OppFi (OPFI) Competitors

$9.00 +0.14 (+1.58%)

As of 02:54 PM Eastern

OPFI vs. UPST, NIC, CLSK, PRK, and FBK

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), Nicolet Bankshares (NIC), Cleanspark (CLSK), Park National (PRK), and FB Financial (FBK). These companies are all part of the "banking" industry.

How does OppFi compare to Upstart?

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

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Upstart	$1.04B	2.66	$53.60M	$0.38	76.29
OppFi	$597.05M	1.29	$26.33M	$0.93	9.68

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 company insiders. Comparatively, 70.2% of OppFi shares are held by company insiders. Strong institutional ownership is an indication that endowments, large money managers 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
Upstart	4.34%	5.63%	1.49%
OppFi	10.86%	39.90%	15.95%

Upstart has a beta of 2.26, meaning that its stock price is 126% more volatile than the broader market. Comparatively, OppFi has a beta of 1.86, meaning that its stock price is 86% more volatile than the broader market.

Upstart presently has a consensus price target of $45.79, indicating a potential upside of 57.93%. OppFi has a consensus price target of $13.00, indicating a potential upside of 44.44%. Given Upstart's higher possible upside, equities research analysts clearly believe Upstart is more favorable than OppFi.

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

In the previous week, Upstart had 16 more articles in the media than OppFi. MarketBeat recorded 33 mentions for Upstart and 17 mentions for OppFi. OppFi's average media sentiment score of 0.59 beat Upstart's score of 0.21 indicating that OppFi is being referred to more favorably in the news media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
Upstart	5 Very Positive mention(s)	1 Positive mention(s)	21 Neutral mention(s)	3 Negative mention(s)	0 Very Negative mention(s)	Neutral
OppFi	4 Very Positive mention(s)	2 Positive mention(s)	5 Neutral mention(s)	0 Negative mention(s)	1 Very Negative mention(s)	Positive

Summary

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

How does OppFi compare to Nicolet Bankshares?

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

Nicolet Bankshares has higher earnings, but lower revenue than OppFi. OppFi is trading at a lower price-to-earnings ratio than Nicolet Bankshares, 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
Nicolet Bankshares	$556.52M	5.42	$150.69M	$8.53	16.64
OppFi	$597.05M	1.29	$26.33M	$0.93	9.68

43.1% of Nicolet Bankshares shares are owned by institutional investors. Comparatively, 7.1% of OppFi shares are owned by institutional investors. 7.2% of Nicolet Bankshares 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 stock is poised for long-term growth.

Nicolet Bankshares has a net margin of 21.89% compared to OppFi's net margin of 10.86%. OppFi's return on equity of 39.90% beat Nicolet Bankshares' return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Nicolet Bankshares	21.89%	11.48%	1.59%
OppFi	10.86%	39.90%	15.95%

Nicolet Bankshares has a beta of 0.7, suggesting that its stock price is 30% less volatile than the broader market. Comparatively, OppFi has a beta of 1.86, suggesting that its stock price is 86% more volatile than the broader market.

Nicolet Bankshares currently has a consensus price target of $176.50, indicating a potential upside of 24.35%. OppFi has a consensus price target of $13.00, indicating a potential upside of 44.44%. Given OppFi's higher probable upside, analysts plainly believe OppFi is more favorable than Nicolet Bankshares.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Nicolet Bankshares	0 Sell rating(s)	1 Hold rating(s)	5 Buy rating(s)	0 Strong Buy rating(s)	2.83
OppFi	0 Sell rating(s)	3 Hold rating(s)	1 Buy rating(s)	0 Strong Buy rating(s)	2.25

In the previous week, OppFi had 16 more articles in the media than Nicolet Bankshares. MarketBeat recorded 17 mentions for OppFi and 1 mentions for Nicolet Bankshares. Nicolet Bankshares' average media sentiment score of 1.77 beat OppFi's score of 0.59 indicating that Nicolet Bankshares is being referred to more favorably in the media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
Nicolet Bankshares	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	4 Very Positive mention(s)	2 Positive mention(s)	5 Neutral mention(s)	0 Negative mention(s)	1 Very Negative mention(s)	Positive

Summary

Nicolet Bankshares beats OppFi on 9 of the 16 factors compared between the two stocks.

How does OppFi compare to Cleanspark?

