OppFi Inc. (OPFI) Stock Price

OPFIStock

$5.65−40.27%52W

Market Cap$481.43M

P/E18.29x

PEG Ratio0.68

Div yield0.00%

Beta1.95

OPFI Share Price Chart

Favorite Metrics

Price vs S&P 500 (26W)-43.20%

Price vs S&P 500 (4W)-11.08%

PEG Ratio0.68

VGM Score54.99

P/E Ratio (Annual)18.29x

Indicated Dividend Yield (Annual)0.00%

P/CF (Annual)1.20x

Book Value / Share (Quarterly)$4.86

Revenue Growth (3Y)9.65%

Cash Flow / Share (Quarterly)$4.51

Payout Ratio (TTM)96.35%

Price vs S&P 500 (YTD)-57.91%

Gross Margin (TTM)98.90%

Net Profit Margin (TTM)16.64%

EPS (TTM)$1.59

10-Day Avg Trading Volume0.57M

EPS Excl Extra (TTM)$1.59

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)4.73x

Revenue Growth QoQ (YoY)1.91%

EPS Growth (5Y)7.11%

P/E Normalized (Annual)18.29x

ROA (Last FY)3.49%

Revenue Growth TTM (YoY)10.16%

EBITD / Share (TTM)$1.99

ROE (5Y Avg)44.77%

Operating Margin (TTM)22.75%

Cash Flow / Share (Annual)$4.45

P/B Ratio1.16x

P/B Ratio (Quarterly)2.05x

Net Income / Employee (Annual)$64,200

EV / Revenue (TTM)1.13x

Net Interest Coverage (TTM)1.70x

ROA (TTM)13.72%

EPS Growth QoQ (YoY)124.07%

EV / EBITDA (TTM)4.85x

EPS Incl Extra (Annual)$0.99

Current Ratio (Annual)0.41x

Quick Ratio (Quarterly)1.18x

3-Month Avg Trading Volume0.84M

52-Week Price Return-40.27%

EV / Free Cash Flow (Annual)1.81x

P/E Incl Extra (TTM)4.73x

Revenue / Employee (TTM)$1,491,200

Tangible BV / Share (Quarterly)$0.10

P/S Ratio (Annual)0.81x

Asset Turnover (Annual)0.79x

52-Week High$11.69

Operating Margin (5Y Avg)14.36%

EPS Excl Extra (Annual)$0.99

CapEx CAGR (5Y)12.30%

26-Week Price Return-33.29%

Quick Ratio (Annual)0.41x

13-Week Price Return-39.77%

Total Debt / Equity (Annual)5.49x

Current Ratio (Quarterly)1.18x

Enterprise Value$693.53M

Revenue / Share Growth (5Y)53.47%

Asset Turnover (TTM)0.82x

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

Pretax Margin (Annual)26.15%

Cash / Share (Annual)$0.58

3-Month Return Std Dev64.16%

Gross Margin (5Y Avg)98.33%

Net Income / Employee (TTM)$248,100

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)1.25x

EV / Free Cash Flow (TTM)1.80x

Total Debt / Equity (Quarterly)0.67x

EPS Incl Extra (TTM)$1.59

Receivables Turnover (Annual)9740.06x

ROI (TTM)22.60%

P/S Ratio (TTM)0.79x

Pretax Margin (5Y Avg)15.50%

Revenue / Share (Annual)$22.52

Tangible BV / Share (Annual)$-0.00

Forward P/E4.02x

Free OCF CAGR (5Y)16.07%

Price vs S&P 500 (52W)-55.81%

P/E Ratio (TTM)4.73x

Year-to-Date Return-45.98%

5-Day Price Return-2.92%

EPS Normalized (Annual)$0.99

ROA (5Y Avg)2.15%

Net Profit Margin (Annual)4.41%

Month-to-Date Return-6.30%

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)1.19x

ROI (5Y Avg)10.29%

P/E Excl Extra (TTM)4.73x

LT Debt / Equity (Quarterly)0.67x

EPS Basic Excl Extra (TTM)$1.59

P/TBV (Quarterly)35.01x

Payout Ratio (Annual)24.36%

P/B Ratio (Annual)15.45x

Dividend / Share (TTM)$0.00

Pretax Margin (TTM)33.51%

Book Value / Share (Annual)$0.68

Price vs S&P 500 (13W)-42.45%

Net Margin Growth (5Y)-30.21%

Dividend Yield (TTM)0.00%

Beta1.95x

P/FCF (Annual)1.26x

Revenue / Share (TTM)$7.11

ROE (TTM)68.06%

52-Week Low$5.59

vGradeB

gGradeC

mGradeC

vgmGradeC

OPFI Earnings Surprise History

Quarter	Report date	EPS estimate	EPS actual	Surprise
Q2 2026	Aug 10, 2026	$0.45	$0.33	-25.84%(-$0.11)
Q1 2026	May 7, 2026	$0.33	$0.35	+6.87%(+$0.02)
Q4 2025	Mar 11, 2026	$0.28	$0.30	+6.19%(+$0.02)
Q3 2025	Oct 29, 2025	$0.32	$0.46	+43.75%(+$0.14)
Q2 2025	Aug 6, 2025	$0.29	$0.45	+52.54%(+$0.16)

OPFI Analyst Recommendations

Jun 2026

Jul 2026

Aug 2026

Sep 2026

4.00

Industry Peers — Finance Services(179)

Symbol	Value Score	Growth Score	Momentum Score	P/E Ratio (Annual)	ROE (TTM)	Operating Margin (TTM)	Revenue Growth (5Y)	Price
