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OPFI vs. SCHD
Performance
Return for Risk
Drawdowns
Volatility
Dividends

OPFI vs. SCHD

Last updated Jun 5, 2026

OPFI (OppFi Inc.) is a stock, while SCHD (Schwab U.S. Dividend Equity ETF) is Dividend fund tracking the Dow Jones U.S. Dividend 100 Index. Over the past 5 years, OPFI returned -2.24%/yr vs 8.50%/yr for SCHD. At a 0.23 correlation, their price movements are largely independent.

Performance

OPFI vs. SCHD - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in OppFi Inc. (OPFI) and Schwab U.S. Dividend Equity ETF (SCHD). The values are adjusted to include any dividend payments, if applicable.

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Returns By Period

In the year-to-date period, OPFI achieves a -19.22% return, which is significantly lower than SCHD's 19.82% return.

OPFI

1D
5.62%
1M
-13.33%
YTD
-19.22%
6M
-17.88%
1Y
-37.36%
3Y*
64.56%
5Y*
-2.24%
10Y*
—

SCHD

1D
0.68%
1M
2.84%
YTD
19.82%
6M
19.65%
1Y
28.76%
3Y*
15.59%
5Y*
8.50%
10Y*
12.79%
*Multi-year figures are annualized to reflect compound growth (CAGR)

OPFI vs. SCHD - Yearly Performance Comparison

2026 (YTD)202520242023202220212020
OPFI
OppFi Inc.		-19.22%40.87%56.02%149.76%-54.85%-55.40%3.35%
SCHD
Schwab U.S. Dividend Equity ETF		19.82%4.34%11.66%4.54%-3.26%29.87%4.65%

Correlation

The correlation between OPFI and SCHD is 0.13, which is low. Their price movements are largely independent, making them effective diversification partners.

Correlation
Correlation (1Y)
Calculated over the trailing 1-year period

0.13

Correlation (3Y)
Calculated over the trailing 3-year period

0.20

Correlation (5Y)
Calculated over the trailing 5-year period

0.24

Correlation (All Time)
Calculated using the full available price history since Nov 23, 2020

0.23

The correlation between OPFI and SCHD shifts across timeframes, from 0.13 (1 year) to 0.24 (5 years), reflecting how their relationship changes across market environments.

Compare stocks, funds, or ETFs

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OppFi Inc.

Schwab U.S. Dividend Equity ETF

Often compared with OPFI:
OPFI vs. SOFIOPFI vs. DAVEOPFI vs. GGBOPFI vs. LXOPFI vs. ECPGOPFI vs. NESTE.HEOPFI vs. NRDS
Often compared with SCHD:
SCHD vs. VOOSCHD vs. VYMSCHD vs. SPYSCHD vs. SCHGSCHD vs. JEPISCHD vs. FDVVSCHD vs. VIG

Return for Risk

OPFI vs. SCHD — Risk / Return Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.
OPFI
OPFI Risk / Return Rank: 1212
Overall Rank
OPFI Sharpe Ratio Rank: 99
Sharpe Ratio Rank
OPFI Sortino Ratio Rank: 1010
Sortino Ratio Rank
OPFI Omega Ratio Rank: 1212
Omega Ratio Rank
OPFI Calmar Ratio Rank: 1313
Calmar Ratio Rank
OPFI Martin Ratio Rank: 1616
Martin Ratio Rank
SCHD
SCHD Risk / Return Rank: 8585
Overall Rank
SCHD Sharpe Ratio Rank: 8282
Sharpe Ratio Rank
SCHD Sortino Ratio Rank: 8989
Sortino Ratio Rank
SCHD Omega Ratio Rank: 8080
Omega Ratio Rank
SCHD Calmar Ratio Rank: 9292
Calmar Ratio Rank
SCHD Martin Ratio Rank: 8080
Martin Ratio Rank
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. SCHD - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for OppFi Inc. (OPFI) and Schwab U.S. Dividend Equity ETF (SCHD). 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.