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

In the previous week, Cleanspark had 32 more articles in the media than OppFi. MarketBeat recorded 49 mentions for Cleanspark and 17 mentions for OppFi. OppFi's average media sentiment score of 0.59 beat Cleanspark's score of 0.39 indicating that OppFi is being referred to more favorably in the news media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
Cleanspark	13 Very Positive mention(s)	7 Positive mention(s)	8 Neutral mention(s)	1 Negative mention(s)	2 Very Negative mention(s)	Neutral
OppFi	4 Very Positive mention(s)	2 Positive mention(s)	5 Neutral mention(s)	0 Negative mention(s)	1 Very Negative mention(s)	Positive

Cleanspark currently has a consensus price target of $20.44, indicating a potential upside of 46.56%. OppFi has a consensus price target of $13.00, indicating a potential upside of 44.44%. Given Cleanspark's stronger consensus rating and higher probable upside, equities analysts plainly believe Cleanspark is more favorable than OppFi.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Cleanspark	2 Sell rating(s)	0 Hold rating(s)	12 Buy rating(s)	1 Strong Buy rating(s)	2.80
OppFi	0 Sell rating(s)	3 Hold rating(s)	1 Buy rating(s)	0 Strong Buy rating(s)	2.25

Cleanspark has higher revenue and earnings than OppFi. Cleanspark 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
Cleanspark	$766.31M	4.67	$364.46M	-$1.07	N/A
OppFi	$597.05M	1.29	$26.33M	$0.93	9.68

Cleanspark has a beta of 3.71, suggesting that its stock price is 271% more volatile than the broader market. Comparatively, OppFi has a beta of 1.86, suggesting that its stock price is 86% more volatile than the broader market.

43.1% of Cleanspark shares are owned by institutional investors. Comparatively, 7.1% of OppFi shares are owned by institutional investors. 2.1% of Cleanspark 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 stock is poised for long-term growth.

OppFi has a net margin of 10.86% compared to Cleanspark's net margin of -67.66%. OppFi's return on equity of 39.90% beat Cleanspark's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Cleanspark	-67.66%	7.07%	3.77%
OppFi	10.86%	39.90%	15.95%

Summary

Cleanspark beats OppFi on 10 of the 17 factors compared between the two stocks.

How does OppFi compare to Park National?

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

In the previous week, OppFi had 16 more articles in the media than Park National. MarketBeat recorded 17 mentions for OppFi and 1 mentions for Park National. Park National's average media sentiment score of 1.67 beat OppFi's score of 0.59 indicating that Park National is being referred to more favorably in the news media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
OppFi	4 Very Positive mention(s)	2 Positive mention(s)	5 Neutral mention(s)	0 Negative mention(s)	1 Very Negative mention(s)	Positive
Park National	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 currently has a consensus price target of $13.00, indicating a potential upside of 44.44%. Park National has a consensus price target of $184.00, indicating a potential upside of 9.34%. Given OppFi's stronger consensus rating and higher possible upside, equities research analysts clearly believe OppFi is more favorable than Park National.

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
Park National	0 Sell rating(s)	4 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	2.00

Park National has lower revenue, but higher earnings than OppFi. OppFi is trading at a lower price-to-earnings ratio than Park National, 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	1.29	$26.33M	$0.93	9.68
Park National	$586.58M	5.18	$151.42M	$10.91	15.42

OppFi has a beta of 1.86, meaning that its share price is 86% more volatile than the broader market. Comparatively, Park National has a beta of 0.71, meaning that its share price is 29% less volatile than the broader market.

7.1% of OppFi shares are owned by institutional investors. Comparatively, 62.7% of Park National shares are owned by institutional investors. 70.2% of OppFi shares are owned by insiders. Comparatively, 2.2% of Park National 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.

Park National has a net margin of 23.46% compared to OppFi's net margin of 10.86%. OppFi's return on equity of 39.90% beat Park National's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
OppFi	10.86%	39.90%	15.95%
Park National	23.46%	12.31%	1.50%

Summary

OppFi beats Park National on 9 of the 16 factors compared between the two stocks.

How does OppFi compare to FB Financial?

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

7.1% of OppFi shares are owned by institutional investors. Comparatively, 65.4% of FB Financial shares are owned by institutional investors. 70.2% of OppFi shares are owned by insiders. Comparatively, 2.0% of FB Financial 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.

