ENVA vs OPFI
ENVA: Digital-first consumer and small business lender with a major pending bank acquisition, serving underserved borrowers through online origination and credit securitization. OPFI: A fintech-powered lending platform partnering with community banks to provide fair, transparent installment credit and financial education to everyday Americans underserved by mainstream finance.
Side-by-side fundamentals
| Metric | ENVA | OPFI | Edge |
|---|---|---|---|
| Price as of 2026-07-22 close | $222.49 | $9.24 | |
| Market cap as of 2026-07-23 | $5.7B | $1.3B | |
| P/E as of 2026-07-23 | 17.41 | 20.14 | ENVA lower |
| PEG as of 2026-07-23 | 0.41 | n/a | |
| Net margin as of 2026-07-23 | +16.9% | +10.9% | ENVA higher |
| Gross margin as of 2026-07-23 | +100.0% | +98.9% | ENVA higher |
| Operating margin as of 2026-07-23 | +40.0% | +26.2% | ENVA higher |
| ROE as of 2026-07-23 | +24.9% | +134.3% | OPFI higher |
| ROA as of 2026-07-23 | +5.2% | +9.2% | OPFI higher |
| Debt / equity as of 2026-07-23 | 3.45 | 3.76 | ENVA lower |
| Revenue growth (YoY) as of 2026-07-23 | +20.1% | +12.9% | ENVA higher |
| Revenue CAGR (3y) SEC XBRL | +22.0% | n/a | |
| Dividend yield as of 2026-07-23 | n/a | +0.5% | |
| Dividend streak (yrs) SEC XBRL | 2 | 2 | Tie |
| Beta as of 2026-07-23 | 1.24 | 1.84 | |
| 1-year return as of 2026-07-22 close | +102.1% | -18.1% | ENVA higher |
Fundamentals: Finnhub, as of 2026-07-23. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-07-22.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & Finnhub, shown with their as-of date; "Edge" cells are a pure numeric comparison, not a recommendation.