OPFI vs. ECPG
OPFI (OppFi Inc.) and ECPG (Encore Capital Group, Inc.) are both stocks. OPFI operates in Software - Application (Technology), while ECPG operates in Mortgage Finance (Financial Services). Over the past 5 years, OPFI returned -2.49%/yr vs 10.46%/yr for ECPG. At a 0.19 correlation, their price movements are largely independent.
Performance
OPFI vs. ECPG - Performance Comparison
Loading charts...
Returns By Period
In the year-to-date period, OPFI achieves a -20.08% return, which is significantly lower than ECPG's 43.68% return.
OPFI
- 1D
- -0.24%
- 1M
- -12.09%
- YTD
- -20.08%
- 6M
- -13.37%
- 1Y
- -36.67%
- 3Y*
- 62.65%
- 5Y*
- -2.49%
- 10Y*
- —
ECPG
- 1D
- -0.60%
- 1M
- -6.25%
- YTD
- 43.68%
- 6M
- 47.79%
- 1Y
- 107.91%
- 3Y*
- 18.77%
- 5Y*
- 10.46%
- 10Y*
- 11.51%
OPFI vs. ECPG - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | |
|---|---|---|---|---|---|---|---|
OPFI OppFi Inc. | -20.08% | 40.87% | 56.02% | 149.76% | -54.85% | -55.40% | 3.35% |
ECPG Encore Capital Group, Inc. | 43.68% | 13.77% | -5.87% | 5.86% | -22.81% | 59.46% | 19.96% |
Correlation
The correlation between OPFI and ECPG 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 OPFI and ECPG shifts across timeframes, from 0.19 (all time) to 0.37 (1 year), reflecting how their relationship changes across market environments.
Fundamentals
OPFI:
$720.59M
ECPG:
$1.74B
OPFI:
$1.59
ECPG:
$12.85
OPFI:
5.25
ECPG:
6.07
OPFI:
4.83
ECPG:
0.23
OPFI:
0.64
ECPG:
0.97
OPFI:
9.52
ECPG:
1.68
OPFI:
$544.08M
ECPG:
$1.85B
OPFI:
$523.64M
ECPG:
$1.38B
OPFI:
$148.42M
ECPG:
$510.14M
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
OPFI vs. ECPG — Risk / Return Rank
OPFI
ECPG
OPFI vs. ECPG - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for OppFi Inc. (OPFI) and Encore Capital Group, Inc. (ECPG). 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.
| OPFI | ECPG | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | -0.81 | 3.15 | -3.96 |
Sortino ratioReturn per unit of downside risk | -1.07 | 3.80 | -4.87 |
Omega ratioGain probability vs. loss probability | 0.88 | 1.48 | -0.60 |
Calmar ratioReturn relative to maximum drawdown | -0.70 | 8.40 | -9.10 |
Martin ratioReturn relative to average drawdown | -1.06 | 23.78 | -24.84 |
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
| OPFI | ECPG | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | -0.81 | 3.15 | -3.96 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | -0.04 | 0.28 | -0.32 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | — | 0.24 | — |
Sharpe Ratio (All Time)Calculated using the full available price history | -0.03 | 0.11 | -0.14 |
Drawdowns
OPFI vs. ECPG - Drawdown Comparison
The maximum OPFI drawdown since its inception was -84.60%, smaller than the maximum ECPG drawdown of -97.86%. Use the drawdown chart below to compare losses from any high point for OPFI and ECPG.
Loading charts...
Drawdown Indicators
| OPFI | ECPG | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -84.60% | -97.86% | +13.26% |
Max Drawdown (1Y)Largest decline over 1 year | -48.53% | -12.63% | -35.90% |
Max Drawdown (3Y)Largest decline over 3 years | -54.20% | -49.94% | -4.26% |
Max Drawdown (5Y)Largest decline over 5 years | -84.46% | -62.54% | -21.92% |
Max Drawdown (10Y)Largest decline over 10 years | — | -65.70% | — |
Current DrawdownCurrent decline from peak | -49.09% | -7.49% | -41.60% |
Average DrawdownAverage peak-to-trough decline | -51.38% | -37.58% | -13.80% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 32.02% | 4.46% | +27.56% |
Volatility
OPFI vs. ECPG - Volatility Comparison
OppFi Inc. (OPFI) has a higher volatility of 10.09% compared to Encore Capital Group, Inc. (ECPG) at 7.37%. This indicates that OPFI's price experiences larger fluctuations and is considered to be riskier than ECPG based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
Loading charts...
Volatility by Period
| OPFI | ECPG | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 10.09% | 7.37% | +2.72% |
Volatility (6M)Calculated over the trailing 6-month period | 25.06% | 20.30% | +4.76% |
Volatility (1Y)Calculated over the trailing 1-year period | 45.70% | 34.49% | +11.21% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 67.29% | 37.78% | +29.51% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 64.21% | 48.45% | +15.76% |
Dividends
OPFI vs. ECPG - Dividend Comparison
Neither OPFI nor ECPG 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
OPFI vs. ECPG - Financials Comparison
This section allows you to compare key financial metrics between OppFi Inc. and Encore Capital Group, 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
OPFI vs. ECPG - Profitability Comparison
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 - 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 - 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 - 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 - 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%.
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%.
Frequently Asked Questions
OPFI and ECPG 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 (10.09%) compared to ECPG (7.37%). In terms of maximum drawdown, OPFI dropped -84.60% vs ECPG's -97.86%.
ECPG currently has the higher Sharpe Ratio (3.15 vs -0.81), 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 OPFI and ECPG
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