Which has stronger valuation & earnings, OPFI or UPST?

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. Company Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio OppFi $597.05M 1.15 $26.33M $0.93 8.63 Upstart $1.04B 2.78 $53.60M $0.38 79.71

Is OPFI or UPST more profitable?

OppFi has a net margin of 10.86% compared to Upstart's net margin of 4.34%. OppFi's return on equity of 39.90% beat Upstart's return on equity. Company Net Margins Return on Equity Return on Assets OppFi 10.86% 39.90% 15.95% Upstart 4.34% 5.63% 1.49%

Which has better earnings and valuation, OPFI or INTR?

Inter & Co. Inc. has higher revenue and earnings than OppFi. OppFi is trading at a lower price-to-earnings ratio than Inter & Co. Inc., 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 OppFi $597.05M 1.15 $26.33M $0.93 8.63 Inter & Co. Inc. $9.00B 0.28 $235.05M $0.60 9.67

Is OPFI or INTR more profitable?

Inter & Co. Inc. has a net margin of 12.24% compared to OppFi's net margin of 10.86%. OppFi's return on equity of 39.90% beat Inter & Co. Inc.'s return on equity. Company Net Margins Return on Equity Return on Assets OppFi 10.86% 39.90% 15.95% Inter & Co. Inc. 12.24% 14.34% 1.53%

Which has higher valuation & earnings, FBK or OPFI?

FB Financial has higher revenue and earnings than OppFi. OppFi is trading at a lower price-to-earnings ratio than FB Financial, 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 FB Financial $877.84M 3.04 $122.62M $2.66 19.48 OppFi $597.05M 1.15 $26.33M $0.93 8.63

Is FBK or OPFI more profitable?

FB Financial has a net margin of 14.26% compared to OppFi's net margin of 10.86%. OppFi's return on equity of 39.90% beat FB Financial's return on equity. Company Net Margins Return on Equity Return on Assets FB Financial 14.26% 11.64% 1.40% OppFi 10.86% 39.90% 15.95%

Which has stronger earnings and valuation, CUBI or OPFI?

Customers Bancorp has higher revenue and earnings than OppFi. OppFi is trading at a lower price-to-earnings ratio than Customers Bancorp, 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 Customers Bancorp $1.48B 1.66 $224.09M $7.88 9.24 OppFi $597.05M 1.15 $26.33M $0.93 8.63

OppFi (OPFI) Competitors

$8.02 -0.34 (-4.01%)

Closing price 03:58 PM Eastern

Extended Trading

$8.14 +0.12 (+1.50%)

As of 06:17 PM Eastern

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OPFI vs. UPST, INTR, FBK, CUBI, and NTB

Should you buy OppFi stock or one of its competitors? MarketBeat compares OppFi with other companies and stocks that may be similar based on industry, sector, market capitalization, business model, investor interest, or shared news coverage. Companies and stocks commonly compared with OppFi include Upstart (UPST), Inter & Co. Inc. (INTR), FB Financial (FBK), Customers Bancorp (CUBI), and Bank of N.T. Butterfield & Son (NTB). These companies are all part of the "banking" industry.

How does OppFi compare to Upstart?

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

In the previous week, Upstart had 32 more articles in the media than OppFi. MarketBeat recorded 32 mentions for Upstart and 0 mentions for OppFi. Upstart's average media sentiment score of 0.27 beat OppFi's score of 0.00 indicating that Upstart is being referred to more favorably in the news media.

Company	Overall Sentiment
OppFi	Neutral
Upstart	Neutral

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 large money managers, endowments and hedge funds believe a stock will outperform the market over the long term.

OppFi has a net margin of 10.86% compared to Upstart's net margin of 4.34%. OppFi's return on equity of 39.90% beat Upstart's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
OppFi	10.86%	39.90%	15.95%
Upstart	4.34%	5.63%	1.49%

OppFi has a beta of 1.79, suggesting that its share price is 79% more volatile than the broader market. Comparatively, Upstart has a beta of 2.26, suggesting that its share price is 126% more volatile than the broader market.

