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    • OppFi Inc. logo

    OppFi Inc.

    OPFI | NYSE
    Chart Builder DCF Calculator
    $6.45
    -$0.08 (-1.23%)
    At close: Sep 21, 2026, 4:00 PM ET
    $6.45
    $0 (0.00%)
    After-hours: Sep 21, 2026, 7:59 PM ET
    Overview Rating Statistics Financials Earnings Analysts Ownership Profile

    Market Data

    Market Cap
    $557.62M
    Enterprise Value
    $780.03M
    Beta
    1.78
    Average Volume
    832.35K
    Shares Outstanding (Diluted)
    86.04M
    Shares Change YoY
    223.33%
    Institutional Ownership
    73.62%
    Exchange
    NYSE
    ISIN
    US68386H1032

    Price Performance

    Price Change 1M
    -9.7%
    Price Change 3M
    -26.4%
    Price Change 6M
    -18.5%
    Price Change YTD
    -37.4%
    Price Change 1Y
    -44.5%
    Price Change 3Y
    154.9%
    Price Change 5Y
    -20.9%
    1M CAGR (ann.)
    -33.1%
    1Y CAGR (ann.)
    -44.3%
    5Y CAGR (ann.)
    -6.0%
    All-Time CAGR
    -5.6%

    Valuation

    PE Ratio
    2.92
    Forward PE
    10.93
    PEG Ratio
    0.00
    Forward PEG
    0.05
    PS Ratio
    1.00
    Forward PS
    0.80
    PB Ratio
    1.33
    P/FCF Ratio
    1.40
    P/Adj. FCF Ratio
    1.45
    P/OCF Ratio
    1.06
    EV/Sales
    1.41
    EV/EBIT
    6.69
    EV/EBITDA
    6.47
    EV/FCF
    1.98
    Earnings Yield
    34.3%
    FCF Yield
    71.6%
    Adj. FCF Yield
    69.2%

    Financial Health

    Net Debt
    $220.1M
    Total Debt
    $293.59M
    Cash & Short-Term Investments
    $64.35M
    Total Assets
    $770.73M
    Current Ratio
    57.15
    Quick Ratio
    57.15
    Debt / Equity Ratio
    0.71
    Debt / EBITDA
    2.43
    Debt / FCF
    0.74
    OCF / Debt
    1.40
    Interest Coverage
    5.64
    Altman Z-Score
    2.27
    Piotroski F-Score
    7

    Margins & Profitability

    Gross Profit Margin
    101.3%
    Operating Profit Margin
    36.9%
    EBITDA Margin
    19.7%
    Net Profit Margin
    16.6%
    FCF Margin
    71.4%
    Adj. FCF Margin
    69.0%
    SBC / Revenue
    2.2%
    SBC Impact (per share)
    -3.4%

    Returns

    Return on Assets
    13.2%
    Return on Equity
    68.1%
    Return on Invested Capital
    87.1%
    Return on Capital Employed
    26.5%
    Return on Tangible Assets
    13.2%

    Historical Growth (CAGR)

    Revenue CAGR 3Y
    4.3%
    Revenue CAGR 5Y
    11.7%
    Revenue CAGR 10Y
    N/A
    EPS CAGR 3Y
    202.3%
    EPS CAGR 5Y
    -18.1%
    EPS CAGR 10Y
    N/A
    FCF CAGR 3Y
    13.7%
    FCF CAGR 5Y
    18.8%
    FCF CAGR 10Y
    N/A

    Analyst Forecasts

    Analyst Rating
    Buy
    Analyst Count
    6
    EPS Growth Next 3Y
    N/A
    Revenue Growth Next 3Y
    N/A
    Earnings Date
    Nov 3, 2026
    EPS Estimate (next Q)
    $0.35
    EPS Growth Est (next Q)
    -23.9%
    Revenue Est (next Q)
    $152.95M
    Revenue Growth Est (next Q)
    -1.4%

    Fair Value Estimates

    Graham Number
    $17.47
    Graham Upside
    170.8%
    Lynch Fair Value
    $11.05
    Lynch Upside
    71.3%
    Price Target
    $10.25
    Price Target Upside
    58.9%

    Cash Flow

    Operating Cash Flow
    $409.67M
    Free Cash Flow
    $394.44M
    Adj. Free Cash Flow
    $380.97M
    FCF Per Share
    $5.77
    OCF Per Share
    $6.07
    OCF/S Ratio
    67.0%

    Income Statement

    Revenue
    $552.39M
    Gross Profit
    $551.02M
    Operating Income
    $203.8M
    EBITDA
    $120.64M
    Net Income
    $101.72M
    EPS (Diluted)
    $2.21
    Revenue / Employee
    $1.35M
    Profit / Employee
    $248.11K
    Employees
    410

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