OPFISCHDDifference
Sharpe ratioReturn per unit of total volatility
-0.82
2.64

-3.46

Sortino ratioReturn per unit of downside risk
-1.09
4.08

-5.16

Omega ratioGain probability vs. loss probability

0.88

1.47

-0.60

Calmar ratioReturn relative to maximum drawdown

-0.77

6.26

-7.03

Martin ratioReturn relative to average drawdown

-1.16

15.38

-16.54

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. SCHD - Sharpe Ratio Comparison

The current OPFI Sharpe Ratio is -0.82, which is lower than the SCHD Sharpe Ratio of 2.64. The chart below compares the historical Sharpe Ratios of OPFI and SCHD, calculated using daily returns over the previous 12 months. A higher Sharpe Ratio indicates better risk-adjusted performance relative to the risk-free rate.

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Sharpe Ratios by Period

OPFISCHDDifference

Sharpe Ratio (1Y)

Calculated over the trailing 1-year period

-0.82

2.64

-3.46

Sharpe Ratio (5Y)

Calculated over the trailing 5-year period

-0.03

0.59

-0.63

Sharpe Ratio (10Y)

Calculated over the trailing 10-year period

—

0.77

—

Sharpe Ratio (All Time)

Calculated using the full available price history

-0.02

0.86

-0.89

Drawdowns

OPFI vs. SCHD - Drawdown Comparison

The maximum OPFI drawdown since its inception was -84.60%, which is greater than SCHD's maximum drawdown of -33.37%. Use the drawdown chart below to compare losses from any high point for OPFI and SCHD.

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Drawdown Indicators

OPFISCHDDifference

Max Drawdown

Largest peak-to-trough decline

-84.60%

-33.37%

-51.23%

Max Drawdown (1Y)

Largest decline over 1 year

-48.53%

-4.61%

-43.92%

Max Drawdown (3Y)

Largest decline over 3 years

-54.20%

-16.13%

-38.07%

Max Drawdown (5Y)

Largest decline over 5 years

-84.46%

-16.85%

-67.61%

Max Drawdown (10Y)

Largest decline over 10 years

—

-33.37%

—

Current Drawdown

Current decline from peak

-48.54%

-0.73%

-47.81%

Average Drawdown

Average peak-to-trough decline

-51.38%

-3.32%

-48.06%

Ulcer Index

Depth and duration of drawdowns from previous peaks

32.26%

1.87%

+30.39%

Volatility

OPFI vs. SCHD - Volatility Comparison

OppFi Inc. (OPFI) has a higher volatility of 12.17% compared to Schwab U.S. Dividend Equity ETF (SCHD) at 2.69%. This indicates that OPFI's price experiences larger fluctuations and is considered to be riskier than SCHD based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

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Volatility by Period

OPFISCHDDifference

Volatility (1M)

Calculated over the trailing 1-month period

12.17%

2.69%

+9.48%

Volatility (6M)

Calculated over the trailing 6-month period

25.99%

7.65%

+18.34%

Volatility (1Y)

Calculated over the trailing 1-year period

46.05%

10.95%

+35.10%

Volatility (5Y)

Calculated over the trailing 5-year period, annualized

67.36%

14.38%

+52.98%

Volatility (10Y)

Calculated over the trailing 10-year period, annualized

64.23%

16.71%

+47.52%

Dividends

OPFI vs. SCHD - Dividend Comparison

OPFI has not paid dividends to shareholders, while SCHD's dividend yield for the trailing twelve months is around 3.24%.

PositionTTM20252024202320222021202020192018201720162015
OPFI
OppFi Inc.		0.00%2.39%1.57%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%
SCHD
Schwab U.S. Dividend Equity ETF		3.24%3.82%3.64%3.49%3.39%2.78%3.16%2.98%3.06%2.63%2.89%2.97%

Frequently Asked Questions

OPFI and SCHD have a correlation of 0.13, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.

OPFI has higher volatility (12.17%) compared to SCHD (2.69%). In terms of maximum drawdown, OPFI dropped -84.60% vs SCHD's -33.37%.

SCHD currently has the higher Sharpe Ratio (2.64 vs -0.82), 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.

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