OPFI Stock Analysis: OppFi | NYSE
Credit Services | NYSE, USA | Market Cap: 1.435m USD | 12M Return: -32.4% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 7.62M
EPS Trend: 88.5%
Qual. Beats: -1
Rev. Trend: 97.1%
Qual. Beats: 0
Warnings
Tailwinds
No distinct edge detected
Seasonality 5.6 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
OppFi Inc. (NYSE: OPFI) is a U.S.-based, tech-enabled digital finance platform founded in 2012 and headquartered in Chicago, Illinois. The company went public in late 2020 and is classified within the Financials sector, specifically the Asset Management & Custody Banks sub-industry, with a small-cap market capitalization of approximately $1.2 billion USD.
OppFi operates through its OppLoans platform, offering installment loans to consumers who are typically underserved or turned away by traditional mainstream lenders. Rather than lending directly to consumers, the company partners with banks to provide its suite of financial products and services, serving as a technology and servicing layer in the lending process.
This bank-partnership model is a common structure in the online consumer lending space, allowing fintech companies to originate loans without holding the bank charters themselves while leveraging regulatory and capital advantages of partner banks.
- Loan origination volume and credit losses drive quarterly earnings
- State rate caps and CFPB rules threaten installment loan model
- Credit card launch and prime borrower expansion diversify revenue mix
| Net Income: 66.1m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.55 > 0.02 and ΔFCF/TA 4.98 > 1.0 |
| NWC/Revenue: 1.26% < 20% (prev 89.98%; Δ -88.72% < -1%) |
| CFO/TA 0.57 > 3% & CFO 413.3m > Net Income 66.1m |
| Net Debt (247.9m) to EBITDA (174.1m): 1.42 < 3 |
| Current Ratio: 1.14 > 1.5 & < 3 |
| Outstanding Shares: last quarter (26.5m) vs 12m ago 11.88% < -2% |
| Gross Margin: error (current vs previous; cannot be calculated due to missing/invalid data or negative margin) |
| Asset Turnover: 89.51% > 50% (prev 84.19%; Δ 5.31% > 0%) |
| Interest Coverage Ratio: 4.52 > 6 (EBIT TTM 170.1m / Interest Expense TTM 37.6m) |
| A: 0.01 (Total Current Assets 63.9m - Total Current Liabilities 56.2m) / Total Assets 720.0m |
| B: -0.01 (Retained Earnings -5.18m / Total Assets 720.0m) |
| C: 0.25 (EBIT TTM 170.1m / Avg Total Assets 680.0m) |
| D: 0.20 (Book Value of Equity 75.7m / Total Liabilities 377.0m) |
| Altman-Z'' = 1.94 = BBB |
| DSRI: 0.97 (Receivables 502.6m/459.9m, Revenue 608.7m/538.9m) |
| GMI: 0.83 (GM 81.11% / 98.11%) |
| AQI: 8.67 (AQ_t 0.85 / AQ_t-1 0.10) |
| SGI: 1.13 (Revenue 608.7m / 538.9m) |
| TATA: -0.48 (NI 66.1m - CFO 413.3m) / TA 720.0m) |
| Beneish M = 1.38 (Cap -4..+1) = D |
As of July 10, 2026, the stock is trading at USD 9.26 with a total of 457,150 shares traded. Over the past week, the price has changed by -7.49%, over one month by +9.72%, over three months by +13.48% and over the past year by -32.36%.
Current recommended Stop Loss: 8.20 (which is 11.4% or 2.6 ATR below the current price).
OppFi has received a consensus analysts rating of 4.50. Therefore, it is recommended to buy OPFI.
