NRDS vs. OPFI

Last updated Apr 2, 2026

Compare and contrast key facts about NerdWallet, Inc. (NRDS) and OppFi Inc. (OPFI).

Performance

NRDS vs. OPFI - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in NerdWallet, Inc. (NRDS) and OppFi Inc. (OPFI). The values are adjusted to include any dividend payments, if applicable.

NRDS vs. OPFI - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021
NRDS NerdWallet, Inc.	-23.62%	1.88%	-9.65%	53.33%	-38.26%	-45.05%
OPFI OppFi Inc.	-27.53%	40.87%	56.02%	149.76%	-54.85%	-31.73%

Fundamentals

Market Cap NRDS : $766.94M OPFI : $200.92M
EPS NRDS : $0.64 OPFI : $5.50
PE Ratio NRDS : 16.12 OPFI : 1.38
PEG Ratio NRDS : 0.13 OPFI : 1.27
PS Ratio NRDS : 0.94 OPFI : 0.53
PB Ratio NRDS : 2.05 OPFI : 0.65
Total Revenue (TTM) NRDS : $836.60M OPFI : $381.18M
Gross Profit (TTM) NRDS : $772.90M OPFI : $316.36M
EBITDA (TTM) NRDS : $105.10M OPFI : $200.66M

Returns By Period

In the year-to-date period, NRDS achieves a -23.62% return, which is significantly higher than OPFI's -27.53% return.

NRDS

• 1D: -0.29%
• 1M: -6.59%
• YTD: -23.62%
• 6M: -3.90%
• 1Y: 10.93%
• 3Y*: -13.84%
• 5Y*: —
• 10Y*: —

OPFI

• 1D: -1.69%
• 1M: -16.34%
• YTD: -27.53%
• 6M: -32.32%
• 1Y: -16.19%
• 3Y*: 58.45%
• 5Y*: -4.32%
• 10Y*: —

*Multi-year figures are annualized to reflect compound growth (CAGR)

Return for Risk

NRDS vs. OPFI — Risk / Return Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.

NRDS

NRDS Risk / Return Rank: 48
NRDS Sharpe Ratio Rank: 47
NRDS Sortino Ratio Rank: 47
NRDS Omega Ratio Rank: 47
NRDS Calmar Ratio Rank: 49
NRDS Martin Ratio Rank: 50

OPFI

OPFI Risk / Return Rank: 28
OPFI Sharpe Ratio Rank: 27
OPFI Sortino Ratio Rank: 26
OPFI Omega Ratio Rank: 27
OPFI Calmar Ratio Rank: 30
OPFI Martin Ratio Rank: 31

The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

NRDS vs. OPFI - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for NerdWallet, Inc. (NRDS) 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.

	NRDS	OPFI	Difference
Sharpe ratio Return per unit of total volatility	0.20	-0.31	+0.50
Sortino ratio Return per unit of downside risk	0.73	-0.11	+0.84
Omega ratio Gain probability vs. loss probability	1.09	0.99	+0.11
Calmar ratio Return relative to maximum drawdown	0.34	-0.33	+0.67
Martin ratio Return relative to average drawdown	0.84	-0.58	+1.42
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month.

NRDS vs. OPFI - Sharpe Ratio Comparison

The current NRDS Sharpe Ratio is 0.20, which is higher than the OPFI Sharpe Ratio of -0.31. The chart below compares the historical Sharpe Ratios of NRDS and OPFI, offering insights into how both investments have performed under varying market conditions. These values are calculated using daily returns over the previous 12 months.

Sharpe Ratios by Period

	NRDS	OPFI	Difference
Sharpe Ratio (1Y) Calculated over the trailing 1-year period	0.20	-0.31	+0.50
Sharpe Ratio (5Y) Calculated over the trailing 5-year period	—	-0.06	—
Sharpe Ratio (All Time) Calculated using the full available price history	-0.30	-0.05	-0.25

Correlation

The correlation between NRDS and OPFI is 0.29, 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.

Dividends

NRDS vs. OPFI - Dividend Comparison

NRDS has not paid dividends to shareholders, while OPFI's dividend yield for the trailing twelve months is around 3.30%.

	TTM	2025	2024
NRDS NerdWallet, Inc.	0.00%	0.00%	0.00%
OPFI OppFi Inc.	3.30%	2.39%	1.57%

Drawdowns

NRDS vs. OPFI - Drawdown Comparison

The maximum NRDS drawdown since its inception was -77.00%, smaller than the maximum OPFI drawdown of -84.60%. Use the drawdown chart below to compare losses from any high point for NRDS and OPFI.

Drawdown Indicators

	NRDS	OPFI	Difference
Max Drawdown Largest peak-to-trough decline	-77.00%	-84.60%	+7.60%
Max Drawdown (1Y) Largest decline over 1 year	-42.44%	-48.32%	+5.88%
Max Drawdown (5Y) Largest decline over 5 years	—	-84.46%	—
Current Drawdown Current decline from peak	-63.43%	-53.84%	-9.59%
Average Drawdown Average peak-to-trough decline	-56.81%	-51.52%	-5.29%
Ulcer Index Depth and duration of drawdowns from previous peaks	17.10%	27.56%	-10.46%

Volatility

NRDS vs. OPFI - Volatility Comparison

NerdWallet, Inc. (NRDS) has a higher volatility of 11.39% compared to OppFi Inc. (OPFI) at 10.23%. This indicates that NRDS'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.

Volatility by Period

	NRDS	OPFI	Difference
Volatility (1M) Calculated over the trailing 1-month period	11.39%	10.23%	+1.16%
Volatility (6M) Calculated over the trailing 6-month period	34.53%	28.60%	+5.93%
Volatility (1Y) Calculated over the trailing 1-year period	56.38%	52.44%	+3.94%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	68.67%	67.03%	+1.64%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	68.67%	64.93%	+3.74%

Financials