OppFi [OPFI] vs EzCorp [EZPW] Detailed Stock Comparison
OppFi
NYSE
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EzCorp
NASDAQ
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TLDR: Quick Comparison Summary
Based on 20 vital metrics comparison: OppFi wins in 9 metrics, EzCorp wins in 10 metrics, with 0 ties. EzCorp appears stronger overall.
View Metrics Details
Vital Metrics Comparison
| Metric | OppFi | EzCorp | Better |
|---|---|---|---|
| P/E Ratio (TTM) | 34.89 | 12.46 | EzCorp |
| Price-to-Book Ratio | 20.65 | 0.99 | EzCorp |
| Debt-to-Equity Ratio | 146.20 | 77.11 | EzCorp |
| PEG Ratio | -0.06 | 0.34 | OppFi |
| EV/EBITDA | 2.46 | 7.40 | OppFi |
| Profit Margin (TTM) | -10.44% | 7.96% | EzCorp |
| Operating Margin (TTM) | 49.49% | 11.58% | OppFi |
| EBITDA Margin (TTM) | 49.49% | 11.58% | OppFi |
| Return on Equity | 37.15% | 10.95% | OppFi |
| Return on Assets (TTM) | 12.50% | 5.13% | OppFi |
| Free Cash Flow (TTM) | $310.80M | $77.84M | OppFi |
| Dividend Yield | 1.99% | N/A | N/A |
| 1-Year Return | 113.02% | 33.76% | OppFi |
| Price-to-Sales Ratio (TTM) | 2.69 | 0.79 | EzCorp |
| Enterprise Value | $778.00M | $1.27B | EzCorp |
| EV/Revenue Ratio | 2.43 | 1.03 | EzCorp |
| Gross Profit Margin (TTM) | 80.77% | 59.05% | OppFi |
| Revenue per Share (TTM) | $14 | $22 | EzCorp |
| Earnings per Share (Diluted) | $-1.36 | $1.29 | EzCorp |
| Beta (Stock Volatility) | 1.72 | 0.57 | EzCorp |
Performance
Key Stats
Valuation
Financials
Short Interest
Dividends
OppFi vs EzCorp Stock Performance Analysis
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Performance Comparison
Short-term Returns
| Stock | 1D | 1W | 1M | 3M | 6M | YTD |
|---|---|---|---|---|---|---|
| OppFi | 0.73% | -8.70% | -15.65% | -14.83% | -14.53% | 19.43% |
| EzCorp | 0.88% | -0.31% | 14.03% | 18.02% | 16.54% | 30.78% |
Long-term Returns
| Stock | 1Y | 3Y | 5Y | 10Y | 15Y | 20Y |
|---|---|---|---|---|---|---|
| OppFi | 113.02% | 281.42% | -2.03% | -2.03% | -2.03% | -2.03% |
| EzCorp | 33.76% | 74.56% | 182.53% | 171.87% | -14.78% | 201.90% |
Performance & Financial Health Analysis: OppFi vs EzCorp
| Metric | OPFI | EZPW |
|---|---|---|
| Market Information | ||
| Market Cap | $863.46M | $978.60M |
| Market Cap Category | Small cap | Small cap |
| 10 Day Avg. Volume | 1,424,135 | 839,800 |
| 90 Day Avg. Volume | 1,196,765 | 762,343 |
| Last Close | $9.65 | $15.99 |
| 52 Week Range | $3.93 - $17.73 | $10.56 - $16.60 |
| % from 52W High | -45.57% | -3.67% |
| All-Time High | $17.73 (Feb 03, 2025) | $38.66 (Jul 04, 2011) |
| % from All-Time High | -45.57% | -58.64% |
| Growth Metrics | ||
| Quarterly Revenue Growth | 0.20% | 0.11% |
| Quarterly Earnings Growth | 0.13% | 0.48% |
| Financial Health | ||
| Profit Margin (TTM) | -0.10% | 0.08% |
| Operating Margin (TTM) | 0.49% | 0.12% |
| Return on Equity (TTM) | 0.37% | 0.11% |
| Debt to Equity (MRQ) | 146.20 | 77.11 |
| Cash & Liquidity | ||
| Book Value per Share (MRQ) | $0.48 | $16.24 |
| Cash per Share (MRQ) | $1.60 | $7.75 |
