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PPDAI Group (FINV) Competitors

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$3.28 -0.12 (-3.39%)
Closing price 03:59 PM Eastern
Extended Trading
$3.28 0.00 (0.00%)
As of 04:10 PM Eastern
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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?

Upstart (NASDAQ:UPST) 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 valuation, analyst recommendations, risk, media sentiment, dividends, earnings, institutional ownership and profitability.

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$1.23B2.01$53.60M$0.4951.62
PPDAI Group$13.16B0.06$363.56M$1.063.09

63.0% of Upstart shares are held by institutional investors. Comparatively, 31.1% of PPDAI Group shares are held by institutional investors. 17.3% of Upstart shares are held by insiders. Comparatively, 44.0% of PPDAI Group shares are held 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.

Upstart currently has a consensus price target of $43.75, suggesting a potential upside of 72.97%. PPDAI Group has a consensus price target of $4.10, suggesting a potential upside of 25.19%. Given Upstart's stronger consensus rating and higher possible upside, equities analysts plainly believe Upstart is more favorable than PPDAI Group.

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

Upstart has a beta of 2.16, suggesting that its stock price is 116% more volatile than the broader market. Comparatively, PPDAI Group has a beta of 0.34, suggesting that its stock price is 66% less volatile than the broader market.

In the previous week, Upstart had 12 more articles in the media than PPDAI Group. MarketBeat recorded 13 mentions for Upstart and 1 mentions for PPDAI Group. PPDAI Group's average media sentiment score of 1.19 beat Upstart's score of 0.71 indicating that PPDAI Group is being referred to more favorably in the news media.

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

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
Upstart4.84% 7.13% 1.82%
PPDAI Group 14.49%12.31%7.95%

Summary

Upstart and PPDAI Group tied by winning 8 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 investment? We will compare the two businesses based on the strength of their media sentiment, earnings, profitability, risk, analyst recommendations, dividends, valuation and institutional ownership.

In the previous week, PPDAI Group had 1 more articles in the media than LendingClub. MarketBeat recorded 1 mentions for PPDAI Group and 0 mentions for LendingClub. PPDAI Group's average media sentiment score of 1.19 beat LendingClub's score of 0.00 indicating that PPDAI Group is being referred to more favorably in the media.

Company Overall Sentiment
PPDAI Group Positive
LendingClub Neutral

PPDAI Group has a beta of 0.34, indicating that its share price is 66% less volatile than the broader market. Comparatively, LendingClub has a beta of 1.98, indicating that its share price is 98% more 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
PPDAI Group$13.16B0.06$363.56M$1.063.09
LendingClub$1.03B2.14$135.68M$1.4912.89

31.1% of PPDAI Group shares are owned by institutional investors. Comparatively, 74.1% of LendingClub shares are owned by institutional investors. 44.0% of PPDAI Group shares are owned by insiders. Comparatively, 3.2% of LendingClub shares are owned by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock is poised for long-term growth.

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 currently has a consensus target price of $4.10, indicating a potential upside of 25.19%. LendingClub has a consensus target price of $23.07, indicating a potential upside of 20.10%. Given PPDAI Group's higher possible upside, analysts plainly 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

Summary

LendingClub beats PPDAI Group on 9 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 better investment? We will contrast the two companies based on the strength of their institutional ownership, risk, media sentiment, analyst recommendations, profitability, dividends, valuation and earnings.

PPDAI Group has a beta of 0.34, indicating that its stock price is 66% less volatile than the broader market. Comparatively, Encore Capital Group has a beta of 1.27, indicating that its stock price is 27% more volatile than the broader market.

In the previous week, Encore Capital Group had 2 more articles in the media than PPDAI Group. MarketBeat recorded 3 mentions for Encore Capital Group and 1 mentions for PPDAI Group. Encore Capital Group's average media sentiment score of 1.64 beat PPDAI Group's score of 1.19 indicating that Encore Capital Group is being referred to more favorably in the news media.

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

PPDAI Group currently has a consensus price target of $4.10, indicating a potential upside of 25.19%. Encore Capital Group has a consensus price target of $89.75, indicating a potential downside of 9.00%. Given PPDAI Group's higher possible upside, research analysts plainly believe PPDAI Group is more favorable than Encore Capital 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
Encore Capital Group
0 Sell rating(s)
0 Hold rating(s)
5 Buy rating(s)
1 Strong Buy rating(s)
3.17

31.1% of PPDAI Group shares are held by institutional investors. 44.0% of PPDAI Group shares are held by company insiders. Comparatively, 3.0% of Encore Capital Group shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers 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
PPDAI Group14.49% 12.31% 7.95%
Encore Capital Group 15.86%29.83%5.58%

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$13.16B0.06$363.56M$1.063.09
Encore Capital Group$1.77B1.18$256.83M$13.217.47

Summary

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

How does PPDAI Group compare to EZCORP?

