OPFI
OppFi Inc.
Software - Application
Market Cap$258M
5Y Perf.-1.3%
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Stock Comparison
OPFI vs RM
Revenue, margins, valuation, and 5-year total return — side by side.
RM
Regional Management Corp.
Financial - Credit Services
Market Cap$329M
5Y Perf.+30.8%
OPFI vs RM — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | OPFI | RM |
|---|---|---|
| Industry | Software - Application | Financial - Credit Services |
| Market Cap | $258M | $329M |
| Revenue (TTM) | $597M | $646M |
| Net Income (TTM) | $26M | $49M |
| Gross Margin | 95.1% | 52.3% |
| Operating Margin | 32.4% | 12.4% |
| Forward P/E | 5.4x | 6.3x |
| Total Debt | $339M | $1.73B |
| Cash & Equiv. | $93M | $98M |
OPFI vs RM — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
OPFI
RM
| Stock | Nov 20 | May 26 | Return |
|---|---|---|---|
| OppFi Inc. (OPFI) | 100 | 98.7 | -1.3% |
| Regional Management… (RM) | 100 | 130.8 | +30.8% |
Price return only. Dividends and distributions are not included.
Quick Verdict: OPFI vs RM
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 growth and revenue expansion and valuation and capital efficiency. Regional Management Corp. is the stronger pick specifically for profitability and margin quality and capital preservation and lower volatility. 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 growth exposure.
- Dividend streak 1 yrs, beta 1.69, yield 25.1%
- Rev growth 13.5%, EPS growth 175.0%, 3Y rev CAGR 9.7%
- 13.5% revenue growth vs RM's 9.7%
Best for: income & stability and growth exposure
RM
Regional Management Corp.
The Banking Pick
RM is the clearest fit if your priority is long-term compounding and sleep-well-at-night.
- 161.7% 10Y total return vs OPFI's 2.7%
- Lower volatility, beta 1.40, current ratio 8.39x
- Beta 1.40, yield 3.3%, current ratio 8.39x
Best for: long-term compounding and sleep-well-at-night
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | OPFI | 13.5% revenue growth vs RM's 9.7% |
| Value | OPFI | Lower P/E (5.4x vs 6.3x) |
| Quality / Margins | RM | 6.9% margin vs OPFI's 4.4% |
| Stability / Safety | RM | Beta 1.40 vs OPFI's 1.69 |
| Dividends | OPFI | 25.1% yield, 1-year raise streak, vs RM's 3.3% |
| Momentum (1Y) | RM | +27.2% vs OPFI's +0.5% |
| Efficiency (ROA) | OPFI | 3.8% ROA vs RM's 2.4%, ROIC 27.4% vs 3.0% |
OPFI vs RM — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
FY 2025
Segment breakdown not available.
OPFI vs RM — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLOPFILAGGINGRM
RMRegional Management C…
1leads
OPFIOppFi Inc.
5leads
6 Total Categories
CATEGORYLEADERvs RMMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
OPFI4/5
Valuation MetricsMultiples, price ratios, and targets
OPFI5/6
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
OPFI7/8
Total Returns1Y, 3Y, 5Y total returns with dividends
OPFI4/6
Risk & VolatilityBeta, volatility, and downside exposure
RM2/2
Analyst OutlookRatings, price targets, and dividends
OPFI2/2
Income & Cash Flow (Last 12 Months)
OPFI leads this category, winning 4 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
RM and OPFI operate at a comparable scale, with $646M and $597M in trailing revenue. Profitability is closely matched — net margins range from 6.9% (RM) to 4.4% (OPFI).
| Metric | OPFIOppFi Inc. | RMRegional Manageme… |
|---|---|---|
| RevenueTrailing 12 months | $597M | $646M |
| EBITDAEarnings before interest/tax | $198M | $117M |
| Net IncomeAfter-tax profit | $26M | $49M |
| Free Cash FlowCash after capex | $387M | $316M |
| Gross MarginGross profit ÷ Revenue | +95.1% | +52.3% |
| Operating MarginEBIT ÷ Revenue | +32.4% | +12.4% |
| Net MarginNet income ÷ Revenue | +4.4% | +6.9% |
| FCF MarginFCF ÷ Revenue | +64.8% | +47.1% |
| Rev. Growth (YoY)Latest quarter vs prior year | +17.3% | — |
| EPS Growth (YoY)Latest quarter vs prior year | +167.9% | +68.6% |
OPFI leads this category, winning 4 of 5 comparable metrics.
