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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.

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%	Активно покупать
AIG	American International Group Inc.	41.7B	14.7x	1.6x	7.7%	-9.6%	+2.8%	Активно покупать
AIZ	Assurant, Inc.	14.1B	13.6x	1.0x	14.4%	+6.6%	+36.2%	Держать

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

Metric

Value

Amount currency

USD

CIK code

0001818502

Company name

OppFi Inc.

Country

United States

Country code

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

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

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

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

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%

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

Profitable years

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%

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

Metric

Value

EPS growth (QoQ)

-67.73%

EPS growth 5Y

50.34%

EPS growth quarters

EPS growth years

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

Net income growth years

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

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

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

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%

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

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%

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

Metric

Value

Asset turnover

0.45

Current ratio

12.92

Quick ratio

12.32

Working capital

$542.6M

Working capital turnover

0.6

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

Metric

Value

Buyback yield / dilution

-147.72%

Dividend per share

$0.00

Dividend yield

Last dividend

$0.25

Shareholder yield

-147.72%

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%

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%

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

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

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