OppFi Inc. (OPFI)

Price$8.38

Value ScoreC

Growth ScoreC

Momentum ScoreC

Favorite Metrics

Price vs S&P 500 (26W)-23.45%

Price vs S&P 500 (4W)-15.70%

VGM Score48.53

Market Capitalization$1.22B

P/E Ratio (Annual)46.46x

Indicated Dividend Yield (Annual)0.00%

All Metrics

P/CF (Annual)3.05x

Book Value / Share (Quarterly)$0.89

Revenue Growth (3Y)9.65%

Cash Flow / Share (Quarterly)$4.56

Payout Ratio (TTM)96.35%

Price vs S&P 500 (YTD)-29.77%

Gross Margin (TTM)98.91%

Net Profit Margin (TTM)10.86%

EPS (TTM)$0.63

10-Day Avg Trading Volume0.65M

EPS Excl Extra (TTM)$0.63

Revenue Growth (5Y)15.46%

EPS (Annual)$0.99

Dividend / Share (Annual)$0.07

ROI (Annual)6.93%

Gross Margin (Annual)98.90%

Net Profit Margin (5Y Avg)2.89%

Cash / Share (Quarterly)$0.75

P/E Basic Excl Extra (TTM)18.51x

Revenue Growth QoQ (YoY)8.28%

EPS Growth (5Y)7.11%

P/E Normalized (Annual)46.46x

ROA (Last FY)3.49%

Revenue Growth TTM (YoY)12.95%

EBITD / Share (TTM)$2.86

ROE (5Y Avg)44.77%

Operating Margin (TTM)26.21%

Cash Flow / Share (Annual)$4.45

P/B Ratio16.17x

P/B Ratio (Quarterly)8.68x

Net Income / Employee (Annual)$64,200

EV / Revenue (TTM)2.37x

Net Interest Coverage (TTM)1.70x

ROA (TTM)9.22%

EPS Growth QoQ (YoY)124.07%

EV / EBITDA (TTM)8.83x

EPS Incl Extra (Annual)$0.99

Current Ratio (Annual)0.41x

Quick Ratio (Quarterly)1.22x

3-Month Avg Trading Volume0.53M

52-Week Price Return-34.39%

EV / Free Cash Flow (Annual)3.78x

P/E Incl Extra (TTM)18.51x

Revenue / Employee (TTM)$1,484,500

Tangible BV / Share (Quarterly)$0.10

P/S Ratio (Annual)2.05x

Asset Turnover (Annual)0.79x

52-Week High$15.03

Operating Margin (5Y Avg)14.36%

EPS Excl Extra (Annual)$0.99

CapEx CAGR (5Y)12.30%

26-Week Price Return-7.52%

Quick Ratio (Annual)0.41x

13-Week Price Return-9.39%

Total Debt / Equity (Annual)5.49x

Current Ratio (Quarterly)1.22x

Enterprise Value$1.44B

Revenue / Share Growth (5Y)53.47%

Asset Turnover (TTM)0.85x

Revenue / Employee (Annual)$1,456,200

Pretax Margin (Annual)26.15%

Cash / Share (Annual)$0.58

3-Month Return Std Dev34.73%

Gross Margin (5Y Avg)98.33%

Net Income / Employee (TTM)$161,200

EBITDA CAGR (5Y)15.33%

EBITDA Interim CAGR (5Y)11.74%

ROE (Last FY)45.02%

Net Interest Coverage (Annual)0.92x

EPS Basic Excl Extra (Annual)$0.99

P/FCF (TTM)3.15x

EV / Free Cash Flow (TTM)3.72x

Total Debt / Equity (Quarterly)3.76x

EPS Incl Extra (TTM)$0.63

Receivables Turnover (Annual)9740.06x

ROI (TTM)18.50%

P/S Ratio (TTM)2.01x

Pretax Margin (5Y Avg)15.50%

Revenue / Share (Annual)$22.52

Tangible BV / Share (Annual)$-0.00

Forward P/E4.67x

Free OCF CAGR (5Y)16.07%

Price vs S&P 500 (52W)-62.60%

P/E Ratio (TTM)18.51x

Year-to-Date Return-18.83%

5-Day Price Return4.17%

EPS Normalized (Annual)$0.99

ROA (5Y Avg)2.15%

Net Profit Margin (Annual)4.41%

Month-to-Date Return-10.73%

Cash Flow / Share (TTM)$2.93

EBITD / Share (Annual)$6.48

EPS Growth (3Y)127.64%

Operating Margin (Annual)27.92%

LT Debt / Equity (Annual)4.41x

P/CF (TTM)3.00x

ROI (5Y Avg)10.29%

P/E Excl Extra (TTM)18.51x

LT Debt / Equity (Quarterly)3.76x

EPS Basic Excl Extra (TTM)$0.63

P/TBV (Quarterly)35.01x

Payout Ratio (Annual)24.36%

P/B Ratio (Annual)15.45x

Dividend / Share (TTM)$0.07

Pretax Margin (TTM)31.56%

Book Value / Share (Annual)$0.68

Price vs S&P 500 (13W)-19.14%

Net Margin Growth (5Y)-30.21%

Dividend Yield (TTM)0.52%

Beta1.83x

P/FCF (Annual)3.20x

Revenue / Share (TTM)$7.06

ROE (TTM)134.28%

52-Week Low$7.36

vGradeC

gGradeC

mGradeC

vgmGradeC

Show chart for

Earnings Surprise History

Q1 260.35est. 0.33

Analyst Recommendations

Feb 2026

Mar 2026

Apr 2026

May 2026

4.00

Industry Peers — Finance Services(152)

Symbol	Value Score	Growth Score	Momentum Score	Price
OPFIOppFi Inc.	C	C	C	$8.38
AXPAmerican Express Company	D	B	C	$313.54
NUNu Holdings Ltd.	D	B	C	$12.99
COINCoinbase Global, Inc. Class A Common Stock	D	C	C	$182.61
MSTRStrategy Inc Common Stock Class A	D	D	C	$149.78
CRCLCircle Internet Group, Inc.	F	C	B	$104.97
SYFSYNCHRONY FINANCIAL	B	C	C	$70.82
SOFISoFi Technologies, Inc. Common Stock	D	B	B	$18.58
IRENIREN Limited Ordinary Shares	F	B	A	$65.33
HUTHut 8 Corp. Common Stock	F	A	A	$132.38
WULFTeraWulf Inc. Common Stock	F	B	A	$25.66

About

OppFi is a mission-driven specialty finance platform that enables community banks to extend credit to everyday Americans through installment loans and SalaryTap products. The company generates revenue from finance charges on these contracts, focusing on underserved consumers seeking affordable credit access.