- StrongBuy: 1
- Buy: 1
- Hold: 0
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 14 | 51.2% |
P/E Trailing = 4.9064
P/E Forward = 5.534
P/S = 4.2188
P/B = 11.2422
Revenue TTM = 608.7m USD
EBIT TTM = 170.1m USD
EBITDA TTM = 174.1m USD
Long Term Debt = 284.3m USD (from longTermDebt, last quarter)
Short Term Debt = 56.2m USD (from shortTermDebt, last quarter)
Debt = 311.8m USD (from shortLongTermDebtTotal, last quarter) + Leases 10.9m
Net Debt = 247.9m USD (calculated: Debt 311.8m - CCE 63.9m)
Enterprise Value = 1.68b USD (1.43b + Debt 311.8m - CCE 63.9m)
Interest Coverage Ratio = 4.52 (Ebit TTM 170.1m / Interest Expense TTM 37.6m)
EV/FCF = 4.28x (Enterprise Value 1.68b / FCF TTM 393.4m)
FCF Yield = 23.38% (FCF TTM 393.4m / Enterprise Value 1.68b)
FCF Margin = 64.63% (FCF TTM 393.4m / Revenue TTM 608.7m)
Net Margin = 10.86% (Net Income TTM 66.1m / Revenue TTM 608.7m)
Gross Margin = unknown ((Revenue TTM 608.7m - Cost of Revenue TTM 11.5m) / Revenue TTM)
Tobins Q-Ratio = 2.34 (Enterprise Value 1.68b / Total Assets 720.0m)
Interest Expense / Debt = 12.07% (Interest Expense 37.6m / Debt 311.8m)
Taxrate = 6.35% (12.2m / 192.1m)
NOPAT = 159.3m (EBIT 170.1m * (1 - 6.35%))
Current Ratio = 1.14 (Total Current Assets 63.9m / Total Current Liabilities 56.2m)
Debt / Equity = 4.12 (Debt 311.8m / totalStockholderEquity, last quarter 75.7m)
Debt / EBITDA = 1.42 (Net Debt 247.9m / EBITDA 174.1m)
Debt / FCF = 0.63 (Net Debt 247.9m / FCF TTM 393.4m)
Total Stockholder Equity = 49.2m (last 4 quarters mean from totalStockholderEquity)
RoA = 9.72% (Net Income 66.1m / Total Assets 720.0m)
RoE = 134.3% (Net Income TTM 66.1m / Total Stockholder Equity 49.2m)
RoCE = 51.00% (EBIT 170.1m / Capital Employed (Equity 49.2m + L.T.Debt 284.3m))
RoIC = 23.10% (NOPAT 159.3m / Invested Capital 689.6m)
WACC = 10.85% (E(1.43b)/V(1.75b) * Re(10.75%) + D(311.8m)/V(1.75b) * Rd(12.07%) * (1-Tc(0.06)))
Discount Rate = 10.75% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 79.57 | Cagr: 18.51%
[DCF] Terminal Value 70.33% ; FCFF base≈363.2m ; Y1≈416.3m ; Y5≈612.7m
[DCF] Fair Price = 71.94 (EV 6.39b - Net Debt 247.9m = Equity 6.14b / Shares 85.4m; r=10.85% [WACC]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 88.52 | EPS CAGR: 160.8% | SUE: -1.09 | # QB: -1
Revenue Correlation: 97.05 | Revenue CAGR: 7.90% | SUE: 0.37 | # QB: 0
EPS current Quarter (2026-06-30): EPS=0.45 | Chg30d=-2.20% | Revisions=-25% | Analysts=4
EPS next Quarter (2026-09-30): EPS=0.51 | Chg30d=-0.49% | Revisions=-25% | Analysts=4
EPS current Year (2026-12-31): EPS=1.79 | Chg30d=-0.28% | Revisions=-25% | GrowthEPS=+12.6% | GrowthRev=+10.1%
EPS next Year (2027-12-31): EPS=2.19 | Chg30d=+2.57% | Revisions=-25% | GrowthEPS=+22.6% | GrowthRev=+20.2%
[Analyst] Revisions Ratio: -57% (up=0, down=4)