OppFi [OPFI] vs Encore Capital [ECPG] Detailed Stock Comparison

OppFi Inc.

NYSE
Loading...

Encore Capital Group Inc.

NASDAQ
Loading...

TLDR: Quick Comparison Summary

Based on 21 vital metrics comparison: OppFi Inc. wins in 11 metrics, Encore Capital Group Inc. wins in 9 metrics, with 0 ties. OppFi Inc. appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric OppFi Inc. Encore Capital Group Inc. Better
P/E Ratio (TTM) 8.66 7.65 Encore Capital Group Inc.
Price-to-Book Ratio 4.00 1.85 Encore Capital Group Inc.
Debt-to-Equity Ratio 107.74 418.03 OppFi Inc.
PEG Ratio 4.22 -0.06 OppFi Inc.
EV/EBITDA 1.91 8.72 OppFi Inc.
Profit Margin (TTM) 7.70% 14.52% Encore Capital Group Inc.
Operating Margin (TTM) 40.59% 36.62% OppFi Inc.
EBITDA Margin (TTM) 40.59% 36.62% OppFi Inc.
Return on Equity 53.86% 29.45% OppFi Inc.
Return on Assets (TTM) 20.96% 7.73% OppFi Inc.
Free Cash Flow (TTM) $382.19M $126.93M OppFi Inc.
Dividend Yield 1.99% N/A N/A
1-Year Return -32.99% 110.90% Encore Capital Group Inc.
Price-to-Sales Ratio (TTM) 0.66 1.05 OppFi Inc.
Enterprise Value $760.28M $5.71B Encore Capital Group Inc.
EV/Revenue Ratio 2.22 3.23 OppFi Inc.
Gross Profit Margin (TTM) 84.90% 55.09% OppFi Inc.
Revenue per Share (TTM) $13 $76 Encore Capital Group Inc.
Earnings per Share (Diluted) $0.99 $10.91 Encore Capital Group Inc.
Beta (Stock Volatility) 1.80 1.27 Encore Capital Group Inc.
Short % of Float 11.44% 8.21% Encore Capital Group Inc.

OppFi Inc. vs Encore Capital Group Inc. Stock Performance Analysis

Loading Price Chart...

OPFI
ECPG

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
OppFi Inc.-4.31%-5.44%-17.27%-12.28%-21.18%-22.33%
Encore Capital Group Inc.-0.10%-4.69%-6.23%8.56%49.27%39.53%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
OppFi Inc.-32.99%306.22%-16.60%-13.81%-13.81%-13.81%
Encore Capital Group Inc.110.90%71.49%68.74%204.15%147.08%763.17%

Performance & Financial Health Analysis: OppFi Inc. vs Encore Capital Group Inc.

MetricOPFIECPG
Market Information
Market Cap i$729.61M$1.88B
Market Cap CategorySmall capSmall cap
10 Day Avg. Volume i315,754391,438
90 Day Avg. Volume i410,898328,879
Last Close$8.00$78.01
52 Week Range$7.36 - $15.03$35.67 - $92.64
% from 52W High-46.77%-15.79%
All-Time High$17.73 (Feb 03, 2025)$92.64 (May 07, 2026)
% from All-Time High-54.88%-15.79%
Growth Metrics
Quarterly Revenue Growth0.09%0.78%
Quarterly Earnings Growth0.17%0.78%
Financial Health
Profit Margin (TTM) i0.08%0.15%
Operating Margin (TTM) i0.41%0.37%
Return on Equity (TTM) i0.54%0.29%
Debt to Equity (MRQ) i107.74418.03
Cash & Liquidity
Book Value per Share (MRQ)$2.14$45.04
Cash per Share (MRQ)$1.87$7.32
Operating Cash Flow (TTM) i$401.30M$153.20M
Levered Free Cash Flow (TTM) i$712.12M$-377,221,376
Dividends
Last 12-Month Dividend Yield i1.99%N/A
Last 12-Month Dividend i$0.25N/A

Valuation & Enterprise Metrics Analysis: OppFi Inc. vs Encore Capital Group Inc.

MetricOPFI (Apr 24, 2026)ECPG (Apr 24, 2026)
Price Ratios
P/E Ratio (TTM) i8.667.65
Forward P/E i4.226.25
PEG Ratio i4.22-0.06
Price to Sales (TTM) i0.661.05
Price to Book (MRQ) i4.001.85
Market Capitalization
Market Capitalization i$729.61M$1.88B
Enterprise Value i$760.28M$5.71B
Enterprise Value Metrics
Enterprise to Revenue i2.223.23
Enterprise to EBITDA i1.918.72
Risk & Other Metrics
Beta i1.801.27
Book Value per Share (MRQ) i$2.14$45.04

Financial Statements Comparison: OppFi Inc. vs Encore Capital Group Inc.

Financial Metrics

Loading Financial Charts...

Revenue

Operating Margin

Profit Margin

Long Term Debt

Income Flow Analysis

Financial Statements Comparison

Income Statement

MetricOPFI (2025)ECPG (2025)
Revenue/Sales i597.05M1.77B
Cost of Goods Sold i100.06M802.97M
COGS % of Revenue i16.8%45.4%
Gross Profit i496.99M965.83M
Gross Margin i83.2%54.6%
Research & Development iN/AN/A
Operating Income (EBIT) i382.55M626.65M
Operating Margin i64.1%35.4%
EBITDA i399.05M647.01M
EBITDA Margin i66.8%36.6%
Pre-Tax Income i156.13M336.16M
Pre-Tax Income % of Revenue i26.2%19.0%
Income Tax i9.89M79.33M
Income Tax % of Revenue i1.7%4.5%
Net Income (Profit) i146.25M256.83M
Profit Margin i24.5%14.5%

Balance Sheet & Liquidity Metrics

MetricOPFI (2025)ECPG (2025)
Cash & Equivalents i49.45M156.78M
Total Current Assets i639.50M240.15M
Total Current Assets % of Revenue i107.1%13.6%
Total Current Liabilities i85.98M230.26M
Total Current Liabilities % of Revenue i14.4%13.0%
Long-Term Debt i332.78M4.00B
Long-Term Debt % of Revenue i55.7%226.2%
Total Shareholders Equity i308.88M976.75M
Retained Earnings i-33.51M1.10B
Retained Earnings % of Revenue i-5.6%62.5%
Property, Plant & Equipment i95.25M58.15M

Cash Flow Statement Comparison

MetricOPFI (2025)ECPG (2025)
Operating Cash Flow i391.70M153.20M
Operating Cash Flow % of Revenue i65.6%8.7%
Capital Expenditures i-19.11M11.38M
Free Cash Flow i382.19M126.93M
FCF Margin i64.0%7.2%
Debt Repayment i-250.75M-1.62B
Common Stock Repurchase i-15.52M-90.40M

Short Interest & Institutional Ownership Analysis

MetricOPFIECPG
Shares Short i3.00M1.19M
Short Ratio i6.004.10
Short % of Float i11.44%8.21%
Shares Outstanding i27.27M21.69M
Float Shares i22.64M20.74M
% Held by Insiders i6.77%4.12%
% Held by Institutions i84.11%107.19%
% Held by Public i9.12%-11.31%

Dividend Analysis & Yield Comparison: OppFi Inc. vs Encore Capital Group Inc.

MetricOPFIECPG
Last 12-Month Dividend i$0.25N/A
Last 12-Month Dividend Yield i1.99%N/A
3-Year Avg Annual Dividend i$0.12N/A
3-Year Avg Dividend Yield i3.48%N/A
3-Year Total Dividends i$0.37N/A
Ex-Dividend DateApr 08, 2025N/A