OppFi Inc. (OPFI)

NYSE: OPFI · USD

$5.57

+0.12 (+2.2%)· Recorded snapshot

Market cap	474.6M
Revenue (ttm)	327.5M
Net income (ttm)	101.7M
EPS (ttm)	$2.14
Shares out	85.2M
P/E (trailing)	2.6x
P/E (forward)	3.2x
Volume	1,320,174
Beta	1.80

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 327.5M
Net income (ttm): 101.7M
EPS (ttm): $2.14
P/E (trailing): 2.6x
P/E (forward): 3.2x
Market cap: 474.6M

Ticker	Name	Market cap	P/E	P/S	ROIC	5Y rev CAGR	1Y total return	Rating
ACGL	Arch Capital Group Ltd.	34.8B	8.3x	1.8x	15.9%	+15.1%	+18.7%	شراء قوي
AIG	American International Group Inc.	41.7B	14.7x	1.6x	7.7%	-9.6%	+2.8%	شراء قوي
AIZ	Assurant, Inc.	14.1B	13.6x	1.0x	14.4%	+6.6%	+36.2%	احتفاظ

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector percentile context

Refreshed 2026-10-28 19:55 UTC

Forward P/E3.2

P25 8.7P50 10.4P75 12.8

Trailing P/E2.6

P25 10.7P50 13.5P75 31.8

ROE58.2

P25 4.9P50 11P75 15.4

ROIC18.5

P25 -0.7P50 6.7P75 12.6

Benchmarks · 1M

All OPFI indicators

Market & fundamental data

Available fields

237

Groups with data

Currency

USD

Showing 237 of 237 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Amount currency	USD
CIK code	0001818502
Company name	OppFi Inc.
Country	United States
Country code	US
CUSIP number	68386H103
Earnings date	2026-10-28
Earnings time	bmo
Employees	410
Employees change	-35
Employees growth	-7.87%
Enterprise value	$697.1M
Exchange	NYSE
Financial currency	USD
Financial report date	2026-06-30
First seen	2026-05-09
Fiscal year end	December
Founded	2009
In index	RUSSELL2000
Industry	Credit Services
Is primary listing	Yes
Is SPAC	No
ISIN number	US68386H1032
Last 10-K release date	2026-03-12
Last earnings date	2026-10-28
Last refreshed	2026-10-28
Last stock split type	Never
Market cap	$474.6M
Market cap category	Small-Cap
Next earnings date	2027-03-10
Options	Yes
Price	$5.57
Price currency	USD
Sector	Financials
SIC code	6199
Stock price date	2026-10-28
Symbol	OPFI
U.S. state	Illinois
Website	https://www.oppfi.com

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Adjusted P/E ratio	3.87x
Average P/E ratio (3Y)	19.01x
Average P/E ratio (5Y)	12.75x
Earnings yield	38.36%
EV/Earnings	7.02x
EV/FCF	1.86x
EV/Sales	2.18x
FCF / EV yield	53.89%
FCF yield	78.29%
Forward EV/Sales	1.11x
Forward P/E	3.16x
Forward P/S	0.76x
Graham number	15.27966
Graham upside	164.81%
Industry forward P/E	19.57x
Industry P/E	22.74x
Lynch fair value	$50.07
Lynch upside	767.82%
P/(FCF - SBC) ratio	1.31x
P/(OCF - SBC) ratio	1.24x
P/B ratio	1.12x
P/E ratio	2.61x
P/FCF ratio	1.28x
P/OCF ratio	1.21x
P/S ratio	1.5x
Price / tangible book value	1.19x
Sector forward P/E	13.61x
Sector P/E	15.65x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
Effective tax rate	10.17%
FCF margin	117.54%
Gross margin	100%
Operating margin	42.08%
Pretax margin	62.55%
Profit margin	31.06%
Profit per employee	$248,107
Profitable quarters	4
Profitable years	2
Revenue per employee	$798,729
ROA	25.49%
ROA (5Y)	12.91%
ROE	58.24%
ROE (5Y)	37.46%
ROIC	18.49%
ROIC (5Y)	13.23%
SBC / revenue	2.56%
Tax / revenue	6.36%

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
EPS growth (QoQ)	-67.73%
EPS growth 5Y	50.34%
EPS growth quarters	4
EPS growth years	2
FCF growth	15.2%
FCF growth (Q)	-3.92%
FCF growth (QoQ)	2.07%
FCF growth 3Y	12.81%
FCF growth 5Y	18.26%
Net income growth (QoQ)	-47.74%
Net income growth 3Y	173.78%
Net income growth 5Y	23.44%
Net income growth quarters	4
Net income growth years	2
OCF growth	15.18%
OCF growth (Q)	-3.75%
OCF growth (QoQ)	1.38%
OCF growth 3Y	13.19%
OCF growth 5Y	17.85%
Operating income growth	-6.36%
Operating income growth (Q)	-45.65%
Operating income growth 3Y	122.36%
Operating income growth 5Y	10.94%
Revenue growth	2.07%
Revenue growth (Q)	-13.86%
Revenue growth (QoQ)	-0.94%
Revenue growth 3Y	19.82%
Revenue growth 5Y	8.09%
Revenue growth years	3

Financial statements

Income-statement and cash-flow amounts, totals and per share.