OppFi presently has a consensus price target of $13.00, suggesting a potential upside of 61.99%. Upstart has a consensus price target of $45.79, suggesting a potential upside of 51.16%. Given OppFi's higher probable upside, research analysts plainly believe OppFi is more favorable than Upstart.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
OppFi	0 Sell rating(s)	3 Hold rating(s)	1 Buy rating(s)	0 Strong Buy rating(s)	2.25
Upstart	3 Sell rating(s)	6 Hold rating(s)	7 Buy rating(s)	0 Strong Buy rating(s)	2.25

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.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
OppFi	$597.05M	1.15	$26.33M	$0.93	8.63
Upstart	$1.04B	2.78	$53.60M	$0.38	79.71

Summary

Upstart beats OppFi on 9 of the 15 factors compared between the two stocks.

How does OppFi compare to Inter & Co. Inc.?

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

OppFi currently has a consensus target price of $13.00, indicating a potential upside of 61.99%. Inter & Co. Inc. has a consensus target price of $9.28, indicating a potential upside of 60.00%. Given OppFi's higher probable upside, equities research analysts clearly believe OppFi is more favorable than Inter & Co. Inc..

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
OppFi	0 Sell rating(s)	3 Hold rating(s)	1 Buy rating(s)	0 Strong Buy rating(s)	2.25
Inter & Co. Inc.	0 Sell rating(s)	3 Hold rating(s)	3 Buy rating(s)	0 Strong Buy rating(s)	2.50

Inter & Co. Inc. has a net margin of 12.24% compared to OppFi's net margin of 10.86%. OppFi's return on equity of 39.90% beat Inter & Co. Inc.'s return on equity.

Company	Net Margins	Return on Equity	Return on Assets
OppFi	10.86%	39.90%	15.95%
Inter & Co. Inc.	12.24%	14.34%	1.53%

7.1% of OppFi shares are owned by institutional investors. Comparatively, 22.9% of Inter & Co. Inc. shares are owned by institutional investors. 70.2% of OppFi shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company is poised for long-term growth.

Inter & Co. Inc. has higher revenue and earnings than OppFi. OppFi is trading at a lower price-to-earnings ratio than Inter & Co. Inc., 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
OppFi	$597.05M	1.15	$26.33M	$0.93	8.63
Inter & Co. Inc.	$9.00B	0.28	$235.05M	$0.60	9.67

In the previous week, Inter & Co. Inc. had 1 more articles in the media than OppFi. MarketBeat recorded 1 mentions for Inter & Co. Inc. and 0 mentions for OppFi. Inter & Co. Inc.'s average media sentiment score of 0.94 beat OppFi's score of 0.00 indicating that Inter & Co. Inc. is being referred to more favorably in the news media.

Company	Overall Sentiment
OppFi	Neutral
Inter & Co. Inc.	Positive

OppFi has a beta of 1.79, indicating that its stock price is 79% more volatile than the broader market. Comparatively, Inter & Co. Inc. has a beta of 0.91, indicating that its stock price is 9% less volatile than the broader market.

Summary

Inter & Co. Inc. beats OppFi on 9 of the 16 factors compared between the two stocks.

How does OppFi compare to FB Financial?

FB Financial (NYSE:FBK) and OppFi (NYSE:OPFI) are both banking companies, but which is the better investment? We will compare the two companies based on the strength of their risk, media sentiment, valuation, dividends, analyst recommendations, earnings, profitability and institutional ownership.

FB Financial has a beta of 0.95, indicating that its share price is 5% less volatile than the broader market. Comparatively, OppFi has a beta of 1.79, indicating that its share price is 79% more volatile than the broader market.

