OPFI vs. ECPG

Last updated Apr 2, 2026

Compare and contrast key facts about OppFi Inc. (OPFI) and Encore Capital Group, Inc. (ECPG).

Performance

OPFI vs. ECPG - Performance Comparison

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

OPFI vs. ECPG - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021	2020
OPFI OppFi Inc.	-27.53%	40.87%	56.02%	149.76%	-54.85%	-55.40%	3.35%
ECPG Encore Capital Group, Inc.	30.40%	13.77%	-5.87%	5.86%	-22.81%	59.46%	19.96%

Fundamentals

Market Cap OPFI : $200.92M ECPG : $1.61B
EPS OPFI : $5.50 ECPG : $11.03
PE Ratio OPFI : 1.38 ECPG : 6.43
PEG Ratio OPFI : 1.27 ECPG : 0.25
PS Ratio OPFI : 0.53 ECPG : 0.93
PB Ratio OPFI : 0.65 ECPG : 1.65
Total Revenue (TTM) OPFI : $381.18M ECPG : $1.77B
Gross Profit (TTM) OPFI : $316.36M ECPG : $1.31B
EBITDA (TTM) OPFI : $200.66M ECPG : $457.87M

Returns By Period

In the year-to-date period, OPFI achieves a -27.53% return, which is significantly lower than ECPG's 30.40% return.

OPFI

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

ECPG

• 1D: 1.07%
• 1M: -0.07%
• YTD: 30.40%
• 6M: 74.56%
• 1Y: 101.56%
• 3Y*: 12.00%
• 5Y*: 11.92%
• 10Y*: 11.12%

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

Return for Risk

OPFI vs. ECPG — Risk / Return Rank

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

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

ECPG

ECPG Risk / Return Rank: 92
ECPG Sharpe Ratio Rank: 91
ECPG Sortino Ratio Rank: 91
ECPG Omega Ratio Rank: 90
ECPG Calmar Ratio Rank: 91
ECPG Martin Ratio Rank: 96

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.

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 ratio Return per unit of total volatility	-0.31	2.11	-2.42
Sortino ratio Return per unit of downside risk	-0.11	3.06	-3.18
Omega ratio Gain probability vs. loss probability	0.99	1.40	-0.41
Calmar ratio Return relative to maximum drawdown	-0.33	4.49	-4.82
Martin ratio Return relative to average drawdown	-0.58	18.07	-18.65
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month.

OPFI vs. ECPG - Sharpe Ratio Comparison

The current OPFI Sharpe Ratio is -0.31, which is lower than the ECPG Sharpe Ratio of 2.11. The chart below compares the historical Sharpe Ratios of OPFI and ECPG, 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

	OPFI	ECPG	Difference
Sharpe Ratio (1Y) Calculated over the trailing 1-year period	-0.31	2.11	-2.42
Sharpe Ratio (5Y) Calculated over the trailing 5-year period	-0.06	0.32	-0.38
Sharpe Ratio (10Y) Calculated over the trailing 10-year period	—	0.23	—
Sharpe Ratio (All Time) Calculated using the full available price history	-0.05	0.11	-0.16

Correlation

The correlation between OPFI and ECPG is 0.18, 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

OPFI vs. ECPG - Dividend Comparison

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

	TTM	2025	2024
OPFI OppFi Inc.	3.30%	2.39%	1.57%
ECPG Encore Capital Group, Inc.	0.00%	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.

Drawdown Indicators

	OPFI	ECPG	Difference
Max Drawdown Largest peak-to-trough decline	-84.60%	-97.86%	+13.26%
Max Drawdown (1Y) Largest decline over 1 year	-48.32%	-23.77%	-24.55%
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 Drawdown Current decline from peak	-53.84%	-3.91%	-49.93%
Average Drawdown Average peak-to-trough decline	-51.52%	-37.80%	-13.72%
Ulcer Index Depth and duration of drawdowns from previous peaks	27.56%	5.91%	+21.65%

Volatility

OPFI vs. ECPG - Volatility Comparison

OppFi Inc. (OPFI) has a higher volatility of 10.23% compared to Encore Capital Group, Inc. (ECPG) at 8.17%. 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.

Volatility by Period

	OPFI	ECPG	Difference
Volatility (1M) Calculated over the trailing 1-month period	10.23%	8.17%	+2.06%
Volatility (6M) Calculated over the trailing 6-month period	28.60%	26.63%	+1.97%
Volatility (1Y) Calculated over the trailing 1-year period	52.44%	48.47%	+3.97%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	67.03%	37.81%	+29.22%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	64.93%	48.89%	+16.04%

Financials