JCAP
Price
$22.29
Change
-$0.05 (-0.22%)
Updated
Aug 21 closing price
Capitalization
1.28B
81 days until earnings call
Intraday BUY SELL Signals
OPFI
Price
$6.98
Change
-$0.18 (-2.51%)
Updated
Aug 21 closing price
Capitalization
594.75M
74 days until earnings call
Intraday BUY SELL Signals
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JCAP vs OPFI

JCAP vs OPFI Comparison Chart in %
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JCAP vs. OPFI commentary
Aug 23, 2026

To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is JCAP is a Hold and OPFI is a Hold.

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COMPARISON
Comparison
Aug 23, 2026
Stock price -- (JCAP: $22.29 vs. OPFI: $6.98)
Brand notoriety: JCAP and OPFI are both not notable
Both companies represent the Savings Banks industry
Current volume relative to the 65-day Moving Average: JCAP: 94% vs. OPFI: 79%
Market capitalization -- JCAP: $1.28B vs. OPFI: $594.75M
JCAP [@Savings Banks] is valued at $1.28B. OPFI’s [@Savings Banks] market capitalization is $594.75M. The market cap for tickers in the [@Savings Banks] industry ranges from $698.09B to $0. The average market capitalization across the [@Savings Banks] industry is $35.05B.

Long-Term Analysis

It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is undervalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).

JCAP’s FA Score shows that 2 FA rating(s) are green whileOPFI’s FA Score has 1 green FA rating(s).

  • JCAP’s FA Score: 2 green, 3 red.
  • OPFI’s FA Score: 1 green, 4 red.
According to our system of comparison, JCAP is a better buy in the long-term than OPFI.

Short-Term Analysis

It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.

If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.

JCAP’s TA Score shows that 2 TA indicator(s) are bullish while OPFI’s TA Score has 4 bullish TA indicator(s).

  • JCAP’s TA Score: 2 bullish, 4 bearish.
  • OPFI’s TA Score: 4 bullish, 6 bearish.
According to our system of comparison, JCAP is a better buy in the short-term than OPFI.

Price Growth

JCAP (@Savings Banks) experienced а -7.12% price change this week, while OPFI (@Savings Banks) price change was -2.51% for the same time period.

The average weekly price growth across all stocks in the @Savings Banks industry was -1.71%. For the same industry, the average monthly price growth was +2.69%, and the average quarterly price growth was +9.50%.

Reported Earning Dates

JCAP is expected to report earnings on Nov 12, 2026.

OPFI is expected to report earnings on Nov 05, 2026.

Industries' Descriptions

@Savings Banks (-1.71% weekly)

A savings bank primary function is to take deposits and paying interest on those deposits. Originating in Europe during the 18th century, these banks were generally introduced to incentivize people of all stripes to save money and park them with banks. By the 1990s, the internet ushered in online savings banks that allowed savers to deposit/transact with banks digitally, without requiring to visit a branch office. Savings banks have potentially encouraged lower-income population to save and have access to a financial institution to earn interest on their money. New York Community Bancorp, Inc, Webster Financial Corporation, Washington Federal, Inc. are examples of savings banks.

SUMMARIES
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FUNDAMENTALS
Fundamentals
JCAP($1.28B) has a higher market cap than OPFI($595M). JCAP has higher P/E ratio than OPFI: JCAP (4.20) vs OPFI (2.32). JCAP YTD gains are higher at: 2.444 vs. OPFI (-33.270). OPFI has higher annual earnings (EBITDA): 395M vs. JCAP (207M). OPFI has more cash in the bank: 63.9M vs. JCAP (26.2M). OPFI has less debt than JCAP: OPFI (295M) vs JCAP (1.44B). JCAP (635M) and OPFI (609M) have equivalent revenues.
JCAPOPFIJCAP / OPFI
Capitalization1.28B595M215%
EBITDA207M395M52%
Gain YTD2.444-33.270-7%
P/E Ratio4.202.32181%
Revenue635M609M104%
Total Cash26.2M63.9M41%
Total Debt1.44B295M487%
FUNDAMENTALS RATINGS
JCAP: Fundamental Ratings
JCAP
OUTLOOK RATING
1..100
50
VALUATION
overvalued / fair valued / undervalued
1..100
16
Undervalued
PROFIT vs RISK RATING
1..100
61
SMR RATING
1..100
25
PRICE GROWTH RATING
1..100
41
P/E GROWTH RATING
1..100
95
SEASONALITY SCORE
1..100
50

Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.

TECHNICAL ANALYSIS
Technical Analysis
JCAPOPFI
RSI
ODDS (%)
Bearish Trend 3 days ago
80%
Bullish Trend 3 days ago
90%
Stochastic
ODDS (%)
Bearish Trend 3 days ago
46%
Bullish Trend 3 days ago
85%
Momentum
ODDS (%)
N/A
Bearish Trend 3 days ago
80%
MACD
ODDS (%)
N/A
Bearish Trend 3 days ago
85%
TrendWeek
ODDS (%)
Bearish Trend 3 days ago
70%
Bearish Trend 3 days ago
84%
TrendMonth
ODDS (%)
Bullish Trend 3 days ago
68%
Bearish Trend 3 days ago
82%
Advances
ODDS (%)
Bullish Trend 10 days ago
81%
Bullish Trend 10 days ago
85%
Declines
ODDS (%)
Bearish Trend 3 days ago
67%
Bearish Trend 3 days ago
80%
BollingerBands
ODDS (%)
Bearish Trend 3 days ago
69%
Bullish Trend 3 days ago
90%
Aroon
ODDS (%)
Bullish Trend 3 days ago
79%
Bearish Trend 3 days ago
77%
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JCAP
Daily Signal:
Gain/Loss:
OPFI
Daily Signal:
Gain/Loss:
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JCAP and

Correlation & Price change

A.I.dvisor indicates that over the last year, JCAP has been loosely correlated with PRAA. These tickers have moved in lockstep 45% of the time. This A.I.-generated data suggests there is some statistical probability that if JCAP jumps, then PRAA could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To JCAP
1D Price
Change %
JCAP100%
-0.22%
PRAA - JCAP
45%
Loosely correlated
+5.10%
ECPG - JCAP
40%
Loosely correlated
+3.13%
RM - JCAP
36%
Loosely correlated
+2.34%
ATLC - JCAP
36%
Loosely correlated
+2.59%
OPFI - JCAP
35%
Loosely correlated
-2.51%
More

OPFI and

Correlation & Price change

A.I.dvisor indicates that over the last year, OPFI has been loosely correlated with ATLC. These tickers have moved in lockstep 39% of the time. This A.I.-generated data suggests there is some statistical probability that if OPFI jumps, then ATLC could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To OPFI
1D Price
Change %
OPFI100%
-2.51%
ATLC - OPFI
39%
Loosely correlated
+2.59%
COIN - OPFI
38%
Loosely correlated
+8.20%
ENVA - OPFI
38%
Loosely correlated
+2.33%
URI - OPFI
38%
Loosely correlated
+0.30%
OPRT - OPFI
37%
Loosely correlated
+2.32%
More