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OppFi (OPFI) Competitors

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$10.26 +0.29 (+2.86%)
Closing price 10/14/2025 03:58 PM Eastern
Extended Trading
$10.22 -0.04 (-0.34%)
As of 10/14/2025 07:59 PM Eastern
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OPFI vs. LU, FBK, FHB, BMA, ENVA, DAVE, PRK, BFH, BUR, and MFH

Should you be buying OppFi stock or one of its competitors? The main competitors of OppFi include Lufax (LU), FB Financial (FBK), First Hawaiian (FHB), Macro Bank (BMA), Enova International (ENVA), Dave (DAVE), Park National (PRK), Bread Financial (BFH), Burford Capital (BUR), and Mercurity Fintech (MFH). These companies are all part of the "banking" industry.

OppFi vs. Its Competitors

Lufax (NYSE:LU) and OppFi (NYSE:OPFI) are both banking companies, but which is the superior business? We will compare the two businesses based on the strength of their risk, institutional ownership, media sentiment, dividends, valuation, earnings, profitability and analyst recommendations.

69.1% of Lufax shares are held by institutional investors. Comparatively, 7.1% of OppFi shares are held by institutional investors. 72.0% of OppFi shares are held by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock will outperform the market over the long term.

Lufax has a beta of 0.76, suggesting that its share price is 24% less volatile than the S&P 500. Comparatively, OppFi has a beta of 1.71, suggesting that its share price is 71% more volatile than the S&P 500.

Lufax has a net margin of 0.00% compared to OppFi's net margin of -6.04%. OppFi's return on equity of 53.83% beat Lufax's return on equity.

Company Net Margins Return on Equity Return on Assets
LufaxN/A N/A N/A
OppFi -6.04%53.83%19.01%

Lufax currently has a consensus target price of $3.20, suggesting a potential downside of 11.97%. OppFi has a consensus target price of $13.63, suggesting a potential upside of 32.86%. Given OppFi's stronger consensus rating and higher probable upside, analysts plainly believe OppFi is more favorable than Lufax.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Lufax
2 Sell rating(s)
1 Hold rating(s)
0 Buy rating(s)
0 Strong Buy rating(s)
1.33
OppFi
1 Sell rating(s)
2 Hold rating(s)
3 Buy rating(s)
0 Strong Buy rating(s)
2.33

In the previous week, OppFi had 2 more articles in the media than Lufax. MarketBeat recorded 5 mentions for OppFi and 3 mentions for Lufax. Lufax's average media sentiment score of 0.78 beat OppFi's score of 0.05 indicating that Lufax is being referred to more favorably in the media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
Lufax
1 Very Positive mention(s)
1 Positive mention(s)
0 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive
OppFi
1 Very Positive mention(s)
1 Positive mention(s)
0 Neutral mention(s)
1 Negative mention(s)
0 Very Negative mention(s)
Neutral

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

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
Lufax$4.82B0.65$125.31M-$0.77-4.72
OppFi$525.96M1.70$7.26M-$1.31-7.83

Summary

OppFi beats Lufax on 9 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 OPFI 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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OPFI vs. The Competition

MetricOppFiFinancial Transaction Services IndustryBusiness SectorNYSE Exchange
Market Cap$870.44M$33.37B$31.64B$21.76B
Dividend YieldN/A2.32%2.93%3.63%
P/E Ratio-7.8338.4026.5429.93
Price / Sales1.7036.52955.5968.45
Price / Cash9.0816.3431.1623.91
Price / Book3.777.708.314.68
Net Income$7.26M$1.11B$196.57M$1.01B
7 Day Performance2.35%-3.30%-0.50%-0.71%
1 Month Performance-7.94%-1.55%4.91%1.18%
1 Year Performance110.14%32.02%56.51%14.46%

OppFi Competitors List

CompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)
OPFI
OppFi
2.6939 of 5 stars
$10.26
+2.9%
$13.63
+32.9%
+108.4%$870.44M$525.96M-7.83570
LU
Lufax
1.1105 of 5 stars
$4.09
+2.3%
$3.20
-21.8%
+5.1%$3.54B$4.82B-5.3136,215Upcoming Earnings
FBK
FB Financial
4.2499 of 5 stars
$59.28
+1.9%
$58.80
-0.8%
+22.1%$3.19B$764.61M30.721,490Trending News
Earnings Report
Gap Up
High Trading Volume
FHB
First Hawaiian
3.2965 of 5 stars
$24.82
+0.9%
$27.06
+9.0%
+4.2%$3.09B$1.17B12.792,000
BMA
Macro Bank
4.7726 of 5 stars
$43.56
+1.1%
$66.63
+52.9%
-31.5%$2.78B$3.16T3.829,004Dividend Cut
Gap Down
ENVA
Enova International
2.7653 of 5 stars
$110.52
-2.4%
$111.00
+0.4%
+28.6%$2.76B$2.66B11.731,787Gap Down
DAVE
Dave
3.9204 of 5 stars
$200.28
-1.5%
$274.13
+36.9%
+393.6%$2.70B$347.10M52.98250Trending News
Analyst Revision
Gap Down
PRK
Park National
2.4342 of 5 stars
$162.32
+0.5%
$177.75
+9.5%
-6.3%$2.61B$543.45M17.441,790
BFH
Bread Financial
4.339 of 5 stars
$54.77
-1.7%
$66.20
+20.9%
+16.6%$2.55B$4.80B9.276,000
BUR
Burford Capital
4.1444 of 5 stars
$11.52
-3.5%
$18.00
+56.3%
-16.8%$2.52B$546.09M10.67140
MFH
Mercurity Fintech
0.6276 of 5 stars
$35.79
+21.7%
N/A+1,058.5%$2.47B$1.01M0.0010Gap Down

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This page (NYSE:OPFI) was last updated on 10/15/2025 by MarketBeat.com Staff
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