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

31.1% of PPDAI Group shares are owned by institutional investors. Comparatively, 99.8% of EZCORP shares are owned by institutional investors. 44.0% of PPDAI Group shares are owned by insiders. Comparatively, 2.1% of EZCORP shares are owned by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company is poised for long-term growth.

PPDAI Group has a beta of 0.34, suggesting that its share price is 66% less volatile than the broader market. Comparatively, EZCORP has a beta of 0.64, suggesting that its share price is 36% less volatile than the broader market.

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
PPDAI Group14.49% 12.31% 7.95%
EZCORP 9.97%13.99%7.49%

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
PPDAI Group$13.16B0.06$363.56M$1.063.09
EZCORP$1.27B1.46$109.61M$1.9815.33

PPDAI Group presently has a consensus target price of $4.10, indicating a potential upside of 25.19%. EZCORP has a consensus target price of $38.80, indicating a potential upside of 27.82%. Given EZCORP's stronger consensus rating and higher probable upside, analysts plainly believe EZCORP 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
EZCORP
0 Sell rating(s)
2 Hold rating(s)
6 Buy rating(s)
0 Strong Buy rating(s)
2.75

In the previous week, EZCORP had 3 more articles in the media than PPDAI Group. MarketBeat recorded 4 mentions for EZCORP and 1 mentions for PPDAI Group. PPDAI Group's average media sentiment score of 1.19 beat EZCORP's score of 1.00 indicating that PPDAI Group is being referred to more favorably in the media.

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

Summary

EZCORP beats PPDAI Group on 10 of the 16 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 compare the two businesses based on the strength of their risk, analyst recommendations, dividends, media sentiment, institutional ownership, earnings, valuation and profitability.

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$1.05B1.80$135.68M$1.669.86
PPDAI Group$13.16B0.06$363.56M$1.063.09

74.1% of Lendingclub shares are held by institutional investors. Comparatively, 31.1% 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 company will outperform the market over the long term.

In the previous week, Lendingclub had 1 more articles in the media than PPDAI Group. MarketBeat recorded 2 mentions for Lendingclub and 1 mentions for PPDAI Group. PPDAI Group's average media sentiment score of 1.19 beat Lendingclub's score of 0.93 indicating that PPDAI Group is being referred to more favorably in the news 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
1 Very Positive mention(s)
0 Positive mention(s)
0 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive

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%

Lendingclub currently has a consensus target price of $25.00, suggesting a potential upside of 52.68%. PPDAI Group has a consensus target price of $4.10, suggesting a potential upside of 25.19%. Given Lendingclub's stronger consensus rating and higher probable upside, equities research 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 1.86, indicating that its share price is 86% more volatile than the broader market. Comparatively, PPDAI Group has a beta of 0.34, indicating that its share price is 66% less volatile than the broader market.

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$796.77M$7.16B$13.88B$23.08B
Dividend YieldN/A12.63%5.95%3.58%
P/E Ratio3.098.8625.3328.42
Price / Sales0.0673.35507.4488.62
Price / Cash2.1011.5730.3019.47
Price / Book0.332.572.734.71
Net Income$363.56M$442.63M$1.31B$1.07B
7 Day Performance-3.82%-1.87%-1.18%-2.42%
1 Month Performance-25.31%-4.73%-0.91%-4.27%
1 Year Performance-57.58%6.61%9.60%8.87%

PPDAI Group Competitors List

CompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)
FINV
PPDAI Group
2.9901 of 5 stars
$3.28
-3.4%
$4.10
+25.2%
-54.6%$796.77M$13.16B3.093,869
UPST
Upstart
4.4967 of 5 stars
$27.15
-3.2%
$44.40
+63.5%
-58.6%$2.64B$1.04B55.471,405
LC
LendingClub
2.9899 of 5 stars
$19.21
flat
$23.07
+20.1%
N/A$2.22B$1.03B12.891,075
ECPG
Encore Capital Group
2.4542 of 5 stars
$99.66
+2.4%
$89.75
-9.9%
+125.6%$2.11B$1.90B7.547,350
EZPW
EZCORP
4.0105 of 5 stars
$33.63
+0.9%
$38.80
+15.4%
+89.6%$2.06B$1.27B16.958,500

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This page (NYSE:FINV) was last updated on 9/15/2026 by MarketBeat.com Staff.
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