OPFI vs. ECPG
Compare and contrast key facts about OppFi Inc. (OPFI) and Encore Capital Group, Inc. (ECPG).
Scroll down to visually compare performance, riskiness, drawdowns, and other indicators and decide which better suits your portfolio: OPFI or ECPG.
Correlation
The correlation between OPFI and ECPG 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
OPFI vs. ECPG - Performance Comparison
Key characteristics
OPFI:
3.95
ECPG:
-0.11
OPFI:
4.17
ECPG:
0.23
OPFI:
1.49
ECPG:
1.03
OPFI:
4.62
ECPG:
-0.09
OPFI:
16.16
ECPG:
-0.35
OPFI:
21.47%
ECPG:
16.78%
OPFI:
76.85%
ECPG:
53.07%
OPFI:
-84.60%
ECPG:
-97.86%
OPFI:
-29.30%
ECPG:
-43.71%
Fundamentals
OPFI:
$1.08B
ECPG:
$835.93M
OPFI:
$0.36
ECPG:
-$5.83
OPFI:
3.95
ECPG:
0.63
OPFI:
7.34
ECPG:
1.09
OPFI:
$398.62M
ECPG:
$984.84M
OPFI:
$320.87M
ECPG:
$630.86M
OPFI:
$193.53M
ECPG:
$102.11M
Returns By Period
In the year-to-date period, OPFI achieves a 56.36% return, which is significantly higher than ECPG's -14.65% return.
OPFI
56.36%
46.59%
80.92%
296.58%
N/A
N/A
ECPG
-14.65%
50.28%
-18.13%
-5.71%
5.62%
0.47%
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Risk-Adjusted Performance
OPFI vs. ECPG — Risk-Adjusted Performance Rank
OPFI
ECPG
OPFI vs. ECPG - Risk-Adjusted Performance 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.
Dividends
OPFI vs. ECPG - Dividend Comparison
OPFI's dividend yield for the trailing twelve months is around 2.15%, while ECPG has not paid dividends to shareholders.
| TTM | 2024 | |
|---|---|---|
OPFI OppFi Inc. | 2.15% | 1.57% |
ECPG Encore Capital Group, Inc. | 0.00% | 0.00% |
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. For additional features, visit the drawdowns tool.
Volatility
OPFI vs. ECPG - Volatility Comparison
The current volatility for OppFi Inc. (OPFI) is 19.08%, while Encore Capital Group, Inc. (ECPG) has a volatility of 29.37%. This indicates that OPFI experiences smaller price fluctuations and is considered to be less risky than ECPG based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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 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 - 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 - 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 - 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 - 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%.
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%.