OPFIOppFi Inc.	B	C	C	18.3x	68.1%	22.8%	15.5%	$5.65
AXPAmerican Express Company	D	B	B	19.5x	34.1%	18.2%	16.0%	$313.59
NUNu Holdings Ltd.	D	B	B	24.5x	30.3%	22.7%	84.5%	$14.56
MSTRStrategy Inc Common Stock Class A	D	D	B	—	-60.8%	-7272.5%	-0.1%	$136.83
COINCoinbase Global, Inc. Class A Common Stock	D	C	B	36.2x	-6.9%	9.9%	41.2%	$173.16
SYFSYNCHRONY FINANCIAL	B	C	B	6.7x	20.9%	18.4%	0.9%	$73.68
CRCLCircle Internet Group, Inc.	D	C	B	126.1x	13.6%	7.4%	—	$82.22
SOFISoFi Technologies, Inc. Common Stock	D	B	C	39.0x	6.2%	-19.9%	—	$14.55
BMNRBitMine Immersion Technologies, Inc.	D	A	B	37.5x	-84.6%	-14505.1%	428.4%	$21.66
CHYMChime Financial, Inc. Class A Common Stock	D	A	A	—	-1.3%	-2.1%	—	$29.67
IRENIREN Limited Ordinary Shares	D	B	D	183.7x	-23.0%	-163.9%	145.7%	$26.99
HUTHut 8 Corp. Common Stock	F	A	C	25.2x	-6.5%	115.2%	4.2%	$67.75
WULFTeraWulf Inc. Common Stock	F	C	D	—	-853.1%	-254.7%	65.8%	$11.68
RIOTRiot Platforms, Inc. Common Stock	D	C	C	57.3x	-48.4%	-199.2%	121.7%	$13.72
KLARKlarna Group plc	C	B	D	243.6x	-12.4%	-1.3%	—	$13.02
DAVEDave Inc. Class A Common Stock	D	B	B	23.9x	84.3%	34.5%	35.4%	$367.40
BLSHBullish	C	F	C	—	-45.3%	-0.7%	—	$29.49
CORZCore Scientific, Inc. Common Stock	D	B	C	—	-94.1%	-132.3%	39.5%	$13.48
CIFRCipher Digital Inc. Common Stock	F	D	D	—	-156.3%	-278.1%	—	$8.98
XXITwenty One Capital, Inc.	—	—	C	1436.4x	-71.8%	—	—	$5.62
GPGIGPGI, Inc.	—	—	C	—	-18.9%	—	—	$12.47
MARAMARA Holdings, Inc. Common Stock	C	C	D	6.5x	-110.4%	-357.4%	190.3%	$7.53
IONDIonic Digital Inc. Class A Common Stock	—	—	F	—	—	—	—	$62.81
SIISprott Inc.	D	B	B	43.2x	28.4%	36.1%	18.5%	$108.17
PURRHyperliquid Strategies Inc Common Stock	—	—	B	—	—	—	—	$9.07
ASSTStrive, Inc. Class A Common Stock	F	A	A	—	-94.7%	-10920.4%	131.2%	$24.09
UPSTUpstart Holdings, Inc. Common stock	D	A	C	42.8x	8.6%	4.6%	34.9%	$23.56
CLSKCLEANSPARK INC	D	C	D	5.9x	-75.2%	-131.6%	138.2%	$8.40
BTDRBitdeer Technologies Group Class A Ordinary Shares	C	B	D	32.0x	-54.7%	-40.6%	27.2%	$7.72
WLTHWealthfront Corporation Common Stock	D	D	B	8.8x	-13.1%	-40.8%	—	$10.63
SBETSharplink, Inc. Common Stock	D	A	B	120.8x	-79.2%	-3401.6%	47.5%	$7.57
SECZSecuritize Corp.	F	—	B	91988.6x	1.0%	—	—	$9.86
PGYPagaya Technologies Ltd. Class A Ordinary Shares	C	B	B	17.7x	23.5%	19.2%	67.4%	$17.23
KEELKeel Infrastructure Corp. Common Stock	—	F	D	—	-64.3%	-212.0%	—	$2.31
PWPPerella Weinberg Partners Class A Common Stock	C	D	C	35.6x	-31.9%	2.8%	—	$13.26
WDWalker & Dunlop, Inc.	B	F	C	20.3x	2.2%	4.6%	2.6%	$32.66
RHLDResolute Holdings Management, Inc.	C	A	B	—	411.7%	2.1%	—	$113.67
CDChaince Digital Holdings Inc. Ordinary Shares	F	C	B	—	-9.9%	-37.3%	5.9%	$6.93
LULufax Holding Ltd. American Depositary Shares, each representing two (2) Ordinary Shares	B	D	D	18.1x	-2.9%	-2.1%	-12.2%	$0.87
GDOTGreen Dot Corporation	B	C	B	—	-2.8%	0.3%	10.7%	$12.20
BTGOBitGo Holdings, Inc.	C	A	C	5.7x	-24.5%	-0.5%	—	$5.88
QFINQfin Holdings, Inc. American Depositary Shares	A	D	D	0.8x	15.4%	30.9%	7.2%	$5.67
BURBurford Capital Limited	C	F	D	11.6x	-102.3%	35.2%	4.7%	$3.00
VELVelocity Financial, Inc.	C	C	C	5.5x	15.8%	109.0%	27.4%	$14.71
HIVEHIVE Digital Technologies Ltd. Common Shares	C	B	D	—	-61.1%	-50.3%	34.9%	$2.03
ABTCAmerican Bitcoin Corp. Class A Common Stock	C	A	C	—	-29.9%	-106.6%	71.3%	$7.56
HKDAMTD Digital Inc. American Depositary Shares (every five of which represent two Class A Ordinary Shares)	D	C	B	9.6x	18.5%	0.1%	14.7%	$1.68
FWDIForward Industries, Inc. Common Stock	D	B	B	—	-130.5%	-1771.6%	-12.0%	$6.91
TRONTron Inc. Common Stock	F	C	D	—	2.9%	-94.2%	9.9%	$1.10
GEMIGemini Space Station, Inc. Class A Common Stock	C	B	D	—	-97.6%	-195.1%	—	$3.57
WYFIWhiteFiber, Inc. Ordinary Shares	C	B	D	329.3x	-10.7%	-42.3%	—	$11.76

