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OppFi (OPFI) Competitors

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$7.93 +0.34 (+4.47%)
Closing price 09/11/2026 03:58 PM Eastern
Extended Trading
$7.98 +0.06 (+0.71%)
As of 09/11/2026 07:30 PM Eastern
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OPFI vs. LC, ECPG, HAPN, EZPW, 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), Lendingclub (HAPN), EZCORP (EZPW), 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 superior investment? We will compare the two companies based on the strength of their valuation, profitability, dividends, analyst recommendations, earnings, institutional ownership, media sentiment and risk.

In the previous week, OppFi had 11 more articles in the media than LendingClub. MarketBeat recorded 11 mentions for OppFi and 0 mentions for LendingClub. OppFi's average media sentiment score of 1.58 beat LendingClub's score of 0.00 indicating that OppFi is being referred to more favorably in the media.

Company Overall Sentiment
OppFi Very Positive
LendingClub Neutral

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 insiders. Comparatively, 3.2% of LendingClub 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.

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%

OppFi presently has a consensus target price of $10.50, suggesting a potential upside of 32.43%. LendingClub has a consensus target price of $23.07, suggesting a potential upside of 20.10%. Given OppFi's higher probable upside, equities 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 1.76, meaning that its share price is 76% more volatile than the broader market. Comparatively, LendingClub has a beta of 1.98, meaning that its share price is 98% more volatile than the broader market.

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$597.05M1.13$26.33M$1.894.20
LendingClub$1.03B2.14$135.68M$1.4912.89

Summary

LendingClub beats OppFi on 10 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 stock? We will compare the two companies based on the strength of their profitability, valuation, analyst recommendations, earnings, media sentiment, institutional ownership, risk and dividends.

OppFi currently has a consensus price target of $10.50, suggesting a potential upside of 32.43%. Encore Capital Group has a consensus price target of $89.75, suggesting a potential downside of 8.94%. Given OppFi's higher probable upside, equities research analysts clearly 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

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$597.05M1.13$26.33M$1.894.20
Encore Capital Group$1.77B1.18$256.83M$13.217.46

In the previous week, OppFi had 7 more articles in the media than Encore Capital Group. MarketBeat recorded 11 mentions for OppFi and 4 mentions for Encore Capital Group. Encore Capital Group's average media sentiment score of 1.70 beat OppFi's score of 1.58 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
7 Very Positive mention(s)
0 Positive mention(s)
0 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Very Positive
Encore Capital Group
3 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 1.76, meaning that its stock price is 76% more volatile than the broader market. Comparatively, Encore Capital Group has a beta of 1.27, meaning that its stock price is 27% more volatile than the broader market.

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

Summary

Encore Capital Group beats OppFi on 9 of the 17 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 contrast the two businesses based on the strength of their valuation, profitability, dividends, media sentiment, risk, institutional ownership, earnings and analyst recommendations.

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$998.85M1.94$135.68M$1.6610.12
OppFi$597.05M1.13$26.33M$1.894.20

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 large money managers, hedge funds and endowments believe a stock is poised for long-term growth.

In the previous week, OppFi had 10 more articles in the media than Lendingclub. MarketBeat recorded 11 mentions for OppFi and 1 mentions for Lendingclub. OppFi's average media sentiment score of 1.58 beat Lendingclub's score of 1.13 indicating that OppFi is being referred to more favorably in the news media.

Company Overall Sentiment
Lendingclub Positive
OppFi Very Positive

Lendingclub currently has a consensus target price of $25.00, suggesting a potential upside of 48.81%. OppFi has a consensus target price of $10.50, suggesting a potential upside of 32.43%. Given Lendingclub's stronger consensus rating and higher possible upside, analysts clearly believe Lendingclub is more favorable than OppFi.

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 a beta of 1.86, meaning that its share price is 86% more volatile than the broader market. Comparatively, OppFi has a beta of 1.76, meaning that its share price is 76% more volatile than the broader market.

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 15 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 better business? We will contrast the two businesses based on the strength of their media sentiment, analyst recommendations, profitability, valuation, institutional ownership, dividends, risk and earnings.