65.4% of FB Financial shares are held by institutional investors. Comparatively, 7.1% of OppFi shares are held by institutional investors. 2.0% of FB Financial shares are held by insiders. Comparatively, 70.2% of OppFi shares are held by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company will outperform the market over the long term.

FB Financial has a net margin of 14.26% compared to OppFi's net margin of 10.86%. OppFi's return on equity of 39.90% beat FB Financial's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
FB Financial	14.26%	11.64%	1.40%
OppFi	10.86%	39.90%	15.95%

FB Financial has higher revenue and earnings than OppFi. OppFi is trading at a lower price-to-earnings ratio than FB Financial, 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
FB Financial	$877.84M	3.04	$122.62M	$2.66	19.48
OppFi	$597.05M	1.15	$26.33M	$0.93	8.63

FB Financial presently has a consensus target price of $64.00, indicating a potential upside of 23.51%. OppFi has a consensus target price of $13.00, indicating a potential upside of 61.99%. Given OppFi's higher possible upside, analysts clearly believe OppFi is more favorable than FB Financial.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
FB Financial	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)	1 Buy rating(s)	0 Strong Buy rating(s)	2.25

In the previous week, FB Financial had 3 more articles in the media than OppFi. MarketBeat recorded 3 mentions for FB Financial and 0 mentions for OppFi. FB Financial's average media sentiment score of 0.85 beat OppFi's score of 0.00 indicating that FB Financial is being referred to more favorably in the media.

Company	Overall Sentiment
FB Financial	Positive
OppFi	Neutral

Summary

FB Financial beats OppFi on 12 of the 17 factors compared between the two stocks.

How does OppFi compare to Customers Bancorp?

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

Customers Bancorp has higher revenue and earnings than OppFi. OppFi is trading at a lower price-to-earnings ratio than Customers Bancorp, 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
Customers Bancorp	$1.48B	1.66	$224.09M	$7.88	9.24
OppFi	$597.05M	1.15	$26.33M	$0.93	8.63

Customers Bancorp has a beta of 1.49, suggesting that its stock price is 49% more volatile than the broader market. Comparatively, OppFi has a beta of 1.79, suggesting that its stock price is 79% more volatile than the broader market.

Customers Bancorp has a net margin of 18.63% compared to OppFi's net margin of 10.86%. OppFi's return on equity of 39.90% beat Customers Bancorp's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Customers Bancorp	18.63%	14.12%	1.17%
OppFi	10.86%	39.90%	15.95%

Customers Bancorp currently has a consensus price target of $87.50, indicating a potential upside of 20.20%. OppFi has a consensus price target of $13.00, indicating a potential upside of 61.99%. Given OppFi's higher probable upside, analysts clearly believe OppFi is more favorable than Customers Bancorp.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Customers Bancorp	0 Sell rating(s)	5 Hold rating(s)	6 Buy rating(s)	1 Strong Buy rating(s)	2.67
OppFi	0 Sell rating(s)	3 Hold rating(s)	1 Buy rating(s)	0 Strong Buy rating(s)	2.25

In the previous week, Customers Bancorp had 8 more articles in the media than OppFi. MarketBeat recorded 8 mentions for Customers Bancorp and 0 mentions for OppFi. Customers Bancorp's average media sentiment score of 1.17 beat OppFi's score of 0.00 indicating that Customers Bancorp is being referred to more favorably in the media.

Company	Overall Sentiment
Customers Bancorp	Positive
OppFi	Neutral

89.3% of Customers Bancorp shares are held by institutional investors. Comparatively, 7.1% of OppFi shares are held by institutional investors. 10.5% of Customers Bancorp shares are held by company insiders. Comparatively, 70.2% of OppFi 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.

Summary

Customers Bancorp beats OppFi on 12 of the 17 factors compared between the two stocks.

How does OppFi compare to Bank of N.T. Butterfield & Son?

