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OppFi (OPFI) Competitors

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$7.00 -0.16 (-2.23%)
As of 08/21/2026 03:58 PM Eastern

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

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

How does OppFi compare to Upstart?

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

Upstart has higher revenue and earnings than OppFi. OppFi 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
OppFi$597.05M1.00$26.33M$1.893.70
Upstart$1.04B2.82$53.60M$0.4961.84

OppFi has a beta of 1.77, meaning that its stock price is 77% more volatile than the broader market. Comparatively, Upstart has a beta of 2.29, meaning that its stock price is 129% more volatile than the broader market.

OppFi currently has a consensus price target of $10.25, suggesting a potential upside of 46.43%. Upstart has a consensus price target of $44.40, suggesting a potential upside of 46.53%. Given Upstart's stronger consensus rating and higher possible upside, analysts plainly believe Upstart is more favorable than OppFi.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
OppFi
0 Sell rating(s)
3 Hold rating(s)
2 Buy rating(s)
0 Strong Buy rating(s)
2.40
Upstart
1 Sell rating(s)
7 Hold rating(s)
8 Buy rating(s)
0 Strong Buy rating(s)
2.44

OppFi has a net margin of 16.64% compared to Upstart's net margin of 4.84%. OppFi's return on equity of 30.89% beat Upstart's return on equity.

Company Net Margins Return on Equity Return on Assets
OppFi16.64% 30.89% 13.99%
Upstart 4.84%7.13%1.82%

In the previous week, Upstart had 16 more articles in the media than OppFi. MarketBeat recorded 25 mentions for Upstart and 9 mentions for OppFi. OppFi's average media sentiment score of 0.99 beat Upstart's score of 0.64 indicating that OppFi is being referred to more favorably in the media.

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

7.1% of OppFi shares are held by institutional investors. Comparatively, 63.0% of Upstart shares are held by institutional investors. 70.2% of OppFi shares are held by insiders. Comparatively, 17.3% of Upstart shares are held by 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

Upstart beats OppFi on 10 of the 16 factors compared between the two stocks.

How does OppFi compare to Lendingclub?

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

In the previous week, OppFi had 1 more articles in the media than Lendingclub. MarketBeat recorded 9 mentions for OppFi and 8 mentions for Lendingclub. OppFi's average media sentiment score of 0.99 beat Lendingclub's score of 0.10 indicating that OppFi is being referred to more favorably in the news media.

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

Lendingclub has a beta of 1.91, suggesting that its share price is 91% more volatile than the broader market. Comparatively, OppFi has a beta of 1.77, suggesting that its share price is 77% more volatile than the broader market.

Lendingclub currently has a consensus price target of $25.00, suggesting a potential upside of 35.72%. OppFi has a consensus price target of $10.25, suggesting a potential upside of 46.43%. Given OppFi's higher possible upside, analysts plainly believe OppFi is more favorable than Lendingclub.

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
OppFi
0 Sell rating(s)
3 Hold rating(s)
2 Buy rating(s)
0 Strong Buy rating(s)
2.40

Lendingclub has a net margin of 18.67% compared to OppFi's net margin of 16.64%. OppFi's return on equity of 30.89% beat Lendingclub's return on equity.

Company Net Margins Return on Equity Return on Assets
Lendingclub18.67% 12.92% 1.66%
OppFi 16.64%30.89%13.99%

Lendingclub has higher revenue and earnings than OppFi. OppFi 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$998.85M2.13$135.68M$1.6611.10
OppFi$597.05M1.00$26.33M$1.893.70

74.1% of Lendingclub shares are owned by institutional investors. Comparatively, 7.1% of OppFi shares are owned by institutional investors. 3.3% of Lendingclub shares are owned by company insiders. Comparatively, 70.2% of OppFi 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 OppFi on 8 of the 15 factors compared between the two stocks.

How does OppFi compare to LendingClub?

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

LendingClub has higher revenue and earnings than OppFi. OppFi 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
OppFi$597.05M1.00$26.33M$1.893.70
LendingClub$1.03B2.14$135.68M$1.4912.89

In the previous week, OppFi had 8 more articles in the media than LendingClub. MarketBeat recorded 9 mentions for OppFi and 1 mentions for LendingClub. LendingClub's average media sentiment score of 1.83 beat OppFi's score of 0.99 indicating that LendingClub is being referred to more favorably in the news media.

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

OppFi has a beta of 1.77, indicating that its stock price is 77% more volatile than the broader market. Comparatively, LendingClub has a beta of 1.98, indicating that its stock price is 98% more volatile than the broader market.

OppFi presently has a consensus price target of $10.25, suggesting a potential upside of 46.43%. LendingClub has a consensus price target of $23.07, suggesting a potential upside of 20.10%. Given OppFi's higher possible upside, equities analysts plainly believe OppFi is more favorable than LendingClub.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
OppFi
0 Sell rating(s)
3 Hold rating(s)
2 Buy rating(s)
0 Strong Buy rating(s)
2.40
LendingClub
0 Sell rating(s)
2 Hold rating(s)
6 Buy rating(s)
1 Strong Buy rating(s)
2.89

7.1% of OppFi shares are held by institutional investors. Comparatively, 74.1% of LendingClub shares are held by institutional investors. 70.2% of OppFi shares are held by insiders. Comparatively, 3.2% of LendingClub shares are held by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock is poised for long-term growth.

