do you believe, page-1174

I'll side with Gavsy and argue the business models are different.
OPY will move into healthcare, auto, home improvement etc. Larger ticket items over longer time as opposed to APT involved in higher number of small retail purchases. That said, it does expose OPY to larger bad debts over time. However, the current P/E ratios speak for themselves.
I wouldn't touch APT at current prices, but OPY is buzzing below the clouds and is more attractive value-wise. If you missed the Covid crash on APT, OPY does present some opportunity.
I do see your point though.
Time will tell.