(OPFI) OppFi - Overview
Sector: Financial Services | Industry: Credit Services | Exchange: NYSE (USA) | Market Cap: 1.174m USD | Total Return: -37.5% in 12m
Avg Turnover: 6.76M
EPS Trend: 88.5%
Qual. Beats: -1
Rev. Trend: 97.1%
Qual. Beats: 0
Warnings
Share dilution 258.3% YoY
Below Avwap Earnings
Tailwinds
No distinct edge detected
OppFi Inc. (OPFI) operates a digital financial technology platform that facilitates credit access for underbanked consumers in the United States. The company primarily utilizes its OppLoans platform to provide installment loans to individuals who typically lack access to traditional credit products due to low credit scores or limited financial history.
The business model functions as a service provider for partner banks, leveraging automated underwriting technology to assess risk beyond standard FICO scores. In the specialty finance sector, these platforms often bridge the credit gap by serving the approximately 60 million Americans considered non-prime or credit-challenged.
Investors looking for deeper fundamental analysis of fintech valuations should explore the data available on ValueRay. OppFi remains headquartered in Chicago and has expanded its product suite to include credit cards and salary-deduction products since its founding in 2012.
- Credit loss rates fluctuate based on subprime consumer financial health
- Federal and state regulatory scrutiny of bank partnership models impacts growth
- Interest rate volatility affects cost of capital and net interest margin
- Loan origination volume depends on marketing efficiency and credit model accuracy
- Expansion of the OppLoans platform drives scalability and top-line revenue growth
| 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 (86.2m) vs 12m ago 263.8% < -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 (EBITDA TTM 174.1m / 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: -0.01 (Book Value of Equity -5.18m / Total Liabilities 377.0m) |
| Altman-Z'' = 1.71 = BBB |
| DSRI: 0.97 (Receivables 502.6m/459.9m, Revenue 608.7m/538.9m) |
| GMI: 0.83 (GM 98.11% / 81.11%) |
| 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 = 0.94 (Cap -4..+1) = D |
As of May 26, 2026, the stock is trading at USD 8.15 with a total of 810,700 shares traded.
Over the past week, the price has changed by -5.34%,
over one month by -8.32%,
over three months by -12.74% and
over the past year by -37.45%.
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 | 71.8% |
P/E Trailing = 4.0148
P/E Forward = 4.5269
P/S = 3.4521
P/B = 9.1992
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 = 1.42b USD (1.17b + Debt 311.8m - CCE 63.9m)
Interest Coverage Ratio = 4.52 (Ebit TTM 170.1m / Interest Expense TTM 37.6m)
EV/FCF = 3.61x (Enterprise Value 1.42b / FCF TTM 393.4m)
FCF Yield = 27.67% (FCF TTM 393.4m / Enterprise Value 1.42b)
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 = 1.97 (Enterprise Value 1.42b / Total Assets 720.0m)
Interest Expense / Debt = 12.07% (Interest Expense 37.6m / Debt 311.8m)
Taxrate = 6.85% (3.97m / 58.0m)
NOPAT = 158.4m (EBIT 170.1m * (1 - 6.85%))
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 = 121.5% (Net Income TTM 66.1m / Total Stockholder Equity 54.4m)
RoCE = 50.22% (EBIT 170.1m / Capital Employed (Equity 54.4m + L.T.Debt 284.3m))
RoIC = 24.15% (NOPAT 158.4m / Invested Capital 656.1m)
WACC = 10.82% (E(1.17b)/V(1.49b) * Re(10.71%) + D(311.8m)/V(1.49b) * Rd(12.07%) * (1-Tc(0.07)))
Discount Rate = 10.71% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 56.57 | Cagr: 111.2%
[DCF] Terminal Value 70.40% ; FCFF base≈363.2m ; Y1≈416.3m ; Y5≈612.7m
[DCF] Fair Price = 72.19 (EV 6.41b - Net Debt 247.9m = Equity 6.16b / Shares 85.4m; r=10.82% [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=0.46 | Chg30d=-1.62% | Revisions=-20% | Analysts=4
EPS next Quarter (2026-09-30): EPS=0.52 | Chg30d=-0.48% | Revisions=+0% | Analysts=4
EPS current Year (2026-12-31): EPS=1.79 | Chg30d=+0.70% | Revisions=+33% | GrowthEPS=+12.9% | GrowthRev=+10.6%
EPS next Year (2027-12-31): EPS=2.14 | Chg30d=+5.94% | Revisions=+43% | GrowthEPS=+19.2% | GrowthRev=+17.1%
[Analyst] Revisions Ratio: +43%