OPFI
OppFi Inc.
Software - Application
Market Cap$852M
5Y Perf.+0.1%
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Stock Comparison
OPFI vs ATLC
Revenue, margins, valuation, and 5-year total return — side by side.
ATLC
Atlanticus Holdings Corporation
Financial - Credit Services
Market Cap$1.17B
5Y Perf.+422.3%
OPFI vs ATLC — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | OPFI | ATLC |
|---|---|---|
| Industry | Software - Application | Financial - Credit Services |
| Market Cap | $852M | $1.17B |
| Revenue (TTM) | $544M | $704M |
| Net Income (TTM) | $66M | $133M |
| Gross Margin | 96.2% | 56.3% |
| Operating Margin | 34.2% | 22.7% |
| Forward P/E | 5.5x | 8.7x |
| Total Debt | $333M | $6.54B |
| Cash & Equiv. | $49M | $621M |
OPFI vs ATLC — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
OPFI
ATLC
| Stock | Nov 20 | May 26 | Return |
|---|---|---|---|
| OppFi Inc. (OPFI) | 100 | 100.1 | +0.1% |
| Atlanticus Holdings… (ATLC) | 100 | 522.3 | +422.3% |
Price return only. Dividends and distributions are not included.
Quick Verdict: OPFI vs ATLC
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: OPFI leads in 4 of 7 categories, making it the strongest pick for valuation and capital efficiency and capital preservation and lower volatility. Atlanticus Holdings Corporation is the stronger pick specifically for growth and revenue expansion and profitability and margin quality. This set spans 2 sectors — these stocks serve different portfolio roles, not just different price points.
OPFI
OppFi Inc.
The Income Pick
OPFI carries the broadest edge in this set and is the clearest fit for income & stability and sleep-well-at-night.
- Dividend streak 1 yrs, beta 1.69, yield 24.8%
- Lower volatility, beta 1.69, current ratio 7.44x
- Beta 1.69, yield 24.8%, current ratio 7.44x
Best for: income & stability and sleep-well-at-night
ATLC
Atlanticus Holdings Corporation
The Banking Pick
ATLC is the clearest fit if your priority is growth exposure and long-term compounding.
- Rev growth 53.3%, EPS growth 24.9%
- 25.1% 10Y total return vs OPFI's 4.2%
- 53.3% NII/revenue growth vs OPFI's 13.5%
Best for: growth exposure and long-term compounding
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | ATLC | 53.3% NII/revenue growth vs OPFI's 13.5% |
| Value | OPFI | Lower P/E (5.5x vs 8.7x) |
| Quality / Margins | ATLC | 17.3% margin vs OPFI's 12.1% |
| Stability / Safety | OPFI | Beta 1.69 vs ATLC's 1.81, lower leverage |
| Dividends | OPFI | 24.8% yield, 1-year raise streak, vs ATLC's 0.8% |
| Momentum (1Y) | ATLC | +45.6% vs OPFI's -8.8% |
| Efficiency (ROA) | OPFI | 9.2% ROA vs ATLC's 2.1%, ROIC 26.4% vs 2.4% |
OPFI vs ATLC — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
FY 2025
FY 2025
OPFI vs ATLC — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLOPFILAGGINGATLC
ATLCAtlanticus Holdings C…
1leads
OPFIOppFi Inc.
4leads
6 Total Categories
CATEGORYLEADERvs ATLCMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
OPFI3/5
Valuation MetricsMultiples, price ratios, and targets
OPFI5/6
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
OPFI9/9
Total Returns1Y, 3Y, 5Y total returns with dividends
ATLC4/6
Risk & VolatilityBeta, volatility, and downside exposure
Tied
—
Analyst OutlookRatings, price targets, and dividends
OPFI2/2
Income & Cash Flow (Last 12 Months)
OPFI leads this category, winning 3 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
ATLC and OPFI operate at a comparable scale, with $704M and $544M in trailing revenue. ATLC is the more profitable business, keeping 17.3% of every revenue dollar as net income compared to OPFI's 12.1%.
| Metric | OPFIOppFi Inc. | ATLCAtlanticus Holdin… |
|---|---|---|
| RevenueTrailing 12 months | $544M | $704M |
| EBITDAEarnings before interest/tax | $190M | $124M |
| Net IncomeAfter-tax profit | $66M | $133M |
| Free Cash FlowCash after capex | $399M | $788M |
| Gross MarginGross profit ÷ Revenue | +96.2% | +56.3% |
| Operating MarginEBIT ÷ Revenue | +34.2% | +22.7% |
| Net MarginNet income ÷ Revenue | +12.1% | +17.3% |
| FCF MarginFCF ÷ Revenue | +73.2% | +89.8% |
| Rev. Growth (YoY)Latest quarter vs prior year | -37.8% | — |
| EPS Growth (YoY)Latest quarter vs prior year | +2.2% | +49.7% |
OPFI leads this category, winning 3 of 5 comparable metrics.