Valuation Metrics
OPFI leads this category, winning 5 of 6 comparable metrics.
Valuation Metrics
At 7.9x trailing earnings, RM trades at a 20% valuation discount to OPFI's 9.8x P/E. On an enterprise value basis, OPFI's 2.5x EV/EBITDA is more attractive than RM's 21.3x.
| Metric | OPFIOppFi Inc. | RMRegional Manageme… |
|---|---|---|
| Market CapShares × price | $258M | $329M |
| Enterprise ValueMkt cap + debt − cash | $504M | $2.0B |
| Trailing P/EPrice ÷ TTM EPS | 9.85x | 7.86x |
| Forward P/EPrice ÷ next-FY EPS est. | 5.43x | 6.28x |
| PEG RatioP/E ÷ EPS growth rate | — | 0.60x |
| EV / EBITDAEnterprise value multiple | 2.54x | 21.34x |
| Price / SalesMarket cap ÷ Revenue | 0.43x | 0.51x |
| Price / BookPrice ÷ Book value/share | 0.84x | 0.93x |
| Price / FCFMarket cap ÷ FCF | 0.68x | 1.08x |
OPFI leads this category, winning 5 of 6 comparable metrics.
Profitability & Efficiency
OPFI leads this category, winning 7 of 8 comparable metrics.
Profitability & Efficiency
RM delivers a 13.2% return on equity — every $100 of shareholder capital generates $13 in annual profit, vs $10 for OPFI. OPFI carries lower financial leverage with a 1.10x debt-to-equity ratio, signaling a more conservative balance sheet compared to RM's 4.65x.
| Metric | OPFIOppFi Inc. | RMRegional Manageme… |
|---|---|---|
| ROE (TTM)Return on equity | +10.1% | +13.2% |
| ROA (TTM)Return on assets | +3.8% | +2.4% |
| ROICReturn on invested capital | +27.4% | +3.0% |
| ROCEReturn on capital employed | +30.9% | +4.5% |
| Piotroski ScoreFundamental quality 0–9 | 6 | 6 |
| Debt / EquityFinancial leverage | 1.10x | 4.65x |
| Net DebtTotal debt minus cash | $246M | $1.6B |
| Cash & Equiv.Liquid assets | $93M | $98M |
| Total DebtShort + long-term debt | $339M | $1.7B |
| Interest CoverageEBIT ÷ Interest expense | 6.58x | 1.24x |
OPFI leads this category, winning 7 of 8 comparable metrics.
Total Returns (Dividends Reinvested)
OPFI leads this category, winning 4 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in OPFI five years ago would be worth $9,961 today (with dividends reinvested), compared to $9,611 for RM. Over the past 12 months, RM leads with a +27.2% total return vs OPFI's +0.5%. The 3-year compound annual growth rate (CAGR) favors OPFI at 70.8% vs RM's 13.1% — a key indicator of consistent wealth creation.
| Metric | OPFIOppFi Inc. | RMRegional Manageme… |
|---|---|---|
| YTD ReturnYear-to-date | -5.3% | -10.1% |
| 1-Year ReturnPast 12 months | +0.5% | +27.2% |
| 3-Year ReturnCumulative with dividends | +398.5% | +44.5% |
| 5-Year ReturnCumulative with dividends | -0.4% | -3.9% |
| 10-Year ReturnCumulative with dividends | +2.7% | +161.7% |
| CAGR (3Y)Annualised 3-year return | +70.8% | +13.1% |
OPFI leads this category, winning 4 of 6 comparable metrics.
Risk & Volatility
RM leads this category, winning 2 of 2 comparable metrics.