Metric	Value
Capital expenditures	$-19.9M
Depreciation and amortization	$397,000
EPS	$2.14
FCF per share	$4.52
Financing cash flow	$-120.5M
Free cash flow	$384.9M
Free cash flow minus SBC	$376.5M
Gross profit	$327.5M
Income taxes	$20.8M
Investing cash flow	$-270.7M
Net borrowing	$-29.4M
Net cash flow	$13.6M
Net income	$101.7M
Operating cash flow minus SBC	$396.4M
Operating income	$137.8M
Revenue	$327.5M
Stock-based compensation	$8.4M

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Book value per share	$4.86
Debt / equity	0.69
Debt / FCF	0.75
Net cash (debt)	$-222.5M
Net cash / market cap	-45.26%
Net debt / equity	0.54
Net debt / FCF	0.58
Piotroski F-Score	5
Property, plant and equipment	$43.3M
Shareholders' equity	$414.3M
Tangible book value	$414.3M
Tangible book value per share	$4.86
Total assets	$770.7M
Total cash	$64.3M
Total debt	$286.9M
Total liabilities	$356.5M
WACC	8.93%

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Asset turnover	0.45
Current ratio	12.92
Quick ratio	12.32
Working capital	$542.6M
Working capital turnover	0.6

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback yield / dilution	-147.72%
Dividend per share	$0.00
Dividend yield	0%
Last dividend	$0.25
Shareholder yield	-147.72%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
150-day SMA	$7.98
1D price change	2.2%
1M price change	-11.31%
1M total return	-11.31%
1W price change	-1.07%
1W total return	-1.07%
1Y price change	-44.58%
1Y return CAGR	-44.6%
1Y total return	-44.58%
20-day SMA	$5.78
200-day SMA	$8.27
3M price change	-40.87%
3M total return	-40.87%
3Y price change	148.66%
3Y return CAGR	38.81%
3Y total return	167.51%
50-day SMA	$6.49
50-day SMA vs 200-day SMA	50under200
52-week high	$11.69
52-week high date	2025-12-22
52-week low	$5.36
52-week low date	2026-10-26
5Y price change	-10.74%
5Y return CAGR	-0.81%
5Y total return	-3.97%
6M price change	-37.35%
6M total return	-37.35%
All-time high	$17.73
All-time high date	2025-02-07
All-time low	$1.70
All-time low date	2023-03-17
Average true range (ATR)	$0.23
Average volume	596.8K
Beta (1Y)	1.27
Beta (2Y)	1.59
Beta (5Y)	1.8
Change from 52-week high	-52.35%
Change from 52-week low	3.92%
Change from all-time high	-68.58%
Change from all-time low	227.65%
Change from open	-2.96%
Day's gap	5.32%
Dollar volume	$7.4M
High price	$5.84
Low price	$5.45
Monthly RSI	41.77
Open price	$5.74
Position in 52-week range	30.77%
Premarket change	4.57%
Premarket close	$5.45
Premarket price	$5.70
Premarket volume	2.7K
Previous close	$5.45
Price vs 150-day SMA	-30.24%
Price vs 20-day SMA	-3.58%
Price vs 200-day SMA	-32.62%
Price vs 50-day SMA	-14.12%
Relative volume	2.21
RSI	36.29
Sharpe ratio	-1.05
Sharpe ratio (3Y)	0.74
Sharpe ratio (5Y)	0.22
Sortino ratio	-1.18
Sortino ratio (3Y)	1.22
Sortino ratio (5Y)	0.41
Volume	1.3M
Weekly RSI	32.04
YTD price change	-46.75%
YTD total return	-46.75%

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	33.4M
Float percentage	39.25%
Shares change (QoQ)	-0.18%
Shares change (YoY)	147.72%
Shares held by insiders	7.36%
Shares held by institutions	29.05%
Shares outstanding	85.2M
Short % of float	12.9%
Short % of shares	5.07%
Short ratio	4.7 days

Deeper analysis on OPFI

14 sections in the full report · jump straight to what you need

Forecast

Base and Bull forecast paths with report-date return framing.

→

Valuation

Fair-value bridge, DCF, owner earnings, and peer multiples.

→

Sensitivity

Cost-of-equity and terminal-growth stress table.

→

Risks

Kill scenarios, soft-pass flags, and downside catalysts.

→

Earnings

Next earnings setup and beat / inline / miss thresholds.

→

Position sizing

Entry, exit, conviction, and quarterly monitoring rules.

→

Financials

Revenue, margins, cash flow, and balance-sheet context.

→

Peers

Relative valuation and profitability against the cohort.

→

Moat

Economic-profit evidence and competitive advantage risk.

→

Industry cycle

Sector phase, capital cycle, and secular tailwinds.

→

Frequently asked questions

About this OPFI report

Is a complete OPFI research report available?

No complete published report is available for OppFi Inc. (OPFI) on this page. Market-directory data, when present, is not a substitute for a validated stock analysis.

OppFi Inc. (OPFI)

Price

Financial snapshot

Fair-value bridge

Latest news · OPFI

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All OPFI indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Deeper analysis on OPFI

Frequently asked questions