OppFi (NYSE:OPFI) and Bank of N.T. Butterfield & Son (NYSE:NTB) are both banking companies, but which is the better stock? We will compare the two companies based on the strength of their dividends, valuation, analyst recommendations, profitability, risk, media sentiment, earnings and institutional ownership.

OppFi currently has a consensus price target of $13.00, indicating a potential upside of 61.99%. Bank of N.T. Butterfield & Son has a consensus price target of $55.00, indicating a potential downside of 1.21%. Given OppFi's higher probable upside, equities research analysts clearly believe OppFi is more favorable than Bank of N.T. Butterfield & Son.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
OppFi	0 Sell rating(s)	3 Hold rating(s)	1 Buy rating(s)	0 Strong Buy rating(s)	2.25
Bank of N.T. Butterfield & Son	0 Sell rating(s)	3 Hold rating(s)	1 Buy rating(s)	1 Strong Buy rating(s)	2.60

Bank of N.T. Butterfield & Son has a net margin of 30.22% compared to OppFi's net margin of 10.86%. OppFi's return on equity of 39.90% beat Bank of N.T. Butterfield & Son's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
OppFi	10.86%	39.90%	15.95%
Bank of N.T. Butterfield & Son	30.22%	21.92%	1.72%

In the previous week, Bank of N.T. Butterfield & Son had 7 more articles in the media than OppFi. MarketBeat recorded 7 mentions for Bank of N.T. Butterfield & Son and 0 mentions for OppFi. Bank of N.T. Butterfield & Son's average media sentiment score of 0.52 beat OppFi's score of 0.00 indicating that Bank of N.T. Butterfield & Son is being referred to more favorably in the news media.

Company	Overall Sentiment
OppFi	Neutral
Bank of N.T. Butterfield & Son	Positive

Bank of N.T. Butterfield & Son has higher revenue and earnings than OppFi. OppFi is trading at a lower price-to-earnings ratio than Bank of N.T. Butterfield & Son, 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
OppFi	$597.05M	1.15	$26.33M	$0.93	8.63
Bank of N.T. Butterfield & Son	$800.02M	2.92	$231.94M	$5.78	9.63

OppFi has a beta of 1.79, indicating that its stock price is 79% more volatile than the broader market. Comparatively, Bank of N.T. Butterfield & Son has a beta of 0.51, indicating that its stock price is 49% less volatile than the broader market.

7.1% of OppFi shares are owned by institutional investors. Comparatively, 62.7% of Bank of N.T. Butterfield & Son shares are owned by institutional investors. 70.2% of OppFi shares are owned by insiders. Comparatively, 1.2% of Bank of N.T. Butterfield & Son shares are owned 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.

Summary

Bank of N.T. Butterfield & Son beats OppFi 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 OPFI and its top 5 competitors to their watchlist. Each company is represented with a line over a 90 day period.

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.

OPFI vs. The Competition

Export

Metric	OppFi	Financial Transaction Services Industry	Business Sector	NYSE Exchange
Market Cap	$685.26M	$27.90B	$6.57B	$23.08B
Dividend Yield	N/A	3.50%	2.96%	4.09%
P/E Ratio	8.63	31.50	29.39	31.02
Price / Sales	1.15	9.13	414.58	14.81
Price / Cash	14.20	16.31	24.63	24.78
Price / Book	2.24	5.54	5.90	4.67
Net Income	$26.33M	$1.10B	$203.93M	$1.07B
7 Day Performance	-4.86%	-3.35%	1.02%	-0.67%
1 Month Performance	-15.84%	-4.54%	1.37%	0.22%
1 Year Performance	-38.96%	-12.16%	40.53%	25.44%

