ECPG vs. OPFI
ECPG (Encore Capital Group, Inc.) and OPFI (OppFi Inc.) are both stocks. ECPG operates in Mortgage Finance (Financial Services), while OPFI operates in Software - Application (Technology). Over the past 5 years, ECPG returned 10.49%/yr vs -3.30%/yr for OPFI. At a 0.19 correlation, their price movements are largely independent.
Performance
ECPG vs. OPFI - Performance Comparison
Loading charts...
Returns By Period
In the year-to-date period, ECPG achieves a 43.53% return, which is significantly higher than OPFI's -23.52% return.
ECPG
- 1D
- -0.10%
- 1M
- -6.23%
- YTD
- 43.53%
- 6M
- 49.27%
- 1Y
- 103.31%
- 3Y*
- 18.73%
- 5Y*
- 10.49%
- 10Y*
- 11.49%
OPFI
- 1D
- -4.31%
- 1M
- -17.27%
- YTD
- -23.52%
- 6M
- -21.18%
- 1Y
- -39.12%
- 3Y*
- 60.29%
- 5Y*
- -3.30%
- 10Y*
- —
ECPG vs. OPFI - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | |
|---|---|---|---|---|---|---|---|
ECPG Encore Capital Group, Inc. | 43.53% | 13.77% | -5.87% | 5.86% | -22.81% | 59.46% | 19.96% |
OPFI OppFi Inc. | -23.52% | 40.87% | 56.02% | 149.76% | -54.85% | -55.40% | 3.35% |
Correlation
The correlation between ECPG and OPFI is 0.37, which is low. Their price movements are largely independent, making them effective diversification partners.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.37 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.28 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.20 |
Correlation (All Time) Calculated using the full available price history since Nov 23, 2020 | 0.19 |
The correlation between ECPG and OPFI shifts across timeframes, from 0.19 (all time) to 0.37 (1 year), reflecting how their relationship changes across market environments.
Fundamentals
ECPG:
$1.74B
OPFI:
$689.56M
ECPG:
$12.85
OPFI:
$1.59
ECPG:
6.07
OPFI:
5.02
ECPG:
0.23
OPFI:
4.63
ECPG:
0.97
OPFI:
0.61
ECPG:
1.68
OPFI:
9.11
ECPG:
$1.85B
OPFI:
$544.08M
ECPG:
$1.38B
OPFI:
$523.64M
ECPG:
$510.14M
OPFI:
$148.42M
Compare stocks, funds, or ETFs
Search for stocks, ETFs, and funds for a quick comparison or use the comparison tool for more options.
Return for Risk
ECPG vs. OPFI — Risk / Return Rank
ECPG
OPFI
ECPG vs. OPFI - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Encore Capital Group, Inc. (ECPG) and OppFi Inc. (OPFI). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.
| ECPG | OPFI | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +3.88 | ||
| Sortino ratioReturn per unit of downside risk | +4.87 | ||
| Omega ratioGain probability vs. loss probability | 1.46 | 0.87 | +0.60 |
| Calmar ratioReturn relative to maximum drawdown | 8.22 | -0.81 | +9.03 |
| Martin ratioReturn relative to average drawdown | 23.12 | -1.22 | +24.34 |
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month. | |||
Loading charts...
Sharpe Ratios by Period
| ECPG | OPFI | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 3.02 | -0.86 | +3.88 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.28 | -0.05 | +0.33 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.24 | — | — |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.11 | -0.04 | +0.15 |
Drawdowns
ECPG vs. OPFI - Drawdown Comparison
The maximum ECPG drawdown since its inception was -97.86%, which is greater than OPFI's maximum drawdown of -84.60%. Use the drawdown chart below to compare losses from any high point for ECPG and OPFI.
Loading charts...
Drawdown Indicators
| ECPG | OPFI | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -97.86% | -84.60% | -13.26% |
Max Drawdown (1Y)Largest decline over 1 year | -12.63% | -48.53% | +35.90% |
Max Drawdown (3Y)Largest decline over 3 years | -49.94% | -54.20% | +4.26% |
Max Drawdown (5Y)Largest decline over 5 years | -62.54% | -84.46% | +21.92% |
Max Drawdown (10Y)Largest decline over 10 years | -65.70% | — | — |
Current DrawdownCurrent decline from peak | -7.58% | -51.28% | +43.70% |
Average DrawdownAverage peak-to-trough decline | -37.58% | -51.38% | +13.80% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 4.48% | 32.15% | -27.67% |
Volatility
ECPG vs. OPFI - Volatility Comparison
The current volatility for Encore Capital Group, Inc. (ECPG) is 7.37%, while OppFi Inc. (OPFI) has a volatility of 10.47%. This indicates that ECPG experiences smaller price fluctuations and is considered to be less risky than OPFI based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
Loading charts...
Volatility by Period
| ECPG | OPFI | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 7.37% | 10.47% | -3.10% |
Volatility (6M)Calculated over the trailing 6-month period | 20.23% | 25.40% | -5.17% |
Volatility (1Y)Calculated over the trailing 1-year period | 34.48% | 45.68% | -11.20% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 37.78% | 67.32% | -29.54% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 48.44% | 64.21% | -15.77% |
Dividends
ECPG vs. OPFI - Dividend Comparison
Neither ECPG nor OPFI has paid dividends to shareholders.
| Position | TTM | 2025 | 2024 |
|---|---|---|---|
ECPG Encore Capital Group, Inc. | 0.00% | 0.00% | 0.00% |
OPFI OppFi Inc. | 0.00% | 2.39% | 1.57% |
Financials
ECPG vs. OPFI - Financials Comparison
This section allows you to compare key financial metrics between Encore Capital Group, Inc. and OppFi Inc.. You can select fields from income statements, balance sheets, and cash flow statements to easily visualize and compare the financial health of both companies.
Total Revenue: Total amount of money received from sales and other business activities
ECPG vs. OPFI - Profitability Comparison
ECPG - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, Encore Capital Group, Inc. reported a gross profit of 360.87M and revenue of 475.41M. Therefore, the gross margin over that period was 75.9%.
OPFI - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, OppFi Inc. reported a gross profit of 72.17M and revenue of 87.30M. Therefore, the gross margin over that period was 82.7%.
ECPG - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, Encore Capital Group, Inc. reported an operating income of 183.99M and revenue of 475.41M, resulting in an operating margin of 38.7%.
OPFI - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, OppFi Inc. reported an operating income of 35.36M and revenue of 87.30M, resulting in an operating margin of 40.5%.
ECPG - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, Encore Capital Group, Inc. reported a net income of 86.24M and revenue of 475.41M, resulting in a net margin of 18.1%.
OPFI - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, OppFi Inc. reported a net income of 28.40M and revenue of 87.30M, resulting in a net margin of 32.5%.
Frequently Asked Questions
ECPG and OPFI have a correlation of 0.37, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
OPFI has higher volatility (10.47%) compared to ECPG (7.37%). In terms of maximum drawdown, ECPG dropped -97.86% vs OPFI's -84.60%.
ECPG currently has the higher Sharpe Ratio (3.02 vs -0.86), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.
Find the right allocation for ECPG and OPFI
Add both to a portfolio and optimize allocations for your target — whether that's maximizing returns, minimizing drawdowns, or balancing risk across holdings.
Open Portfolio Optimizer