OppFi (OPFI) vs Oportun Financial (OPRT)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 8, 2026.
Summary
Oportun Financial (OPRT) has outperformed OppFi (OPFI) over the past year, gaining 54.0% versus a loss of 40.2%. Over five years, OPFI leads with a -17.4% price change compared with -67.0% for OPRT. OppFi is the larger company by market cap ($517.2 million vs $392.7 million), about 1.3 times the size.
On valuation, OppFi trades at a lower forward P/E (3.1x vs 4.4x for Oportun Financial).
Summary generated from market data by MetaCap's automated system. Methodology
Relative performance
Percent change in share price from the first common trading day shown; excludes dividends.
Head-to-head
| Metric | OPFI | OPRT |
|---|---|---|
| Share price | $6.07 | $8.54 |
| Market cap | $517.21M | $392.73M |
| 1-day change | +0.17% | +2.52% |
| YTD return | -42.07% | +57.47% |
| 1-year return | -40.18% | +53.97% |
| 5-year return | -17.44% | -67.02% |
| P/E ratio (TTM) | 2.84 | 21.35 |
| Forward P/E | 3.15 | 4.38 |
| EPS (TTM) | $2.14 | $0.40 |
| Dividend yield | 0.00% | 0.00% |
| Annual dividend | $0.00 | $0.00 |
| 52-week high | $11.69 | $8.66 |
| 52-week low | $5.91 | $4.03 |
| Distance from 52-week high | -48.08% | -1.39% |
| Analyst consensus | none | none |
| Avg. price target upside | +119.44% | +14.17% |
| Average volume | 849.49K | 543.79K |
| Shares outstanding | 85.21M | 45.99M |
| Employees | 410 | 2,405 |
| Sector | Finance | Finance |
| Industry | Finance: Consumer Services | Finance: Consumer Services |
Highlighted cells mark the higher value for growth, returns, margins and yield, and the lower value for P/E ratios. Highlighting is a mechanical comparison, not a recommendation.
Key differences
- OPRT has outperformed OPFI by 94.2 percentage points over the past year.
- Oportun Financial trades at a higher earnings multiple (21.4x vs 2.8x trailing P/E).
About OppFi
OPFI stock →OppFi Inc., a tech-enabled digital finance platform, provides financial products and services for banks in the United States. The company offers installment loans through OppLoans platform.
Finance · Finance: Consumer Services · 410 employees
About Oportun Financial
OPRT stock →Oportun Financial Corporation provides financial services in the United States. The company offers personal loans and credit cards.
Finance · Finance: Consumer Services · 2,405 employees
OPFI vs OPRT FAQ
Which is bigger, OppFi or Oportun Financial?
OppFi (OPFI) is larger, with a market capitalization of $517.21M compared with $392.73M for Oportun Financial (OPRT).
Which stock has performed better over the past year, OPFI or OPRT?
OPRT returned +53.97% over the past 12 months, compared with -40.18% for OPFI (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, OPFI or OPRT?
OPFI has the lower trailing P/E at 2.8, versus 21.4 for OPRT. A lower P/E is not by itself a sign of a better investment; it can reflect slower expected growth or higher risk.
Are OppFi and Oportun Financial in the same industry?
Yes. Both are classified in the Finance: Consumer Services industry within the Finance sector.