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

In the previous week, OppFi had 8 more articles in the media than EZCORP. MarketBeat recorded 11 mentions for OppFi and 3 mentions for EZCORP. OppFi's average media sentiment score of 1.58 beat EZCORP's score of 0.75 indicating that OppFi is being referred to more favorably in the news media.

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

EZCORP currently has a consensus target price of $38.80, suggesting a potential upside of 19.49%. OppFi has a consensus target price of $10.50, suggesting a potential upside of 32.43%. Given OppFi's higher probable 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

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$1.27B1.57$109.61M$1.9816.40
OppFi$597.05M1.13$26.33M$1.894.20

EZCORP has a beta of 0.64, suggesting that its stock price is 36% less volatile than the broader market. Comparatively, OppFi has a beta of 1.76, suggesting that its stock price is 76% 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%

Summary

EZCORP and OppFi tied by winning 8 of the 16 factors compared between the two stocks.

How does OppFi compare to PROG?

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

7.1% of OppFi shares are held by institutional investors. Comparatively, 97.9% of PROG shares are held by institutional investors. 70.2% of OppFi shares are held by company insiders. Comparatively, 3.7% of PROG shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock will outperform the market over the long term.

OppFi currently has a consensus price target of $10.50, suggesting a potential upside of 32.43%. PROG has a consensus price target of $49.44, suggesting a potential upside of 33.94%. Given PROG's stronger consensus rating and higher probable upside, analysts plainly believe PROG is more favorable than OppFi.

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
PROG
0 Sell rating(s)
3 Hold rating(s)
6 Buy rating(s)
1 Strong Buy rating(s)
2.80

OppFi has a beta of 1.76, indicating that its stock price is 76% more volatile than the broader market. Comparatively, PROG has a beta of 1.76, indicating that its stock price is 76% more volatile than the broader market.

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
OppFi16.64% 30.89% 13.99%
PROG 5.57%21.88%9.15%

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
OppFi$597.05M1.13$26.33M$1.894.20
PROG$2.41B0.61$146.79M$3.6210.20

In the previous week, OppFi had 2 more articles in the media than PROG. MarketBeat recorded 11 mentions for OppFi and 9 mentions for PROG. OppFi's average media sentiment score of 1.58 beat PROG's score of 1.12 indicating that OppFi is being referred to more favorably in the media.

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

Summary

PROG beats OppFi 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

MetricOppFiConsumer Finance IndustryFinance SectorNYSE Exchange
Market Cap$679.96M$7.22B$13.80B$23.39B
Dividend YieldN/A12.62%5.94%3.56%
P/E Ratio4.209.0025.6728.71
Price / Sales1.1368.50507.3221.23
Price / Cash13.5311.5740.4534.17
Price / Book2.212.592.754.74
Net Income$26.33M$442.63M$1.32B$1.07B
7 Day Performance6.86%-1.84%-1.17%-2.00%
1 Month Performance15.75%-2.06%0.25%-2.69%
1 Year Performance-27.85%7.72%9.27%10.45%

OppFi Competitors List

CompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)
OPFI
OppFi
4.904 of 5 stars
$7.93
+4.5%
$10.50
+32.4%
-24.2%$679.96M$597.05M4.20570
LC
LendingClub
2.9833 of 5 stars
$19.21
flat
$23.07
+20.1%
N/A$2.22B$1.03B12.891,075
ECPG
Encore Capital Group
2.4678 of 5 stars
$97.01
-2.0%
$89.75
-7.5%
+122.5%$2.10B$1.77B7.347,350
HAPN
Lendingclub
4.1537 of 5 stars
$17.58
-1.7%
$25.00
+42.2%
N/A$2.06B$998.85M10.591,075
EZPW
EZCORP
3.2645 of 5 stars
$32.32
-2.1%
$38.80
+20.0%
+91.1%$2.03B$1.27B16.328,500

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This page (NYSE:OPFI) was last updated on 9/12/2026 by MarketBeat.com Staff.
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