In the previous week, OppFi had 15 more articles in the media than FB Financial. MarketBeat recorded 17 mentions for OppFi and 2 mentions for FB Financial. FB Financial's average media sentiment score of 0.90 beat OppFi's score of 0.59 indicating that FB Financial is being referred to more favorably in the news media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
OppFi	4 Very Positive mention(s)	2 Positive mention(s)	5 Neutral mention(s)	0 Negative mention(s)	1 Very Negative mention(s)	Positive
FB Financial	1 Very Positive mention(s)	1 Positive mention(s)	0 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive

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
OppFi	$597.05M	1.29	$26.33M	$0.93	9.68
FB Financial	$602.54M	4.43	$122.62M	$2.66	19.48

OppFi currently has a consensus price target of $13.00, indicating a potential upside of 44.44%. FB Financial has a consensus price target of $64.00, indicating a potential upside of 23.50%. Given OppFi's higher possible upside, equities research analysts clearly believe OppFi is more favorable than FB Financial.

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
FB Financial	0 Sell rating(s)	0 Hold rating(s)	5 Buy rating(s)	1 Strong Buy rating(s)	3.17

OppFi has a beta of 1.86, meaning that its share price is 86% more volatile than the broader market. Comparatively, FB Financial has a beta of 0.97, meaning that its share price is 3% less volatile than the broader market.

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
OppFi	10.86%	39.90%	15.95%
FB Financial	14.26%	11.64%	1.40%

Summary

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

Get OppFi News Delivered to You Automatically

Subscribe Now

SMS is currently available in Australia, Belgium, Canada, France, Germany, Ireland, Italy, New Zealand, the Netherlands, Singapore, South Africa, Spain, Switzerland, the United Kingdom, and the United States. By entering your phone number and clicking the sign-up button, you agree to receive periodic text messages from MarketBeat at the phone number you submitted, including texts that may be sent using an automatic telephone dialing system. Message and data rates may apply. Message frequency will vary. Messages will consist of stock alerts, news stories, and partner advertisements/offers. Consent is not a condition of the purchase of any goods or services. Text HELP for help/customer support. Unsubscribe at any time by replying "STOP" to any text message that you receive from MarketBeat or by visiting our mailing preferences page. Read our full terms of service and privacy policy.

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	$769.36M	$28.63B	$6.33B	$22.99B
Dividend Yield	N/A	3.14%	3.12%	4.07%
P/E Ratio	9.69	33.71	31.62	28.42
Price / Sales	1.29	7.96	432.57	24.19
Price / Cash	15.76	15.69	23.44	25.11
Price / Book	2.24	5.58	6.74	4.75
Net Income	$26.33M	$1.08B	$199.93M	$1.06B
7 Day Performance	-9.00%	-3.34%	-0.13%	-0.67%
1 Month Performance	6.26%	3.37%	1.75%	1.82%
1 Year Performance	-25.50%	-12.21%	36.42%	25.05%

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	3.7758 of 5 stars	$9.00 +1.6%	$13.00 +44.4%	-28.6%	$769.36M	$597.05M	9.69	570	Earnings Report Analyst Upgrade
UPST Upstart	4.8569 of 5 stars	$32.08 -2.0%	$48.00 +49.6%	-49.7%	$3.13B	$1.04B	76.38	1,405	Trending News Insider Trade Gap Up
NIC Nicolet Bankshares	4.8046 of 5 stars	$144.77 -1.2%	$176.50 +21.9%	+14.1%	$3.13B	$556.52M	16.97	860
CLSK Cleanspark	2.9829 of 5 stars	$12.82 +5.3%	$20.29 +58.3%	+33.0%	$3.11B	$766.31M	N/A	130	Trending News Earnings Report Analyst Downgrade Options Volume Analyst Revision
PRK Park National	2.8317 of 5 stars	$171.41 -1.1%	$184.00 +7.3%	-1.2%	$3.10B	$586.58M	18.41	1,790

Related Companies and Tools

Related Companies

Top 10 Stock Comparisons

This page (NYSE:OPFI) was last updated on 5/14/2026 by MarketBeat.com Staff.

From Our Partners

Get 30 Days of MarketBeat All Access for Free

Start Your 30-Day Trial

In-depth profiles and analysis for 20,000 public companies.
Real-time analyst ratings, insider transactions, earnings data, and more.
Our daily ratings and market update email newsletter.

Sign In
Create Account

Your Email Address:

Your Password:

Forgot your password?

Your Email Address:

Choose a Password:

By creating a free account, you agree to our terms of service. This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

OppFi (OPFI) Competitors