OppFi [OPFI] vs EzCorp [EZPW] Detailed Stock Comparison

OppFi Inc.

NYSE
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EzCorp Inc.

NASDAQ
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TLDR: Quick Comparison Summary

Based on 21 vital metrics comparison: OppFi Inc. wins in 10 metrics, EzCorp Inc. wins in 10 metrics, with 0 ties. Both stocks appear equally matched on key metrics.

View Metrics Details

Vital Metrics Comparison

Metric OppFi Inc. EzCorp Inc. Better
P/E Ratio (TTM) 8.66 20.21 OppFi Inc.
Price-to-Book Ratio 4.00 1.83 EzCorp Inc.
Debt-to-Equity Ratio 107.74 71.63 EzCorp Inc.
PEG Ratio 4.22 0.77 EzCorp Inc.
EV/EBITDA 1.91 11.19 OppFi Inc.
Profit Margin (TTM) 7.70% 9.20% EzCorp Inc.
Operating Margin (TTM) 40.59% 15.89% OppFi Inc.
EBITDA Margin (TTM) 40.59% 15.89% OppFi Inc.
Return on Equity 53.86% 12.97% OppFi Inc.
Return on Assets (TTM) 20.96% 6.06% OppFi Inc.
Free Cash Flow (TTM) $382.19M $110.42M OppFi Inc.
Dividend Yield 1.99% N/A N/A
1-Year Return -32.99% 132.27% EzCorp Inc.
Price-to-Sales Ratio (TTM) 0.66 1.47 OppFi Inc.
Enterprise Value $760.28M $2.26B EzCorp Inc.
EV/Revenue Ratio 2.22 1.69 EzCorp Inc.
Gross Profit Margin (TTM) 84.90% 58.37% OppFi Inc.
Revenue per Share (TTM) $13 $23 EzCorp Inc.
Earnings per Share (Diluted) $0.99 $1.57 EzCorp Inc.
Beta (Stock Volatility) 1.80 0.52 EzCorp Inc.
Short % of Float 11.44% 22.45% OppFi Inc.

OppFi Inc. vs EzCorp Inc. Stock Performance Analysis

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OPFI
EZPW

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
OppFi Inc.-4.31%-5.44%-17.27%-12.28%-21.18%-22.33%
EzCorp Inc.2.51%-4.70%-2.36%19.70%58.64%58.72%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
OppFi Inc.-32.99%306.22%-16.60%-13.81%-13.81%-13.81%
EzCorp Inc.132.27%269.27%319.89%361.45%0.16%193.61%

Performance & Financial Health Analysis: OppFi Inc. vs EzCorp Inc.

MetricOPFIEZPW
Market Information
Market Cap i$729.61M$1.97B
Market Cap CategorySmall capSmall cap
10 Day Avg. Volume i315,754591,279
90 Day Avg. Volume i410,898744,290
Last Close$8.00$31.84
52 Week Range$7.36 - $15.03$12.85 - $37.13
% from 52W High-46.77%-14.25%
All-Time High$17.73 (Feb 03, 2025)$38.66 (Jul 04, 2011)
% from All-Time High-54.88%-17.64%
Growth Metrics
Quarterly Revenue Growth0.09%0.19%
Quarterly Earnings Growth0.17%0.43%
Financial Health
Profit Margin (TTM) i0.08%0.09%
Operating Margin (TTM) i0.41%0.16%
Return on Equity (TTM) i0.54%0.13%
Debt to Equity (MRQ) i107.7471.63
Cash & Liquidity
Book Value per Share (MRQ)$2.14$17.36
Cash per Share (MRQ)$1.87$7.55
Operating Cash Flow (TTM) i$401.30M$162.14M
Levered Free Cash Flow (TTM) i$712.12M$17.16M
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 EzCorp Inc.

MetricOPFI (Apr 24, 2026)EZPW (Apr 26, 2026)
Price Ratios
P/E Ratio (TTM) i8.6620.21
Forward P/E i4.2215.53
PEG Ratio i4.220.77
Price to Sales (TTM) i0.661.47
Price to Book (MRQ) i4.001.83
Market Capitalization
Market Capitalization i$729.61M$1.97B
Enterprise Value i$760.28M$2.26B
Enterprise Value Metrics
Enterprise to Revenue i2.221.69
Enterprise to EBITDA i1.9111.19
Risk & Other Metrics
Beta i1.800.52
Book Value per Share (MRQ) i$2.14$17.36

Financial Statements Comparison: OppFi Inc. vs EzCorp Inc.

Financial Metrics

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Revenue

Operating Margin

Profit Margin

Long Term Debt

Income Flow Analysis

Financial Statements Comparison

Income Statement

MetricOPFI (2025)EZPW (2025)
Revenue/Sales i597.05M1.27B
Cost of Goods Sold i100.06M528.22M
COGS % of Revenue i16.8%41.5%
Gross Profit i496.99M746.07M
Gross Margin i83.2%58.5%
Research & Development iN/AN/A
Operating Income (EBIT) i382.55M148.92M
Operating Margin i64.1%11.7%
EBITDA i399.05M203.35M
EBITDA Margin i66.8%16.0%
Pre-Tax Income i156.13M146.77M
Pre-Tax Income % of Revenue i26.2%11.5%
Income Tax i9.89M37.16M
Income Tax % of Revenue i1.7%2.9%
Net Income (Profit) i146.25M109.61M
Profit Margin i24.5%8.6%

Balance Sheet & Liquidity Metrics

MetricOPFI (2025)EZPW (2025)
Cash & Equivalents i49.45M469.52M
Total Current Assets i639.50M1.13B
Total Current Assets % of Revenue i107.1%88.4%
Total Current Liabilities i85.98M200.57M
Total Current Liabilities % of Revenue i14.4%15.7%
Long-Term Debt i332.78M702.81M
Long-Term Debt % of Revenue i55.7%55.2%
Total Shareholders Equity i308.88M1.03B
Retained Earnings i-33.51M612.69M
Retained Earnings % of Revenue i-5.6%48.1%
Property, Plant & Equipment i95.25M0

Cash Flow Statement Comparison

MetricOPFI (2025)EZPW (2025)
Operating Cash Flow i391.70M159.12M
Operating Cash Flow % of Revenue i65.6%12.5%
Capital Expenditures i-19.11MN/A
Free Cash Flow i382.19M110.42M
FCF Margin i64.0%8.7%
Debt Repayment i-250.75M-7.02M
Common Stock Repurchase i-15.52M-7.00M

Short Interest & Institutional Ownership Analysis

MetricOPFIEZPW
Shares Short i3.00M10.23M
Short Ratio i6.0013.60
Short % of Float i11.44%22.45%
Shares Outstanding i27.27M61.69M
Float Shares i22.64M55.66M
% Held by Insiders i6.77%4.51%
% Held by Institutions i84.11%114.64%
% Held by Public i9.12%-19.15%

Dividend Analysis & Yield Comparison: OppFi Inc. vs EzCorp Inc.

MetricOPFIEZPW
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