55$363.56M$1.193.67

In the previous week, Bread Financial had 4 more articles in the media than PPDAI Group. MarketBeat recorded 4 mentions for Bread Financial and 0 mentions for PPDAI Group. Bread Financial's average media sentiment score of 1.52 beat PPDAI Group's score of 0.00 indicating that Bread Financial is being referred to more favorably in the media.

Company Overall Sentiment
Bread Financial Very Positive
PPDAI Group Neutral

Bread Financial has a beta of 1.11, indicating that its stock price is 11% more volatile than the broader market. Comparatively, PPDAI Group has a beta of 0.36, indicating that its stock price is 64% less volatile than the broader market.

Summary

Bread Financial beats PPDAI Group on 13 of the 16 factors compared between the two stocks.

How does PPDAI Group compare to Upstart?

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

Upstart has a beta of 2.29, suggesting that its share price is 129% more volatile than the broader market. Comparatively, PPDAI Group has a beta of 0.36, suggesting that its share price is 64% less volatile than the broader market.

PPDAI Group has a net margin of 16.58% compared to Upstart's net margin of 4.84%. PPDAI Group's return on equity of 14.22% beat Upstart's return on equity.

Company Net Margins Return on Equity Return on Assets
Upstart4.84% 7.13% 1.82%
PPDAI Group 16.58%14.22%9.15%

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
Upstart$1.04B2.85$53.60M$0.4962.41
PPDAI Group$1.94B0.55$363.56M$1.193.67

Upstart currently has a consensus price target of $44.40, indicating a potential upside of 45.19%. Given Upstart's stronger consensus rating and higher possible upside, analysts plainly believe Upstart is more favorable than PPDAI Group.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Upstart
1 Sell rating(s)
7 Hold rating(s)
8 Buy rating(s)
0 Strong Buy rating(s)
2.44
PPDAI Group
0 Sell rating(s)
1 Hold rating(s)
0 Buy rating(s)
0 Strong Buy rating(s)
2.00

63.0% of Upstart shares are owned by institutional investors. Comparatively, 31.2% of PPDAI Group shares are owned by institutional investors. 17.3% of Upstart 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, large money managers and hedge funds believe a company is poised for long-term growth.

In the previous week, Upstart had 25 more articles in the media than PPDAI Group. MarketBeat recorded 25 mentions for Upstart and 0 mentions for PPDAI Group. Upstart's average media sentiment score of 0.50 beat PPDAI Group's score of 0.00 indicating that Upstart is being referred to more favorably in the media.

Company Overall Sentiment
Upstart Neutral
PPDAI Group Neutral

Summary

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

How does PPDAI Group compare to LendingClub?

LendingClub (NYSE:LC) 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 earnings, media sentiment, profitability, risk, analyst recommendations, dividends, institutional ownership and valuation.

In the previous week, LendingClub had 1 more articles in the media than PPDAI Group. MarketBeat recorded 1 mentions for LendingClub and 0 mentions for PPDAI Group. LendingClub's average media sentiment score of 1.83 beat PPDAI Group's score of 0.00 indicating that LendingClub is being referred to more favorably in the media.

Company Overall Sentiment
LendingClub Very Positive
PPDAI Group Neutral

LendingClub has a beta of 1.98, meaning that its stock price is 98% more volatile than the broader market. Comparatively, PPDAI Group has a beta of 0.36, meaning that its stock price is 64% less volatile than the broader market.

74.1% of LendingClub shares are owned by institutional investors. Comparatively, 31.2% of PPDAI Group shares are owned by institutional investors. 3.2% of LendingClub 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.

LendingClub presently has a consensus target price of $23.07, indicating a potential upside of 20.10%. Given LendingClub's stronger consensus rating and higher probable upside, equities 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)
2 Hold rating(s)
6 Buy rating(s)
1 Strong Buy rating(s)
2.89
PPDAI Group
0 Sell rating(s)
1 Hold rating(s)
0 Buy rating(s)
0 Strong Buy rating(s)
2.00

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$1.03B2.14$135.68M$1.4912.89
PPDAI Group$1.94B0.55$363.56M$1.193.67

LendingClub has a net margin of 16.99% compared to PPDAI Group's net margin of 16.58%. PPDAI Group's return on equity of 14.22% beat LendingClub's return on equity.

Company Net Margins Return on Equity Return on Assets
LendingClub16.99% 11.92% 1.55%
PPDAI Group 16.58%14.22%9.15%

Summary

LendingClub beats PPDAI Group on 12 of the 17 factors compared between the two stocks.

How does PPDAI Group compare to Encore Capital Group?