Risk & Volatility
RM is the less volatile stock with a 1.40 beta — it tends to amplify market swings less than OPFI's 1.69 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. RM currently trades 76.0% from its 52-week high vs OPFI's 64.9% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | OPFIOppFi Inc. | RMRegional Manageme… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 1.69x | 1.40x |
| 52-Week HighHighest price in past year | $15.03 | $46.00 |
| 52-Week LowLowest price in past year | $7.36 | $26.06 |
| % of 52W HighCurrent price vs 52-week peak | +64.9% | +76.0% |
| RSI (14)Momentum oscillator 0–100 | 74.6 | 42.7 |
| Avg Volume (50D)Average daily shares traded | 466K | 56K |
RM leads this category, winning 2 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 RM as "Hold". For income investors, OPFI offers the higher dividend yield at 25.12% vs RM's 3.31%.
| Metric | OPFIOppFi Inc. | RMRegional Manageme… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Hold |
| Price TargetConsensus 12-month target | $7.25 | — |
| # AnalystsCovering analysts | 5 | 15 |
| Dividend YieldAnnual dividend ÷ price | +25.1% | +3.3% |
| Dividend StreakConsecutive years of raises | 1 | 0 |
| Dividend / ShareAnnual DPS | $2.45 | $1.16 |
| Buyback YieldShare repurchases ÷ mkt cap | +6.0% | +7.3% |
OPFI leads this category, winning 2 of 2 comparable metrics.
Key Takeaway
OPFI leads in 5 of 6 categories (Income & Cash Flow, Valuation Metrics). RM leads in 1 (Risk & Volatility).
Best OverallOppFi Inc. (OPFI)Leads 5 of 6 categories
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OPFI vs RM: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is OPFI or RM a better buy right now?
For growth investors, OppFi Inc.
(OPFI) is the stronger pick with 13. 5% revenue growth year-over-year, versus 9. 7% for Regional Management Corp. (RM). Regional Management Corp. (RM) offers the better valuation at 7. 9x trailing P/E (6. 3x 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 RM?
On trailing P/E, Regional Management Corp.
(RM) is the cheapest at 7. 9x versus OppFi Inc. at 9. 8x. On forward P/E, OppFi Inc. is actually cheaper at 5. 4x — notably different from the trailing picture, reflecting expected earnings growth.
03Which is the better long-term investment — OPFI or RM?
Over the past 5 years, OppFi Inc.
(OPFI) delivered a total return of -0. 4%, compared to -3. 9% for Regional Management Corp. (RM). Over 10 years, the gap is even starker: RM returned +161. 7% 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.
04Which is safer — OPFI or RM?
By beta (market sensitivity over 5 years), Regional Management Corp.
(RM) is the lower-risk stock at 1. 40β versus OppFi Inc. 's 1. 69β — meaning OPFI is approximately 21% more volatile than RM relative to the S&P 500. On balance sheet safety, OppFi Inc. (OPFI) carries a lower debt/equity ratio of 110% versus 5% for Regional Management Corp. — giving it more financial flexibility in a downturn.
05Which is growing faster — OPFI or RM?
By revenue growth (latest reported year), OppFi Inc.
(OPFI) is pulling ahead at 13. 5% versus 9. 7% for Regional Management Corp. (RM). On earnings-per-share growth, the picture is similar: OppFi Inc. grew EPS 175. 0% year-over-year, compared to 7. 5% for Regional Management Corp.. 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 RM?
Regional Management Corp.
(RM) is the more profitable company, earning 6. 9% net margin versus 4. 4% for OppFi Inc. — meaning it keeps 6. 9% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: OPFI leads at 32. 4% versus 12. 4% for RM. 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 RM more undervalued right now?
On forward earnings alone, OppFi Inc.
(OPFI) trades at 5. 4x forward P/E versus 6. 3x for Regional Management Corp. — 0. 9x cheaper on a one-year earnings basis.
08Which pays a better dividend — OPFI or RM?
All stocks in this comparison pay dividends.
OppFi Inc. (OPFI) offers the highest yield at 25. 1%, versus 3. 3% for Regional Management Corp. (RM).
09Is OPFI or RM better for a retirement portfolio?
For long-horizon retirement investors, Regional Management Corp.
(RM) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (3. 3% yield, +161. 7% 10Y return). 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 (RM: +161. 7%, 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.
10What are the main differences between OPFI and RM?
These companies operate in different sectors (OPFI (Technology) and RM (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.
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Revenue Growth>
%
(OPFI: 17.3% · RM: 9.7%)Net Margin>
%
(OPFI: 4.4% · RM: 6.9%)P/E Ratio<
x
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