Valuation Metrics
OPFI leads this category, winning 5 of 6 comparable metrics.
Valuation Metrics
At 10.0x trailing earnings, OPFI trades at a 24% valuation discount to ATLC's 13.1x P/E. On an enterprise value basis, OPFI's 5.7x EV/EBITDA is more attractive than ATLC's 41.8x.
| Metric | OPFIOppFi Inc. | ATLCAtlanticus Holdin… |
|---|---|---|
| Market CapShares × price | $852M | $1.2B |
| Enterprise ValueMkt cap + debt − cash | $1.1B | $7.1B |
| Trailing P/EPrice ÷ TTM EPS | 9.99x | 13.14x |
| Forward P/EPrice ÷ next-FY EPS est. | 5.51x | 8.65x |
| PEG RatioP/E ÷ EPS growth rate | — | 1.53x |
| EV / EBITDAEnterprise value multiple | 5.72x | 41.80x |
| Price / SalesMarket cap ÷ Revenue | 1.43x | 1.66x |
| Price / BookPrice ÷ Book value/share | 0.85x | 2.49x |
| Price / FCFMarket cap ÷ FCF | 2.23x | 1.85x |
OPFI leads this category, winning 5 of 6 comparable metrics.
Profitability & Efficiency
OPFI leads this category, winning 9 of 9 comparable metrics.
Profitability & Efficiency
OPFI delivers a 23.1% return on equity — every $100 of shareholder capital generates $23 in annual profit, vs $22 for ATLC. OPFI carries lower financial leverage with a 1.08x debt-to-equity ratio, signaling a more conservative balance sheet compared to ATLC's 10.84x. On the Piotroski fundamental quality scale (0–9), OPFI scores 6/9 vs ATLC's 3/9, reflecting solid financial health.
| Metric | OPFIOppFi Inc. | ATLCAtlanticus Holdin… |
|---|---|---|
| ROE (TTM)Return on equity | +23.1% | +21.8% |
| ROA (TTM)Return on assets | +9.2% | +2.1% |
| ROICReturn on invested capital | +26.4% | +2.4% |
| ROCEReturn on capital employed | +30.9% | +3.1% |
| Piotroski ScoreFundamental quality 0–9 | 6 | 3 |
| Debt / EquityFinancial leverage | 1.08x | 10.84x |
| Net DebtTotal debt minus cash | $283M | $5.9B |
| Cash & Equiv.Liquid assets | $49M | $621M |
| Total DebtShort + long-term debt | $333M | $6.5B |
| Interest CoverageEBIT ÷ Interest expense | 3.70x | 0.90x |
OPFI leads this category, winning 9 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
ATLC leads this category, winning 4 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in ATLC five years ago would be worth $22,886 today (with dividends reinvested), compared to $10,128 for OPFI. Over the past 12 months, ATLC leads with a +45.6% total return vs OPFI's -8.8%. The 3-year compound annual growth rate (CAGR) favors OPFI at 71.6% vs ATLC's 40.8% — a key indicator of consistent wealth creation.
| Metric | OPFIOppFi Inc. | ATLCAtlanticus Holdin… |
|---|---|---|
| YTD ReturnYear-to-date | -4.0% | +18.1% |
| 1-Year ReturnPast 12 months | -8.8% | +45.6% |
| 3-Year ReturnCumulative with dividends | +405.4% | +179.3% |
| 5-Year ReturnCumulative with dividends | +1.3% | +128.9% |
| 10-Year ReturnCumulative with dividends | +4.2% | +2511.3% |
| CAGR (3Y)Annualised 3-year return | +71.6% | +40.8% |
ATLC leads this category, winning 4 of 6 comparable metrics.
Risk & Volatility
Evenly matched — OPFI and ATLC each lead in 1 of 2 comparable metrics.
Risk & Volatility
OPFI is the less volatile stock with a 1.69 beta — it tends to amplify market swings less than ATLC's 1.81 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. ATLC currently trades 97.4% from its 52-week high vs OPFI's 65.8% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | OPFIOppFi Inc. | ATLCAtlanticus Holdin… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 1.69x | 1.81x |
| 52-Week HighHighest price in past year | $15.03 | $80.42 |
| 52-Week LowLowest price in past year | $7.36 | $45.74 |
| % of 52W HighCurrent price vs 52-week peak | +65.8% | +97.4% |
| RSI (14)Momentum oscillator 0–100 | 74.6 | 66.6 |
| Avg Volume (50D)Average daily shares traded | 487K | 66K |
Evenly matched — OPFI and ATLC each lead in 1 of 2 comparable metrics.
