OppFi (OPFI) vs Velocity Financial (VEL)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 8, 2026.
Summary
Velocity Financial (VEL) has outperformed OppFi (OPFI) over the past year, losing 18.3% versus a loss of 40.2%. Over five years, VEL leads with a +18.2% price change compared with -17.4% for OPFI. Velocity Financial is the larger company by market cap ($573.9 million vs $510.4 million), about 1.1 times the size.
On valuation, OppFi trades at a lower forward P/E (3.1x vs 4.8x for Velocity 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 | VEL |
|---|---|---|
| Share price | $5.99 | $14.54 |
| Market cap | $510.40M | $573.86M |
| 1-day change | -1.16% | -1.39% |
| YTD return | -42.07% | -29.00% |
| 1-year return | -40.18% | -18.34% |
| 5-year return | -17.44% | +18.20% |
| P/E ratio (TTM) | 2.80 | 5.29 |
| Forward P/E | 3.10 | 4.79 |
| EPS (TTM) | $2.14 | $2.75 |
| Dividend yield | 0.00% | 0.00% |
| Annual dividend | $0.00 | $0.00 |
| 52-week high | $11.69 | $21.40 |
| 52-week low | $5.91 | $14.18 |
| Distance from 52-week high | -48.76% | -32.06% |
| Analyst consensus | none | hold |
| Avg. price target upside | +122.37% | +43.31% |
| Average volume | 849.49K | 139.65K |
| Shares outstanding | 85.21M | 39.48M |
| Employees | 410 | 364 |
| 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
- VEL has outperformed OPFI by 21.8 percentage points over the past year.
- Velocity Financial trades at a higher earnings multiple (5.3x 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 Velocity Financial
VEL stock →Velocity Financial, Inc. operates as a real estate finance company in the United States.
Finance · Finance: Consumer Services · 364 employees
OPFI vs VEL FAQ
Which is bigger, OppFi or Velocity Financial?
Velocity Financial (VEL) is larger, with a market capitalization of $573.86M compared with $510.40M for OppFi (OPFI).
Which stock has performed better over the past year, OPFI or VEL?
VEL returned -18.34% 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 VEL?
OPFI has the lower trailing P/E at 2.8, versus 5.3 for VEL. 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 Velocity Financial in the same industry?
Yes. Both are classified in the Finance: Consumer Services industry within the Finance sector.