OppFi Statistics
Total Valuation
OppFi has a market cap or net worth of $756.58 million. The enterprise value is $987.91 million.
Important Dates
The last earnings date was Thursday, May 7, 2026, before market open.
| Earnings Date | May 7, 2026 |
| Ex-Dividend Date | Apr 8, 2025 |
Share Statistics
OppFi has 85.39 million shares outstanding. The number of shares has increased by 98.11% in one year.
| Current Share Class | 85.39M |
| Shares Outstanding | 85.39M |
| Shares Change (YoY) | +98.11% |
| Shares Change (QoQ) | -1.09% |
| Owned by Insiders (%) | 7.15% |
| Owned by Institutions (%) | 27.59% |
| Float | 52.68M |
Valuation Ratios
The trailing PE ratio is 4.37 and the forward PE ratio is 4.80.
| PE Ratio | 4.37 |
| Forward PE | 4.80 |
| PS Ratio | 2.22 |
| Forward PS | 1.09 |
| PB Ratio | 3.10 |
| P/TBV Ratio | 10.00 |
| P/FCF Ratio | 1.95 |
| P/OCF Ratio | 1.85 |
| PEG Ratio | n/a |
Financial Ratio HistoryEnterprise Valuation
| EV / Earnings | 14.95 |
| EV / Sales | 2.91 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 2.54 |
Financial Position
The company has a current ratio of 6.16, with a Debt / Equity ratio of 0.86.
| Current Ratio | 6.16 |
| Quick Ratio | 5.79 |
| Debt / Equity | 0.86 |
| Debt / EBITDA | n/a |
| Debt / FCF | 0.76 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 62.06% and return on invested capital (ROIC) is 23.16%.
| Return on Equity (ROE) | 62.06% |
| Return on Assets (ROA) | 26.45% |
| Return on Invested Capital (ROIC) | 23.16% |
| Return on Capital Employed (ROCE) | n/a |
| Weighted Average Cost of Capital (WACC) | 10.46% |
| Revenue Per Employee | $829,366 |
| Profits Per Employee | $161,224 |
| Employee Count | 410 |
| Asset Turnover | 0.50 |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, OppFi has paid $12.21 million in taxes.
| Income Tax | 12.21M |
| Effective Tax Rate | 6.35% |
Stock Price Statistics
The stock price has decreased by -27.14% in the last 52 weeks. The beta is 1.87, so OppFi's price volatility has been higher than the market average.
| Beta (5Y) | 1.87 |
| 52-Week Price Change | -27.14% |
| 50-Day Moving Average | 8.60 |
| 200-Day Moving Average | 9.77 |
| Relative Strength Index (RSI) | 46.37 |
| Average Volume (20 Days) | 657,050 |
Short Selling Information
The latest short interest is 2.94 million, so 3.45% of the outstanding shares have been sold short.
| Short Interest | 2.94M |
| Short Previous Month | 3.45M |
| Short % of Shares Out | 3.45% |
| Short % of Float | 5.59% |
| Short Ratio (days to cover) | 7.29 |
Income Statement
In the last 12 months, OppFi had revenue of $340.04 million and earned $66.10 million in profits. Earnings per share was $2.03.
| Revenue | 340.04M |
| Gross Profit | 340.04M |
| Operating Income | 158.25M |
| Pretax Income | 192.10M |
| Net Income | 66.10M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $2.03 |
Full Income StatementBalance Sheet
The company has $63.87 million in cash and $295.19 million in debt, with a net cash position of -$231.32 million or -$2.71 per share.
| Cash & Cash Equivalents | 63.87M |
| Total Debt | 295.19M |
| Net Cash | -231.32M |
| Net Cash Per Share | -$2.71 |
| Equity (Book Value) | 342.98M |
| Book Value Per Share | 2.86 |
| Working Capital | 504.68M |
Full Balance SheetCash Flow
In the last 12 months, operating cash flow was $408.34 million and capital expenditures -$19.87 million, giving a free cash flow of $388.47 million.
| Operating Cash Flow | 408.34M |
| Capital Expenditures | -19.87M |
| Depreciation & Amortization | 390,000 |
| Net Borrowing | -3.74M |
| Free Cash Flow | 388.47M |
| FCF Per Share | $4.55 |
Full Cash Flow StatementMargins
Gross margin is 100.00%, with operating and profit margins of 46.54% and 19.44%.
| Gross Margin | 100.00% |
| Operating Margin | 46.54% |
| Pretax Margin | 56.49% |
| Profit Margin | 19.44% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 114.24% |
Dividends & Yields
This stock pays an annual dividend of $0.25, which amounts to a dividend yield of 2.82%.
| Dividend Per Share | $0.25 |
| Dividend Yield | 2.82% |
| Dividend Growth (YoY) | n/a |
| Years of Dividend Growth | 2 |
| Payout Ratio | 12.32% |
| Buyback Yield | -98.11% |
| Shareholder Yield | -95.29% |
| Earnings Yield | 8.74% |
| FCF Yield | 51.35% |
Dividend DetailsAnalyst Forecast
The average price target for OppFi is $13.00, which is 46.73% higher than the current price. The consensus rating is "Buy".
| Price Target | $13.00 |
| Price Target Difference | 46.73% |
| 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 | 5 |
