OppFi Statistics
Total Valuation
OppFi has a market cap or net worth of $503.29 million. The enterprise value is $760.16 million.
| Market Cap | 503.29M |
| Enterprise Value | 760.16M |
Important Dates
The last earnings date was Wednesday, October 28, 2026, before market open.
| Earnings Date | Oct 28, 2026 |
| Ex-Dividend Date | n/a |
Share Statistics
OppFi has 84.73 million shares outstanding. The number of shares has increased by 185.46% in one year.
| Current Share Class | 84.73M |
| Shares Outstanding | 84.73M |
| Shares Change (YoY) | +185.46% |
| Shares Change (QoQ) | -0.54% |
| Owned by Insiders (%) | 7.40% |
| Owned by Institutions (%) | 30.38% |
| Float | 32.97M |
Valuation Ratios
The trailing PE ratio is 3.70 and the forward PE ratio is 4.04.
| PE Ratio | 3.70 |
| Forward PE | 4.04 |
| PS Ratio | 1.59 |
| Forward PS | 0.79 |
| PB Ratio | 1.13 |
| P/TBV Ratio | 1.14 |
| P/FCF Ratio | 1.37 |
| P/OCF Ratio | 1.31 |
| PEG Ratio | n/a |
Enterprise Valuation
| EV / Earnings | 8.04 |
| EV / Sales | 2.40 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 2.07 |
Financial Position
The company has a current ratio of 17.33, with a Debt / Equity ratio of 0.81.
| Current Ratio | 17.33 |
| Quick Ratio | 16.33 |
| Debt / Equity | 0.81 |
| Debt / EBITDA | n/a |
| Debt / FCF | 0.98 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 39.57% and return on invested capital (ROIC) is 14.61%.
| Return on Equity (ROE) | 39.57% |
| Return on Assets (ROA) | 18.24% |
| Return on Invested Capital (ROIC) | 14.61% |
| Return on Capital Employed (ROCE) | n/a |
| Weighted Average Cost of Capital (WACC) | 8.67% |
| Revenue Per Employee | $773,405 |
| Profits Per Employee | $230,654 |
| Employee Count | 410 |
| Asset Turnover | 0.41 |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, OppFi has paid $21.45 million in taxes.
| Income Tax | 21.45M |
| Effective Tax Rate | 13.07% |
Stock Price Statistics
The stock price has decreased by -39.63% in the last 52 weeks. The beta is 1.93, so OppFi's price volatility has been higher than the market average.
| Beta (5Y) | 1.93 |
| 52-Week Price Change | -39.63% |
| 50-Day Moving Average | 6.22 |
| 200-Day Moving Average | 8.03 |
| Relative Strength Index (RSI) | 48.50 |
| Average Volume (20 Days) | 944,496 |
Short Selling Information
The latest short interest is 4.56 million, so 5.38% of the outstanding shares have been sold short.
| Short Interest | 4.56M |
| Short Previous Month | 4.32M |
| Short % of Shares Out | 5.38% |
| Short % of Float | 13.83% |
| Short Ratio (days to cover) | 6.28 |
Income Statement
In the last 12 months, OppFi had revenue of $317.10 million and earned $94.57 million in profits. Earnings per share was $1.61.
| Revenue | 317.10M |
| Gross Profit | 317.10M |
| Operating Income | 126.40M |
| Pretax Income | 164.02M |
| Net Income | 94.57M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $1.61 |
Balance Sheet
The company has $102.69 million in cash and $359.55 million in debt, with a net cash position of -$256.86 million or -$3.03 per share.
| Cash & Cash Equivalents | 102.69M |
| Total Debt | 359.55M |
| Net Cash | -256.86M |
| Net Cash Per Share | -$3.03 |
| Equity (Book Value) | 443.32M |
| Book Value Per Share | 5.24 |
| Working Capital | 621.50M |
Cash Flow
In the last 12 months, operating cash flow was $384.95 million and capital expenditures -$18.45 million, giving a free cash flow of $366.50 million.
| Operating Cash Flow | 384.95M |
| Capital Expenditures | -18.45M |
| Depreciation & Amortization | 409,000 |
| Net Borrowing | 29.67M |
| Free Cash Flow | 366.50M |
| FCF Per Share | $4.33 |
Margins
Gross margin is 100.00%, with operating and profit margins of 39.86% and 29.82%.
| Gross Margin | 100.00% |
| Operating Margin | 39.86% |
| Pretax Margin | 51.73% |
| Profit Margin | 29.82% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 115.58% |
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 | n/a |
| Payout Ratio | n/a |
| FCF Payout Ratio | n/a |
| Buyback Yield | -185.46% |
| Shareholder Yield | n/a |
| Earnings Yield | 27.05% |
| FCF Yield | 72.82% |
Analyst Forecast
The average price target for OppFi is $10.53, which is 77.27% higher than the current price. The consensus rating is "Buy".
| Price Target | $10.53 |
| Price Target Difference | 77.27% |
| Analyst Consensus | Buy |
| Analyst Count | 3 |
| Revenue Growth Forecast (3Y) | 24.51% |
| EPS Growth Forecast (3Y) | 4.22% |
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 | |
| Graham Formula Value | |
| Graham Formula 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 | 4 |