OPFI vs QFIN

For growth investors, OppFi Inc.

(OPFI) is the stronger pick with 13. 5% revenue growth year-over-year, versus 5. 4% for Qfin Holdings, Inc. (QFIN). Qfin Holdings, Inc. (QFIN) offers the better valuation at 2. 2x trailing P/E (0. 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.

On trailing P/E, Qfin Holdings, Inc.

(QFIN) is the cheapest at 2. 2x versus OppFi Inc. at 9. 8x. On forward P/E, Qfin Holdings, Inc. is actually cheaper at 0. 5x.

Over the past 5 years, OppFi Inc.

(OPFI) delivered a total return of -0. 4%, compared to -16. 4% for Qfin Holdings, Inc. (QFIN). Over 10 years, the gap is even starker: QFIN returned +19. 3% versus OPFI's +2. 7%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.

By beta (market sensitivity over 5 years), Qfin Holdings, Inc.

(QFIN) is the lower-risk stock at 1. 20β versus OppFi Inc. 's 1. 69β — meaning OPFI is approximately 41% more volatile than QFIN relative to the S&P 500. On balance sheet safety, Qfin Holdings, Inc. (QFIN) carries a lower debt/equity ratio of 7% versus 110% for OppFi Inc. — giving it more financial flexibility in a downturn.

By revenue growth (latest reported year), OppFi Inc.

(OPFI) is pulling ahead at 13. 5% versus 5. 4% for Qfin Holdings, Inc. (QFIN). On earnings-per-share growth, the picture is similar: OppFi Inc. grew EPS 175. 0% year-over-year, compared to 60. 7% for Qfin Holdings, Inc.. 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.

Qfin Holdings, Inc.

(QFIN) is the more profitable company, earning 36. 5% net margin versus 4. 4% for OppFi Inc. — meaning it keeps 36. 5% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: QFIN leads at 43. 9% versus 32. 4% for OPFI. 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.

On forward earnings alone, Qfin Holdings, Inc.

(QFIN) trades at 0. 5x forward P/E versus 5. 4x for OppFi Inc. — 4. 9x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for QFIN: 104. 7% to $28. 15.

All stocks in this comparison pay dividends.

OppFi Inc. (OPFI) offers the highest yield at 25. 1%, versus 8. 9% for Qfin Holdings, Inc. (QFIN).

For long-horizon retirement investors, Qfin Holdings, Inc.

(QFIN) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 1. 20), 8. 9% yield). OppFi Inc. (OPFI) carries a higher beta of 1. 69 — meaning larger drawdowns in market downturns, which matters significantly when you cannot wait years for a recovery. Both have compounded well over 10 years (QFIN: +19. 3%, OPFI: +2. 7%), 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.

These companies operate in different sectors (OPFI (Technology) and QFIN (Financial Services)), which means they face different economic cycles, regulatory environments, and macro sensitivities — making direct comparison nuanced.

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.