ECPG vs. OPFI
Compare and contrast key facts about Encore Capital Group, Inc. (ECPG) and OppFi Inc. (OPFI).
Scroll down to visually compare performance, riskiness, drawdowns, and other indicators and decide which better suits your portfolio: ECPG or OPFI.
Correlation
The correlation between ECPG and OPFI is 0.38, which is considered to be low. This implies their price changes are not closely related. A low correlation is generally favorable for portfolio diversification, as it helps to reduce overall risk by spreading it across multiple assets with different performance patterns.
Performance
ECPG vs. OPFI - Performance Comparison
Key characteristics
ECPG:
-0.31
OPFI:
3.83
ECPG:
0.23
OPFI:
4.16
ECPG:
1.03
OPFI:
1.49
ECPG:
-0.09
OPFI:
4.67
ECPG:
-0.34
OPFI:
16.00
ECPG:
16.83%
OPFI:
21.55%
ECPG:
53.07%
OPFI:
76.02%
ECPG:
-97.86%
OPFI:
-84.60%
ECPG:
-44.07%
OPFI:
-29.12%
Fundamentals
ECPG:
$835.93M
OPFI:
$1.08B
ECPG:
-$5.83
OPFI:
$0.36
ECPG:
0.63
OPFI:
3.95
ECPG:
1.09
OPFI:
7.34
ECPG:
$984.84M
OPFI:
$398.62M
ECPG:
$630.86M
OPFI:
$320.87M
ECPG:
$102.11M
OPFI:
$193.53M
Returns By Period
In the year-to-date period, ECPG achieves a -15.20% return, which is significantly lower than OPFI's 56.76% return.
ECPG
-15.20%
27.87%
-18.93%
-15.78%
5.48%
0.48%
OPFI
56.76%
34.41%
84.74%
287.35%
N/A
N/A
Compare stocks, funds, or ETFs
Search for stocks, ETFs, and funds for a quick comparison or use the comparison tool for more options.
Risk-Adjusted Performance
ECPG vs. OPFI — Risk-Adjusted Performance Rank
ECPG
OPFI
ECPG vs. OPFI - Risk-Adjusted Performance 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.
Dividends
ECPG vs. OPFI - Dividend Comparison
ECPG has not paid dividends to shareholders, while OPFI's dividend yield for the trailing twelve months is around 2.15%.
| TTM | 2024 | |
|---|---|---|
ECPG Encore Capital Group, Inc. | 0.00% | 0.00% |
OPFI OppFi Inc. | 2.15% | 1.57% |
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. For additional features, visit the drawdowns tool.
Volatility
ECPG vs. OPFI - Volatility Comparison
Encore Capital Group, Inc. (ECPG) has a higher volatility of 25.75% compared to OppFi Inc. (OPFI) at 17.60%. This indicates that ECPG's price experiences larger fluctuations and is considered to be riskier than OPFI based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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 May 2025, Encore Capital Group, Inc. reported a gross profit of 161.00M and revenue of 265.62M. Therefore, the gross margin over that period was 60.6%.
OPFI - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on May 2025, OppFi Inc. reported a gross profit of 110.25M and revenue of 135.72M. Therefore, the gross margin over that period was 81.2%.
ECPG - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on May 2025, Encore Capital Group, Inc. reported an operating income of -134.19M and revenue of 265.62M, resulting in an operating margin of -50.5%.
OPFI - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on May 2025, OppFi Inc. reported an operating income of 24.67M and revenue of 135.72M, resulting in an operating margin of 18.2%.
ECPG - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on May 2025, Encore Capital Group, Inc. reported a net income of -225.31M and revenue of 265.62M, resulting in a net margin of -84.8%.
OPFI - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on May 2025, OppFi Inc. reported a net income of -5.61M and revenue of 135.72M, resulting in a net margin of -4.1%.