LendingClub has a net margin of 16.99% compared to OppFi's net margin of 16.64%. OppFi's return on equity of 30.89% beat LendingClub's return on equity.

Company Net Margins Return on Equity Return on Assets
OppFi16.64% 30.89% 13.99%
LendingClub 16.99%11.92%1.55%

Summary

LendingClub beats OppFi on 11 of the 17 factors compared between the two stocks.

How does OppFi compare to Encore Capital Group?

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

Encore Capital Group has higher revenue and earnings than OppFi. OppFi 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$1.77B1.21$256.83M$13.217.66
OppFi$597.05M1.00$26.33M$1.893.70

OppFi has a net margin of 16.64% compared to Encore Capital Group's net margin of 15.86%. OppFi's return on equity of 30.89% beat Encore Capital Group's return on equity.

Company Net Margins Return on Equity Return on Assets
Encore Capital Group15.86% 29.83% 5.58%
OppFi 16.64%30.89%13.99%

Encore Capital Group has a beta of 1.27, indicating that its share price is 27% more volatile than the broader market. Comparatively, OppFi has a beta of 1.77, indicating that its share price is 77% more volatile than the broader market.

In the previous week, OppFi had 2 more articles in the media than Encore Capital Group. MarketBeat recorded 9 mentions for OppFi and 7 mentions for Encore Capital Group. OppFi's average media sentiment score of 0.99 beat Encore Capital Group's score of 0.77 indicating that OppFi is being referred to more favorably in the news media.

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

Encore Capital Group presently has a consensus target price of $89.75, indicating a potential downside of 11.32%. OppFi has a consensus target price of $10.25, indicating a potential upside of 46.43%. Given OppFi's higher possible upside, analysts clearly believe OppFi 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
OppFi
0 Sell rating(s)
3 Hold rating(s)
2 Buy rating(s)
0 Strong Buy rating(s)
2.40

7.1% of OppFi shares are owned by institutional investors. 3.0% of Encore Capital Group shares are owned by insiders. Comparatively, 70.2% of OppFi 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.

Summary

OppFi beats Encore Capital Group on 9 of the 17 factors compared between the two stocks.

How does OppFi compare to EZCORP?

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

EZCORP has higher revenue and earnings than OppFi. OppFi 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$1.27B1.55$109.61M$1.9816.27
OppFi$597.05M1.00$26.33M$1.893.70

EZCORP presently has a consensus price target of $38.80, suggesting a potential upside of 20.42%. OppFi has a consensus price target of $10.25, suggesting a potential upside of 46.43%. Given OppFi's higher possible upside, analysts clearly believe OppFi 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
OppFi
0 Sell rating(s)
3 Hold rating(s)
2 Buy rating(s)
0 Strong Buy rating(s)
2.40

99.8% of EZCORP shares are held by institutional investors. Comparatively, 7.1% of OppFi shares are held by institutional investors. 2.1% of EZCORP shares are held by insiders. Comparatively, 70.2% of OppFi shares are held by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company is poised for long-term growth.

OppFi has a net margin of 16.64% compared to EZCORP's net margin of 9.97%. OppFi's return on equity of 30.89% beat EZCORP's return on equity.

Company Net Margins Return on Equity Return on Assets
EZCORP9.97% 13.99% 7.49%
OppFi 16.64%30.89%13.99%

EZCORP has a beta of 0.66, suggesting that its stock price is 34% less volatile than the broader market. Comparatively, OppFi has a beta of 1.77, suggesting that its stock price is 77% more volatile than the broader market.

In the previous week, OppFi had 8 more articles in the media than EZCORP. MarketBeat recorded 9 mentions for OppFi and 1 mentions for EZCORP. OppFi's average media sentiment score of 0.99 beat EZCORP's score of 0.00 indicating that OppFi is being referred to more favorably in the news media.

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

Summary

EZCORP and OppFi tied by winning 8 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

MetricOppFiConsumer Finance IndustryFinance SectorNYSE Exchange
Market Cap$594.75M$7.50B$13.63B$24.31B
Dividend YieldN/A12.27%5.89%3.70%
P/E Ratio3.709.1829.6130.31
Price / Sales1.0078.62521.6220.99
Price / Cash11.8311.8238.1932.49
Price / Book1.442.752.186.77
Net Income$26.33M$442.63M$1.31B$1.07B
7 Day Performance-2.22%-0.51%-0.30%-0.65%
1 Month Performance-20.86%2.24%2.37%3.38%
1 Year Performance-28.61%8.79%9.68%14.90%

OppFi Competitors List

CompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)
OPFI
OppFi
4.9107 of 5 stars
$7.00
-2.2%
$10.25
+46.4%
-28.6%$594.75M$597.05M3.70570
UPST
Upstart
4.1618 of 5 stars
$30.21
-2.8%
$44.40
+47.0%
-56.0%$3.03B$1.04B61.651,405
HAPN
Lendingclub
4.6167 of 5 stars
$19.44
+0.4%
$25.00
+28.6%
N/A$2.24B$998.85M11.711,075
LC
LendingClub
3.7855 of 5 stars
$19.21
flat
$23.07
+20.1%
N/A$2.22B$1.03B12.891,075
ECPG
Encore Capital Group
3.4439 of 5 stars
$94.92
-5.3%
$89.75
-5.4%
+139.6%$2.13B$1.77B7.197,350

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This page (NYSE:OPFI) was last updated on 8/23/2026 by MarketBeat.com Staff.
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