OppFi Statistics
Total Valuation
OppFi has a market cap or net worth of $622.87 million. The enterprise value is $845.41 million.
| Market Cap | 622.87M |
| Enterprise Value | 845.41M |
Important Dates
The last earnings date was Monday, August 10, 2026, after market close.
| Earnings Date | Aug 10, 2026 |
| Ex-Dividend Date | n/a |
Share Statistics
OppFi has 85.21 million shares outstanding. The number of shares has increased by 147.72% in one year.
| Current Share Class | 85.21M |
| Shares Outstanding | 85.21M |
| Shares Change (YoY) | +147.72% |
| Shares Change (QoQ) | -0.18% |
| Owned by Insiders (%) | 7.35% |
| Owned by Institutions (%) | 26.35% |
| Float | 33.45M |
Valuation Ratios
The trailing PE ratio is 3.37 and the forward PE ratio is 4.56.
| PE Ratio | 3.37 |
| Forward PE | 4.56 |
| PS Ratio | 1.84 |
| Forward PS | 0.93 |
| PB Ratio | 1.46 |
| P/TBV Ratio | 1.46 |
| P/FCF Ratio | 1.57 |
| P/OCF Ratio | 1.49 |
| PEG Ratio | n/a |
Enterprise Valuation
| EV / Earnings | 8.12 |
| EV / Sales | 2.52 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 2.15 |
Financial Position
The company has a current ratio of 12.92, with a Debt / Equity ratio of 0.69.
| Current Ratio | 12.92 |
| Quick Ratio | 12.32 |
| Debt / Equity | 0.69 |
| Debt / EBITDA | n/a |
| Debt / FCF | 0.75 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 58.24% and return on invested capital (ROIC) is 18.49%.
| Return on Equity (ROE) | 58.24% |
| Return on Assets (ROA) | 25.49% |
| Return on Invested Capital (ROIC) | 18.49% |
| Return on Capital Employed (ROCE) | n/a |
| Weighted Average Cost of Capital (WACC) | 9.65% |
| Revenue Per Employee | $798,729 |
| Profits Per Employee | $248,107 |
| Employee Count | 410 |
| Asset Turnover | 0.45 |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, OppFi has paid $20.83 million in taxes.
| Income Tax | 20.83M |
| Effective Tax Rate | 10.17% |
Stock Price Statistics
The stock price has decreased by -26.79% in the last 52 weeks. The beta is 1.82, so OppFi's price volatility has been higher than the market average.
| Beta (5Y) | 1.82 |
| 52-Week Price Change | -26.79% |
| 50-Day Moving Average | 8.79 |
| 200-Day Moving Average | 9.12 |
| Relative Strength Index (RSI) | 35.21 |
| Average Volume (20 Days) | 1,104,519 |
Short Selling Information
The latest short interest is 2.40 million, so 2.82% of the outstanding shares have been sold short.
| Short Interest | 2.40M |
| Short Previous Month | 2.74M |
| Short % of Shares Out | 2.82% |
| Short % of Float | 7.19% |
| Short Ratio (days to cover) | 3.98 |
Income Statement
In the last 12 months, OppFi had revenue of $327.48 million and earned $101.72 million in profits. Earnings per share was $2.14.
| Revenue | 327.48M |
| Gross Profit | 327.48M |
| Operating Income | 137.80M |
| Pretax Income | 204.85M |
| Net Income | 101.72M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $2.14 |
Balance Sheet
The company has $64.35 million in cash and $286.88 million in debt, with a net cash position of -$222.53 million or -$2.61 per share.
| Cash & Cash Equivalents | 64.35M |
| Total Debt | 286.88M |
| Net Cash | -222.53M |
| Net Cash Per Share | -$2.61 |
| Equity (Book Value) | 414.26M |
| Book Value Per Share | 4.86 |
| Working Capital | 542.63M |
Cash Flow
In the last 12 months, operating cash flow was $404.76 million and capital expenditures -$19.86 million, giving a free cash flow of $384.90 million.
| Operating Cash Flow | 404.76M |
| Capital Expenditures | -19.86M |
| Depreciation & Amortization | 397,000 |
| Net Borrowing | -29.44M |
| Free Cash Flow | 384.90M |
| FCF Per Share | $4.52 |
Margins
Gross margin is 100.00%, with operating and profit margins of 42.08% and 31.06%.
| Gross Margin | 100.00% |
| Operating Margin | 42.08% |
| Pretax Margin | 62.55% |
| Profit Margin | 31.06% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 117.54% |
Dividends & Yields
OppFi does not appear to pay any dividends at this time.
| Dividend Per Share | n/a |
| Dividend Yield | n/a |
| Dividend Growth (YoY) | n/a |
| Years of Dividend Growth | 1 |
| Payout Ratio | n/a |
| Buyback Yield | -147.72% |
| Shareholder Yield | -147.72% |
| Earnings Yield | 16.86% |
| FCF Yield | 63.80% |
Analyst Forecast
The average price target for OppFi is $12.57, which is 71.96% higher than the current price. The consensus rating is "Buy".
| Price Target | $12.57 |
| Price Target Difference | 71.96% |
| Analyst Consensus | Buy |
| Analyst Count | 3 |
| Revenue Growth Forecast (3Y) | 39.69% |
| EPS Growth Forecast (3Y) | 18.56% |
Fair 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 | 5 |