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

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

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
PPDAI Group$1.94B0.55$363.56M$1.193.67
Encore Capital Group$1.77B1.23$256.83M$13.217.75

PPDAI Group has a beta of 0.36, suggesting that its stock price is 64% less volatile than the broader market. Comparatively, Encore Capital Group has a beta of 1.27, suggesting that its stock price is 27% more volatile than the broader market.

PPDAI Group has a net margin of 16.58% compared to Encore Capital Group's net margin of 15.86%. 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
PPDAI Group16.58% 14.22% 9.15%
Encore Capital Group 15.86%29.83%5.58%

Encore Capital Group has a consensus price target of $89.75, suggesting a potential downside of 12.32%. Given Encore Capital Group's stronger consensus rating and higher probable upside, analysts plainly believe Encore Capital Group is more favorable than PPDAI Group.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
PPDAI Group
0 Sell rating(s)
1 Hold rating(s)
0 Buy rating(s)
0 Strong Buy rating(s)
2.00
Encore Capital Group
0 Sell rating(s)
0 Hold rating(s)
5 Buy rating(s)
1 Strong Buy rating(s)
3.17

In the previous week, Encore Capital Group had 9 more articles in the media than PPDAI Group. MarketBeat recorded 9 mentions for Encore Capital Group and 0 mentions for PPDAI Group. Encore Capital Group's average media sentiment score of 1.30 beat PPDAI Group's score of 0.00 indicating that Encore Capital Group is being referred to more favorably in the news media.

Company Overall Sentiment
PPDAI Group Neutral
Encore Capital Group Positive

Summary

Encore Capital Group beats PPDAI Group on 11 of the 17 factors compared between the two stocks.

How does PPDAI Group compare to Lendingclub?

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

Lendingclub presently has a consensus target price of $25.00, suggesting a potential upside of 36.91%. Given Lendingclub's stronger consensus rating and higher possible upside, equities analysts clearly 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
0 Sell rating(s)
1 Hold rating(s)
0 Buy rating(s)
0 Strong Buy rating(s)
2.00

Lendingclub has a beta of 1.91, indicating that its stock price is 91% more volatile than the broader market. Comparatively, PPDAI Group has a beta of 0.36, indicating that its stock price is 64% less volatile than the broader market.

Lendingclub has a net margin of 18.67% compared to PPDAI Group's net margin of 16.58%. PPDAI Group's return on equity of 14.22% beat Lendingclub's return on equity.

Company Net Margins Return on Equity Return on Assets
Lendingclub18.67% 12.92% 1.66%
PPDAI Group 16.58%14.22%9.15%

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

In the previous week, Lendingclub had 8 more articles in the media than PPDAI Group. MarketBeat recorded 8 mentions for Lendingclub and 0 mentions for PPDAI Group. Lendingclub's average media sentiment score of 0.22 beat PPDAI Group's score of 0.00 indicating that Lendingclub is being referred to more favorably in the media.

Company Overall Sentiment
Lendingclub Neutral
PPDAI Group 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
Lendingclub$998.85M2.11$135.68M$1.6611.00
PPDAI Group$1.94B0.55$363.56M$1.193.67

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$1.06B$7.52B$14.05B$24.28B
Dividend YieldN/A12.31%5.89%3.70%
P/E Ratio3.679.2526.5830.17
Price / Sales0.5575.15522.5321.52
Price / Cash2.6811.8338.5032.61
Price / Book0.442.762.197.73
Net Income$363.56M$442.63M$1.31B$1.07B
7 Day Performance-1.36%0.09%1.41%-0.07%
1 Month Performance-8.20%1.94%2.98%3.04%
1 Year Performance-50.82%7.40%11.47%14.87%

PPDAI Group Competitors List

CompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)
FINV
PPDAI Group
1.5245 of 5 stars
$4.37
+0.6%
N/A-53.3%$1.06B$1.94B3.673,869
BFH
Bread Financial
3.8524 of 5 stars
$111.00
-0.2%
$110.58
-0.4%
+71.7%$4.27B$3.89B8.676,000
UPST
Upstart
4.1686 of 5 stars
$28.93
-2.7%
$44.40
+53.5%
-55.8%$2.81B$1.23B58.991,405
LC
LendingClub
3.771 of 5 stars
$19.21
flat
$23.07
+20.1%
N/A$2.22B$1.03B12.891,075
ECPG
Encore Capital Group
2.8806 of 5 stars
$102.78
-0.9%
$89.75
-12.7%
+142.7%$2.18B$1.77B7.777,350

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This page (NYSE:FINV) was last updated on 8/26/2026 by MarketBeat.com Staff.
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