OppFi Competitors List

Export

Company	MarketRank	Share Price	Analysts' Price Target	1Y Price Performance	Market Cap	Revenue	P/E Ratio	Employee Count	Indicator(s)
OPFI OppFi	3.8545 of 5 stars	$8.03 -4.0%	$13.00 +62.0%	-36.7%	$685.26M	$597.05M	8.63	570
UPST Upstart	4.8073 of 5 stars	$28.56 flat	$45.79 +60.3%	-32.4%	$2.73B	$1.04B	75.16	1,405	Trending News
INTR Inter & Co. Inc.	4.9581 of 5 stars	$6.16 flat	$9.48 +53.9%	-14.2%	$2.72B	$1.93B	10.27	4,124	Analyst Forecast Gap Down
FBK FB Financial	4.8458 of 5 stars	$52.73 +0.1%	$64.00 +21.4%	+23.1%	$2.71B	$877.84M	19.82	1,594
CUBI Customers Bancorp	4.3207 of 5 stars	$75.25 +0.1%	$87.50 +16.3%	+46.5%	$2.54B	$1.48B	9.55	640	Positive News

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This page (NYSE:OPFI) was last updated on 6/3/2026 by MarketBeat.com Staff.

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OppFi (OPFI) Competitors

OPFI vs. UPST, INTR, FBK, CUBI, and NTB

How does OppFi compare to Upstart?

Summary

How does OppFi compare to Inter & Co. Inc.?

Summary

How does OppFi compare to FB Financial?

Summary

How does OppFi compare to Customers Bancorp?

Summary

How does OppFi compare to Bank of N.T. Butterfield & Son?

Summary

New MarketBeat Followers Over Time

Media Sentiment Over Time

OPFI vs. The Competition

OppFi Competitors List

Related Companies and Tools

Best-in-Class Portfolio Monitoring

Stock Ideas and Recommendations

Advanced Stock Screeners and Research Tools

About MarketBeat

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Terms & Info

OppFi (OPFI) Competitors

OPFI vs. UPST, INTR, FBK, CUBI, and NTB

How does OppFi compare to Upstart?

Does the media prefer OPFI or UPST?

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

Is OPFI or UPST more profitable?

Which has more volatility & risk, OPFI or UPST?

Do analysts rate OPFI or UPST?

Which has stronger valuation & earnings, OPFI or UPST?

Summary

How does OppFi compare to Inter & Co. Inc.?

Do analysts rate OPFI or INTR?

Is OPFI or INTR more profitable?

Do institutionals & insiders believe in OPFI or INTR?

Which has better earnings and valuation, OPFI or INTR?

Does the media prefer OPFI or INTR?

Which has more risk and volatility, OPFI or INTR?

Summary

How does OppFi compare to FB Financial?

Which has more volatility & risk, FBK or OPFI?

Do institutionals and insiders have more ownership in FBK or OPFI?

Is FBK or OPFI more profitable?

Which has higher valuation & earnings, FBK or OPFI?

Do analysts prefer FBK or OPFI?

Does the media refer more to FBK or OPFI?

Summary

How does OppFi compare to Customers Bancorp?

Which has stronger earnings and valuation, CUBI or OPFI?

Which has more volatility and risk, CUBI or OPFI?

Is CUBI or OPFI more profitable?

Do analysts recommend CUBI or OPFI?

Does the media refer more to CUBI or OPFI?

Do institutionals and insiders have more ownership in CUBI or OPFI?

Summary

How does OppFi compare to Bank of N.T. Butterfield & Son?

Do analysts rate OPFI or NTB?

Is OPFI or NTB more profitable?

Does the media prefer OPFI or NTB?

Which has stronger earnings and valuation, OPFI or NTB?

Which has more risk & volatility, OPFI or NTB?

Do insiders & institutionals have more ownership in OPFI or NTB?

Summary

New MarketBeat Followers Over Time

Media Sentiment Over Time

OPFI vs. The Competition

OppFi Competitors List

Related Companies and Tools

MarketBeat All Access Features

Best-in-Class Portfolio Monitoring

Stock Ideas and Recommendations

Advanced Stock Screeners and Research Tools