Analyst Outlook
OPFI leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
Wall Street rates OPFI as "Buy" and ATLC as "Buy". Consensus price targets imply -10.6% upside for ATLC (target: $70) vs -26.7% for OPFI (target: $7). For income investors, OPFI offers the higher dividend yield at 24.76% vs ATLC's 0.83%.
| Metric | OPFIOppFi Inc. | ATLCAtlanticus Holdin… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Buy |
| Price TargetConsensus 12-month target | $7.25 | $70.00 |
| # AnalystsCovering analysts | 5 | 6 |
| Dividend YieldAnnual dividend ÷ price | +24.8% | +0.8% |
| Dividend StreakConsecutive years of raises | 1 | 0 |
| Dividend / ShareAnnual DPS | $2.45 | $0.65 |
| Buyback YieldShare repurchases ÷ mkt cap | +1.8% | +6.0% |
OPFI leads this category, winning 2 of 2 comparable metrics.
Key Takeaway
OPFI leads in 4 of 6 categories (Income & Cash Flow, Valuation Metrics). ATLC leads in 1 (Total Returns). 1 tied.
Best OverallOppFi Inc. (OPFI)Leads 4 of 6 categories
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OPFI vs ATLC: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is OPFI or ATLC a better buy right now?
For growth investors, Atlanticus Holdings Corporation (ATLC) is the stronger pick with 53.
3% revenue growth year-over-year, versus 13. 5% for OppFi Inc. (OPFI). OppFi Inc. (OPFI) offers the better valuation at 10. 0x trailing P/E (5. 5x forward), making it the more compelling value choice. Analysts rate OppFi Inc. (OPFI) a "Buy" — based on 5 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — OPFI or ATLC?
On trailing P/E, OppFi Inc.
(OPFI) is the cheapest at 10. 0x versus Atlanticus Holdings Corporation at 13. 1x. On forward P/E, OppFi Inc. is actually cheaper at 5. 5x.
03Which is the better long-term investment — OPFI or ATLC?
Over the past 5 years, Atlanticus Holdings Corporation (ATLC) delivered a total return of +128.
9%, compared to +1. 3% for OppFi Inc. (OPFI). Over 10 years, the gap is even starker: ATLC returned +25. 1% versus OPFI's +4. 2%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — OPFI or ATLC?
By beta (market sensitivity over 5 years), OppFi Inc.
(OPFI) is the lower-risk stock at 1. 69β versus Atlanticus Holdings Corporation's 1. 81β — meaning ATLC is approximately 7% more volatile than OPFI relative to the S&P 500. On balance sheet safety, OppFi Inc. (OPFI) carries a lower debt/equity ratio of 108% versus 11% for Atlanticus Holdings Corporation — giving it more financial flexibility in a downturn.
05Which is growing faster — OPFI or ATLC?
By revenue growth (latest reported year), Atlanticus Holdings Corporation (ATLC) is pulling ahead at 53.
3% versus 13. 5% for OppFi Inc. (OPFI). On earnings-per-share growth, the picture is similar: OppFi Inc. grew EPS 175. 0% year-over-year, compared to 24. 9% for Atlanticus Holdings Corporation. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
06Which has better profit margins — OPFI or ATLC?
Atlanticus Holdings Corporation (ATLC) is the more profitable company, earning 17.
3% net margin versus 4. 4% for OppFi Inc. — meaning it keeps 17. 3% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: OPFI leads at 32. 4% versus 22. 7% for ATLC. At the gross margin level — before operating expenses — OPFI leads at 95. 1%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
07Is OPFI or ATLC more undervalued right now?
On forward earnings alone, OppFi Inc.
(OPFI) trades at 5. 5x forward P/E versus 8. 7x for Atlanticus Holdings Corporation — 3. 1x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for ATLC: -10. 6% to $70. 00.
08Which pays a better dividend — OPFI or ATLC?
All stocks in this comparison pay dividends.
OppFi Inc. (OPFI) offers the highest yield at 24. 8%, versus 0. 8% for Atlanticus Holdings Corporation (ATLC).
09Is OPFI or ATLC better for a retirement portfolio?
For long-horizon retirement investors, OppFi Inc.
(OPFI) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (24. 8% yield). Atlanticus Holdings Corporation (ATLC) carries a higher beta of 1. 81 — meaning larger drawdowns in market downturns, which matters significantly when you cannot wait years for a recovery. Both have compounded well over 10 years (OPFI: +4. 2%, ATLC: +25. 1%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
10What are the main differences between OPFI and ATLC?
These companies operate in different sectors (OPFI (Technology) and ATLC (Financial Services)), which means they face different economic cycles, regulatory environments, and macro sensitivities — making direct comparison nuanced.
In terms of investment character: OPFI is a small-cap deep-value stock; ATLC is a small-cap high-growth stock. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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Revenue Growth>
%
(OPFI: -37.8% · ATLC: 53.3%)Net Margin>
%
(OPFI: 12.1% · ATLC: 17.3%)P/E Ratio<
x
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