OppFi (OPFI) Competitors

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

Do analysts recommend UPST or OPFI?

Upstart currently has a consensus price target of $66.96, suggesting a potential upside of 22.69%. OppFi has a consensus price target of $13.63, suggesting a potential upside of 8.48%. Given Upstart's higher possible upside, research analysts clearly believe Upstart is more favorable than OppFi.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Upstart	1 Sell rating(s)	8 Hold rating(s)	5 Buy rating(s)	0 Strong Buy rating(s)	2.29
OppFi	0 Sell rating(s)	1 Hold rating(s)	3 Buy rating(s)	0 Strong Buy rating(s)	2.75

Do insiders and institutionals hold more shares of UPST or OPFI?

63.0% of Upstart shares are held by institutional investors. Comparatively, 7.1% of OppFi shares are held by institutional investors. 16.7% of Upstart shares are held by insiders. Comparatively, 72.0% of OppFi shares are held by 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.

Which has more risk & volatility, UPST or OPFI?

Upstart has a beta of 2.29, indicating that its share price is 129% more volatile than the S&P 500. Comparatively, OppFi has a beta of 1.73, indicating that its share price is 73% more volatile than the S&P 500.

Does the MarketBeat Community prefer UPST or OPFI?

Upstart received 41 more outperform votes than OppFi when rated by MarketBeat users. However, 61.29% of users gave OppFi an outperform vote while only 32.26% of users gave Upstart an outperform vote.

Company	Underperform	Outperform
Upstart	Outperform Votes 60 32.26%	Underperform Votes 126 67.74%
OppFi	Outperform Votes 19 61.29%	Underperform Votes 12 38.71%

Does the media favor UPST or OPFI?

In the previous week, OppFi had 6 more articles in the media than Upstart. MarketBeat recorded 13 mentions for OppFi and 7 mentions for Upstart. OppFi's average media sentiment score of 0.92 beat Upstart's score of 0.82 indicating that OppFi is being referred to more favorably in the news media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
Upstart	2 Very Positive mention(s)	1 Positive mention(s)	2 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive
OppFi	2 Very Positive mention(s)	0 Positive mention(s)	5 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive

Is UPST or OPFI more profitable?

OppFi has a net margin of 1.40% compared to Upstart's net margin of -20.20%. OppFi's return on equity of 35.04% beat Upstart's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Upstart	-20.20%	-25.87%	-7.95%
OppFi	1.40%	35.04%	12.09%

Which has higher valuation and earnings, UPST or OPFI?

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

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Upstart	$714.41M	7.27	-$128.58M	-$0.75	-72.77
OppFi	$538.89M	2.02	-$1M	-$0.37	-33.95

Summary

OppFi beats Upstart on 11 of the 18 factors compared between the two stocks.