OppFi Statistics
Total Valuation
OppFi has a market cap or net worth of $646.95 million. The enterprise value is $931.13 million.
Important Dates
The last earnings date was Wednesday, March 11, 2026, before market open.
| Earnings Date | Mar 11, 2026 |
| Ex-Dividend Date | Apr 8, 2025 |
Share Statistics
OppFi has 85.12 million shares outstanding. The number of shares has increased by 31.57% in one year.
| Current Share Class | 26.44M |
| Shares Outstanding | 85.12M |
| Shares Change (YoY) | +31.57% |
| Shares Change (QoQ) | -1.24% |
| Owned by Insiders (%) | 5.30% |
| Owned by Institutions (%) | 83.18% |
| Float | 22.71M |
Valuation Ratios
The trailing PE ratio is 7.67 and the forward PE ratio is 4.26.
| PE Ratio | 7.67 |
| Forward PE | 4.26 |
| PS Ratio | 1.90 |
| Forward PS | 0.96 |
| PB Ratio | 3.55 |
| P/TBV Ratio | 11.08 |
| P/FCF Ratio | 1.69 |
| P/OCF Ratio | 1.61 |
| PEG Ratio | n/a |
Financial Ratio HistoryEnterprise Valuation
| EV / Earnings | 35.37 |
| EV / Sales | 2.72 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 2.44 |
Financial Position
The company has a current ratio of 5.71, with a Debt / Equity ratio of 1.08.
| Current Ratio | 5.71 |
| Quick Ratio | 5.31 |
| Debt / Equity | 1.08 |
| Debt / EBITDA | n/a |
| Debt / FCF | 0.87 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 53.86% and return on invested capital (ROIC) is 24.75%.
| Return on Equity (ROE) | 53.86% |
| Return on Assets (ROA) | 20.96% |
| Return on Invested Capital (ROIC) | 24.75% |
| Return on Capital Employed (ROCE) | n/a |
| Weighted Average Cost of Capital (WACC) | 9.22% |
| Revenue Per Employee | $833,695 |
| Profits Per Employee | $64,217 |
| Employee Count | 410 |
| Asset Turnover | 0.49 |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, OppFi has paid $9.89 million in taxes.
| Income Tax | 9.89M |
| Effective Tax Rate | 6.33% |
Stock Price Statistics
The stock price has decreased by -19.98% in the last 52 weeks. The beta is 1.76, so OppFi's price volatility has been higher than the market average.
| Beta (5Y) | 1.76 |
| 52-Week Price Change | -19.98% |
| 50-Day Moving Average | 8.97 |
| 200-Day Moving Average | 10.39 |
| Relative Strength Index (RSI) | 28.91 |
| Average Volume (20 Days) | 497,945 |
Short Selling Information
The latest short interest is 3.45 million, so 4.05% of the outstanding shares have been sold short.
| Short Interest | 3.45M |
| Short Previous Month | 3.80M |
| Short % of Shares Out | 4.05% |
| Short % of Float | 15.17% |
| Short Ratio (days to cover) | 6.80 |
Income Statement
In the last 12 months, OppFi had revenue of $341.82 million and earned $26.33 million in profits. Earnings per share was $0.99.
| Revenue | 341.82M |
| Gross Profit | 341.82M |
| Operating Income | 165.38M |
| Pretax Income | 156.13M |
| Net Income | 26.33M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $0.99 |
Full Income StatementBalance Sheet
The company has $49.45 million in cash and $332.78 million in debt, with a net cash position of -$283.33 million or -$3.33 per share.
| Cash & Cash Equivalents | 49.45M |
| Total Debt | 332.78M |
| Net Cash | -283.33M |
| Net Cash Per Share | -$3.33 |
| Equity (Book Value) | 308.88M |
| Book Value Per Share | 2.14 |
| Working Capital | 527.42M |
Full Balance SheetCash Flow
In the last 12 months, operating cash flow was $401.31 million and capital expenditures -$19.11 million, giving a free cash flow of $382.19 million.
| Operating Cash Flow | 401.31M |
| Capital Expenditures | -19.11M |
| Depreciation & Amortization | 459,000 |
| Net Borrowing | 2.53M |
| Free Cash Flow | 382.19M |
| FCF Per Share | $4.49 |
Full Cash Flow StatementMargins
Gross margin is 100.00%, with operating and profit margins of 48.38% and 7.70%.
| Gross Margin | 100.00% |
| Operating Margin | 48.38% |
| Pretax Margin | 45.68% |
| Profit Margin | 7.70% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 111.81% |
Dividends & Yields
This stock pays an annual dividend of $0.25, which amounts to a dividend yield of 3.29%.
| Dividend Per Share | $0.25 |
| Dividend Yield | 3.29% |
| Dividend Growth (YoY) | n/a |
| Years of Dividend Growth | 2 |
| Payout Ratio | 25.25% |
| Buyback Yield | -31.57% |
| Shareholder Yield | -28.29% |
| Earnings Yield | 4.06% |
| FCF Yield | 59.00% |
Dividend DetailsAnalyst Forecast
The average price target for OppFi is $13.50, which is 77.63% higher than the current price. The consensus rating is "Buy".
| Price Target | $13.50 |
| Price Target Difference | 77.63% |
| Analyst Consensus | Buy |
| Analyst Count | 1 |
| Revenue Growth Forecast (5Y) | n/a |
| EPS Growth Forecast (5Y) | n/a |
Stock ForecastsFair Value
There are several formulas that can be used to estimate the intrinsic value of a stock.
| Lynch Fair Value | |
| Lynch Upside | |
| Graham Number | |
| Graham Upside | |
Stock Splits
This stock does not have any record of stock splits.
| Last Split Date | n/a |
| Split Type | n/a |
| Split Ratio | n/a |
Scores
| Altman Z-Score | n/a |
| Piotroski F-Score | 6 |
