OppFi Statistics
Total Valuation
OppFi has a market cap or net worth of $810.08 million. The enterprise value is $1.10 billion.
Important Dates
The last earnings date was Wednesday, October 29, 2025, before market open.
| Earnings Date | Oct 29, 2025 |
| Ex-Dividend Date | Apr 8, 2025 |
Share Statistics
OppFi has 86.36 million shares outstanding. The number of shares has increased by 26.83% in one year.
| Current Share Class | 27.66M |
| Shares Outstanding | 86.36M |
| Shares Change (YoY) | +26.83% |
| Shares Change (QoQ) | +231.59% |
| Owned by Insiders (%) | 5.79% |
| Owned by Institutions (%) | 73.77% |
| Float | 23.73M |
Valuation Ratios
The trailing PE ratio is 68.37 and the forward PE ratio is 5.81.
| PE Ratio | 68.37 |
| Forward PE | 5.81 |
| PS Ratio | 0.70 |
| Forward PS | 1.22 |
| PB Ratio | 5.30 |
| P/TBV Ratio | 16.39 |
| P/FCF Ratio | 2.25 |
| P/OCF Ratio | 2.14 |
| PEG Ratio | n/a |
Financial Ratio HistoryEnterprise Valuation
| EV / Earnings | 283.27 |
| EV / Sales | 3.27 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 3.05 |
Financial Position
The company has a current ratio of 18.98, with a Debt / Equity ratio of 1.20.
| Current Ratio | 18.98 |
| Quick Ratio | 18.07 |
| Debt / Equity | 1.20 |
| Debt / EBITDA | n/a |
| Debt / FCF | 0.92 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 48.95%.
| Return on Equity (ROE) | 48.95% |
| Return on Assets (ROA) | 18.18% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Revenue Per Employee | $753,760 |
| Profits Per Employee | $8,706 |
| Employee Count | 445 |
| Asset Turnover | 0.50 |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, OppFi has paid $9.12 million in taxes.
| Income Tax | 9.12M |
| Effective Tax Rate | 6.97% |
Stock Price Statistics
The stock price has increased by +43.65% in the last 52 weeks. The beta is 1.71, so OppFi's price volatility has been higher than the market average.
| Beta (5Y) | 1.71 |
| 52-Week Price Change | +43.65% |
| 50-Day Moving Average | 10.41 |
| 200-Day Moving Average | 10.99 |
| Relative Strength Index (RSI) | 42.21 |
| Average Volume (20 Days) | 807,766 |
Short Selling Information
The latest short interest is 4.93 million, so 5.71% of the outstanding shares have been sold short.
| Short Interest | 4.93M |
| Short Previous Month | 5.18M |
| Short % of Shares Out | 5.71% |
| Short % of Float | 20.79% |
| Short Ratio (days to cover) | 5.67 |
Income Statement
In the last 12 months, OppFi had revenue of $335.42 million and earned $3.87 million in profits. Earnings per share was $0.14.
| Revenue | 335.42M |
| Gross Profit | 335.42M |
| Operating Income | 159.16M |
| Pretax Income | 130.90M |
| Net Income | 3.87M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $0.14 |
Full Income StatementBalance Sheet
The company has $45.45 million in cash and $332.76 million in debt, giving a net cash position of -$287.31 million or -$3.33 per share.
| Cash & Cash Equivalents | 45.45M |
| Total Debt | 332.76M |
| Net Cash | -287.31M |
| Net Cash Per Share | -$3.33 |
| Equity (Book Value) | 277.25M |
| Book Value Per Share | 1.77 |
| Working Capital | 584.59M |
Full Balance SheetCash Flow
In the last 12 months, operating cash flow was $378.99 million and capital expenditures -$18.62 million, giving a free cash flow of $360.37 million.
| Operating Cash Flow | 378.99M |
| Capital Expenditures | -18.62M |
| Free Cash Flow | 360.37M |
| FCF Per Share | $4.17 |
Full Cash Flow StatementMargins
Gross margin is 100.00%, with operating and profit margins of 47.45% and 1.15%.
| Gross Margin | 100.00% |
| Operating Margin | 47.45% |
| Pretax Margin | 39.02% |
| Profit Margin | 1.15% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 107.44% |
Dividends & Yields
This stock pays an annual dividend of $0.25, which amounts to a dividend yield of 2.67%.
| Dividend Per Share | $0.25 |
| Dividend Yield | 2.67% |
| Dividend Growth (YoY) | n/a |
| Years of Dividend Growth | 1 |
| Payout Ratio | 182.23% |
| Buyback Yield | -26.83% |
| Shareholder Yield | -24.17% |
| Earnings Yield | 0.48% |
| FCF Yield | 44.49% |
Dividend DetailsAnalyst Forecast
The average price target for OppFi is $11.75, which is 25.27% higher than the current price. The consensus rating is "Buy".
| Price Target | $11.75 |
| Price Target Difference | 25.27% |
| Analyst Consensus | Buy |
| Analyst Count | 2 |
| 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 |