About OppFi Inc.

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.

OPFI Next Earnings Report

Report dateOct 28, 2026

QuarterQ3 2026

Report timeAMC

EPS estimate$0.34

Revenue estimate$152.79M

Also reporting on Oct 28, 2026

Scheduled date with consensus estimates — both can change before the company reports.

Earnings calendar for October 2026

OPFI Insider Transactions

BuySep 14, 2026
SCHWARTZ TODD G
Chief Executive Officer
Shares: 5,240Value: $41,405
SellSep 11, 2026
JOHNSON PAMELA D
Chief Financial Officer
Shares: 8,650Value: $69,365
BuySep 10, 2026
SCHWARTZ TODD G
Chief Executive Officer
Shares: 3,350Value: $25,314
BuySep 9, 2026
SCHWARTZ TODD G
Chief Executive Officer
Shares: 3,450Value: $26,190
BuySep 8, 2026
SCHWARTZ TODD G
Chief Executive Officer
Shares: 3,475Value: $25,737

Open-market buys and sells filed with the SEC over the last 90 days. Grants, gifts and option exercises are excluded.

All insider transactions for September 2026

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Same SIC sector, outside this company's own industry.

Analyst Sentiment

4.0

Buy

Consensus rating

52-Week Range

Low$5.59

High$11.69