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OppFi (OPFI) Competitors

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$6.00 +0.05 (+0.76%)
Closing price 03:59 PM Eastern
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$6.07 +0.08 (+1.25%)
As of 07:30 PM Eastern
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OPFI vs. LC, ECPG, EZPW, HAPN, and PRG

Should you buy OppFi stock or one of its competitors? OppFi's main competitors and comparable companies include LendingClub (LC), Encore Capital Group (ECPG), EZCORP (EZPW), Lendingclub (HAPN), and PROG (PRG). 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 LendingClub?

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

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

In the previous week, OppFi had 1 more articles in the media than LendingClub. MarketBeat recorded 1 mentions for OppFi and 0 mentions for LendingClub. LendingClub's average media sentiment score of 0.76 beat OppFi's score of -0.99 indicating that LendingClub is being referred to more favorably in the news media.

Company Overall Sentiment
OppFi Negative
LendingClub Positive

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$597.05M0.86$26.33M$1.893.17
LendingClub$1.03B2.14$135.68M$1.4912.89

OppFi presently has a consensus price target of $10.50, indicating a potential upside of 75.15%. LendingClub has a consensus price target of $23.07, indicating a potential upside of 20.10%. Given OppFi's higher probable upside, research analysts plainly believe OppFi is more favorable than LendingClub.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
OppFi
1 Sell rating(s)
3 Hold rating(s)
2 Buy rating(s)
0 Strong Buy rating(s)
2.17
LendingClub
0 Sell rating(s)
2 Hold rating(s)
6 Buy rating(s)
1 Strong Buy rating(s)
2.89

OppFi has a beta of 1.78, indicating that its share price is 78% more 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.

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?

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

7.1% of OppFi shares are held by institutional investors. 70.2% of OppFi 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 company will outperform the market over the long term.

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
OppFi16.64% 30.89% 13.99%
Encore Capital Group 15.86%29.83%5.58%

OppFi currently has a consensus price target of $10.50, indicating a potential upside of 75.15%. Encore Capital Group has a consensus price target of $89.75, indicating a potential downside of 6.43%. Given OppFi's higher probable upside, analysts plainly believe OppFi is more favorable than Encore Capital Group.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
OppFi
1 Sell rating(s)
3 Hold rating(s)
2 Buy rating(s)
0 Strong Buy rating(s)
2.17
Encore Capital Group
0 Sell rating(s)
0 Hold rating(s)
5 Buy rating(s)
1 Strong Buy rating(s)
3.17

In the previous week, Encore Capital Group had 3 more articles in the media than OppFi. MarketBeat recorded 4 mentions for Encore Capital Group and 1 mentions for OppFi. Encore Capital Group's average media sentiment score of 0.99 beat OppFi's score of -0.99 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
OppFi
0 Very Positive mention(s)
0 Positive mention(s)
0 Neutral mention(s)
1 Negative mention(s)
0 Very Negative mention(s)
Negative
Encore Capital Group
3 Very Positive mention(s)
0 Positive mention(s)
1 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive

OppFi has a beta of 1.78, meaning that its share price is 78% more volatile than the broader market. Comparatively, Encore Capital Group has a beta of 1.3, meaning that its share price is 30% more volatile than the broader market.

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
OppFi$597.05M0.86$26.33M$1.893.17
Encore Capital Group$1.77B1.15$256.83M$13.217.26

Summary

Encore Capital Group beats OppFi on 10 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 investment? We will contrast the two businesses based on the strength of their risk, analyst recommendations, profitability, institutional ownership, valuation, earnings, dividends and media sentiment.

EZCORP presently has a consensus price target of $38.80, indicating a potential upside of 28.48%. OppFi has a consensus price target of $10.50, indicating a potential upside of 75.15%. 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
1 Sell rating(s)
3 Hold rating(s)
2 Buy rating(s)
0 Strong Buy rating(s)
2.17

In the previous week, EZCORP had 3 more articles in the media than OppFi. MarketBeat recorded 4 mentions for EZCORP and 1 mentions for OppFi. EZCORP's average media sentiment score of 0.74 beat OppFi's score of -0.99 indicating that EZCORP is being referred to more favorably in the media.

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

99.8% of EZCORP shares are owned by institutional investors. Comparatively, 7.1% of OppFi shares are owned by institutional investors. 2.1% of EZCORP shares are owned by insiders. Comparatively, 70.2% of OppFi shares are owned 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.

EZCORP has a beta of 0.71, meaning that its share price is 29% less volatile than the broader market. Comparatively, OppFi has a beta of 1.78, meaning that its share price is 78% more volatile than the broader market.