| Operating Cash Flow (TTM) | $351.43M | $141.07M |
| Levered Free Cash Flow (TTM) | $464.46M | $10.09M |
| Dividends | ||
| Last 12-Month Dividend Yield | 1.99% | N/A |
| Last 12-Month Dividend | $0.25 | N/A |
Valuation & Enterprise Metrics Analysis: OppFi vs EzCorp
| Metric | OPFI | EZPW |
|---|---|---|
| Price Ratios | ||
| P/E Ratio (TTM) | 34.89 | 12.46 |
| Forward P/E | 11.11 | 12.96 |
| PEG Ratio | -0.06 | 0.34 |
| Price to Sales (TTM) | 2.69 | 0.79 |
| Price to Book (MRQ) | 20.65 | 0.99 |
| Market Capitalization | ||
| Market Capitalization | $863.46M | $978.60M |
| Enterprise Value | $778.00M | $1.27B |
| Enterprise Value Metrics | ||
| Enterprise to Revenue | 2.43 | 1.03 |
| Enterprise to EBITDA | 2.46 | 7.40 |
| Risk & Other Metrics | ||
| Beta | 1.72 | 0.57 |
| Book Value per Share (MRQ) | $0.48 | $16.24 |
Financial Statements Comparison: OppFi vs EzCorp
Financial Metrics
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Revenue
EBITDA
Operating Margin
Free Cash Flow
Long Term Debt
Profit Margin
Current Ratio
Operating Cash Flow
Income Statement (MRQ)
| Metric (MRQ) | OPFI | EZPW |
|---|---|---|
| Revenue/Sales | $142.44M | $306.32M |
| Cost of Goods Sold | $27.39M | $127.86M |
| Gross Profit | $115.05M | $178.45M |
| Research & Development | N/A | N/A |
| Operating Income (EBIT) | $87.01M | $34.27M |
| EBITDA | $121.81M | $45.73M |
| Pre-Tax Income | $12.70M | $34.41M |
| Income Tax | $1.22M | $9.02M |
| Net Income (Profit) | $11.48M | $25.39M |
Balance Sheet & Liquidity Metrics (MRQ)
| Metric (MRQ) | OPFI | EZPW |
|---|---|---|
| Cash & Equivalents | $57.95M | $505.24M |
| Total Current Assets | $550.64M | $1.07B |
| Total Current Liabilities | $65.75M | $264.04M |
| Long-Term Debt | $300.84M | $700.06M |
| Total Shareholders Equity | $236.76M | $851.58M |
| Retained Earnings | $-72.17M | $561.21M |
| Property, Plant & Equipment | $81.91M | $284.01M |
Cash Flow Statement Comparison (MRQ)
| Metric (MRQ) | OPFI | EZPW |
|---|---|---|
| Operating Cash Flow | $69.15M | $39.39M |
| Capital Expenditures | $-4.39M | N/A |
| Free Cash Flow | $79.35M | $28.58M |
| Debt Repayment | $-30.83M | $-135,000 |
| Common Stock Repurchase | N/A | $-997,000 |
Short Interest & Institutional Ownership Analysis
| Metric | OPFI | EZPW |
|---|---|---|
| Shares Short | 5.35M | 8.87M |
| Short Ratio | 4.92 | 12.54 |
| Short % of Float | 0.20% | 0.21% |
| Average Daily Volume (10 Day) | 1,424,135 | 839,800 |
| Average Daily Volume (90 Day) | 1,196,765 | 762,343 |
| Shares Outstanding | 22.04M | 54.55M |
| Float Shares | 26.70M | 55.36M |
| % Held by Insiders | 0.06% | 0.04% |
| % Held by Institutions | 0.56% | 1.14% |
Dividend Analysis & Yield Comparison: OppFi vs EzCorp
| Metric | OPFI | EZPW |
|---|---|---|
| Last 12-Month Dividend | $0.25 | N/A |
| Last 12-Month Dividend Yield | 1.99% | N/A |
| 3-Year Avg Annual Dividend | $0.12 | N/A |
| 3-Year Avg Dividend Yield | 3.48% | N/A |
| 3-Year Total Dividends | $0.37 | N/A |
| Ex-Dividend Date | Apr 08, 2025 | N/A |