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 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$1.58B1.17$109.61M$1.9815.25
OppFi$597.05M0.86$26.33M$1.893.17

Summary

EZCORP 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 small-cap finance companies, but which is the superior business? We will compare the two businesses based on the strength of their analyst recommendations, media sentiment, earnings, dividends, risk, institutional ownership, profitability and valuation.

In the previous week, Lendingclub and Lendingclub both had 1 articles in the media. Lendingclub's average media sentiment score of 0.51 beat OppFi's score of -0.99 indicating that Lendingclub is being referred to more favorably in the 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
OppFi
0 Very Positive mention(s)
0 Positive mention(s)
0 Neutral mention(s)
1 Negative mention(s)
0 Very Negative mention(s)
Negative

Lendingclub presently has a consensus price target of $25.00, indicating a potential upside of 62.55%. OppFi has a consensus price target of $10.50, indicating a potential upside of 75.15%. Given OppFi's higher probable 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
1 Sell rating(s)
3 Hold rating(s)
2 Buy rating(s)
0 Strong Buy rating(s)
2.17

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$998.85M1.78$135.68M$1.669.27
OppFi$597.05M0.86$26.33M$1.893.17

Lendingclub has a beta of 1.88, indicating that its stock price is 88% more volatile than the broader market. Comparatively, OppFi has a beta of 1.78, indicating that its stock price is 78% more volatile than the broader market.

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 insiders. Comparatively, 70.2% of OppFi 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.

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%

Summary

Lendingclub beats OppFi on 9 of the 14 factors compared between the two stocks.

How does OppFi compare to PROG?

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

In the previous week, PROG had 2 more articles in the media than OppFi. MarketBeat recorded 3 mentions for PROG and 1 mentions for OppFi. PROG's average media sentiment score of -0.67 beat OppFi's score of -0.99 indicating that PROG is being referred to more favorably in the media.

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

PROG has a beta of 1.78, suggesting that its share price is 78% more volatile than the broader market. Comparatively, OppFi has a beta of 1.78, suggesting that its share price is 78% more volatile than the broader market.

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

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
PROG$2.41B0.51$146.79M$3.628.56
OppFi$597.05M0.86$26.33M$1.893.17

97.9% of PROG shares are held by institutional investors. Comparatively, 7.1% of OppFi shares are held by institutional investors. 3.7% of PROG shares are held by insiders. Comparatively, 70.2% of OppFi shares are held by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company is poised for long-term growth.

PROG currently has a consensus target price of $49.44, indicating a potential upside of 59.55%. OppFi has a consensus target price of $10.50, indicating a potential upside of 75.15%. Given OppFi's higher possible upside, analysts plainly believe OppFi is more favorable than PROG.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
PROG
0 Sell rating(s)
4 Hold rating(s)
6 Buy rating(s)
0 Strong Buy rating(s)
2.60
OppFi
1 Sell rating(s)
3 Hold rating(s)
2 Buy rating(s)
0 Strong Buy rating(s)
2.17

OppFi has a net margin of 16.64% compared to PROG's net margin of 5.57%. OppFi's return on equity of 30.89% beat PROG's return on equity.

Company Net Margins Return on Equity Return on Assets
PROG5.57% 21.88% 9.15%
OppFi 16.64%30.89%13.99%

Summary

PROG beats OppFi on 9 of the 15 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$506.99M$6.69B$13.34B$22.65B
Dividend YieldN/A12.79%6.02%3.73%
P/E Ratio3.178.4424.4927.75
Price / Sales0.8666.42499.2121.32
Price / Cash10.0911.0846.4538.88
Price / Book1.672.482.704.64
Net Income$26.33M$442.63M$1.32B$1.08B
7 Day Performance-4.61%-1.99%-1.04%-1.06%
1 Month Performance-17.23%-6.24%1.00%-5.03%
1 Year Performance-44.20%0.82%8.15%5.78%

OppFi Competitors List

CompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)
OPFI
OppFi
4.4938 of 5 stars
$6.00
+0.8%
$10.50
+75.1%
-46.8%$506.99M$597.05M3.17410
LC
LendingClub
3.5898 of 5 stars
$19.21
flat
$23.07
+20.1%
N/A$2.22B$1.03B12.891,075
ECPG
Encore Capital Group
2.3718 of 5 stars
$99.37
-0.2%
$89.75
-9.7%
+132.3%$2.11B$1.77B7.527,350
EZPW
EZCORP
3.9985 of 5 stars
$30.11
-1.8%
$38.80
+28.9%
+65.8%$1.88B$1.27B15.218,500
HAPN
Lendingclub
3.9502 of 5 stars
$16.20
+0.1%
$25.00
+54.3%
N/A$1.87B$998.85M9.761,075

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This page (NYSE:OPFI) was last updated on 10/2/2026 by MarketBeat.com Staff.
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