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OppFi Inc. (OPFI)
Price$8.57
Favorite Metrics
Price vs S&P 500 (26W)-18.03%
Price vs S&P 500 (4W)-1.09%
Market Capitalization$734.63M
P/E Ratio (Annual)27.90x
Indicated Dividend Yield (Annual)0.00%
All Metrics
P/CF (Annual)1.83x
Book Value / Share (Quarterly)$0.68
Revenue Growth (3Y)9.65%
Cash Flow / Share (Quarterly)$4.45
Payout Ratio (TTM)96.35%
Price vs S&P 500 (YTD)-20.14%
Gross Margin (TTM)98.90%
Net Profit Margin (TTM)4.41%
EPS (TTM)$-0.18
10-Day Avg Trading Volume0.36M
EPS Excl Extra (TTM)$-0.18
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)$0.58
P/E Basic Excl Extra (TTM)27.90x
Revenue Growth QoQ (YoY)17.33%
EPS Growth (5Y)7.11%
P/E Normalized (Annual)27.90x
ROA (Last FY)3.49%
Revenue Growth TTM (YoY)13.52%
EBITD / Share (TTM)$4.71
ROE (5Y Avg)44.77%
Operating Margin (TTM)27.92%
Cash Flow / Share (Annual)$4.45
P/B Ratio12.56x
P/B Ratio (Quarterly)15.45x
Net Income / Employee (Annual)$0
EV / Revenue (TTM)1.61x
Net Interest Coverage (TTM)1.70x
ROA (TTM)3.78%
EPS Growth QoQ (YoY)124.07%
EV / EBITDA (TTM)4.92x
EPS Incl Extra (Annual)$0.99
Current Ratio (Annual)0.86x
Quick Ratio (Quarterly)0.86x
3-Month Avg Trading Volume0.50M
52-Week Price Return4.35%
EV / Free Cash Flow (Annual)2.52x
P/E Incl Extra (TTM)27.90x
Revenue / Employee (TTM)$1
Tangible BV / Share (Quarterly)$0.10
P/S Ratio (Annual)1.23x
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-14.04%
Quick Ratio (Annual)0.86x
13-Week Price Return-14.55%
Total Debt / Equity (Annual)5.49x
Current Ratio (Quarterly)0.86x
Enterprise Value$962.718
Revenue / Share Growth (5Y)53.47%
Asset Turnover (TTM)0.86x
Revenue / Employee (Annual)$1
Pretax Margin (Annual)26.15%
Cash / Share (Annual)$0.58
3-Month Return Std Dev33.58%
Gross Margin (5Y Avg)98.33%
Net Income / Employee (TTM)$0
EBITDA CAGR (5Y)13.17%
EBITDA Interim CAGR (5Y)16.32%
ROE (Last FY)45.02%
Net Interest Coverage (Annual)0.92x
EPS Basic Excl Extra (Annual)$0.99
P/FCF (TTM)1.92x
EV / Free Cash Flow (TTM)2.52x
Total Debt / Equity (Quarterly)5.49x
EPS Incl Extra (TTM)$-0.18
Receivables Turnover (Annual)9740.06x
ROI (TTM)7.63%
P/S Ratio (TTM)1.23x
Pretax Margin (5Y Avg)15.50%
Revenue / Share (Annual)$22.52
Tangible BV / Share (Annual)$-0.00
Forward P/E4.81x
Free OCF CAGR (5Y)16.07%
Price vs S&P 500 (52W)-25.48%
P/E Ratio (TTM)27.90x
Year-to-Date Return-17.50%
5-Day Price Return5.76%
EPS Normalized (Annual)$0.99
ROA (5Y Avg)2.15%
Net Profit Margin (Annual)4.41%
Month-to-Date Return11.93%
Cash Flow / Share (TTM)$2.93
EBITD / Share (Annual)$7.38
EPS Growth (3Y)127.64%
Operating Margin (Annual)27.92%
LT Debt / Equity (Annual)5.49x
P/CF (TTM)1.83x
ROI (5Y Avg)10.29%
P/E Excl Extra (TTM)27.90x
LT Debt / Equity (Quarterly)5.49x
EPS Basic Excl Extra (TTM)$-0.18
P/TBV (Quarterly)35.01x
Payout Ratio (Annual)24.36%
P/B Ratio (Annual)15.45x
Dividend / Share (TTM)$0.07
Pretax Margin (TTM)26.15%
Book Value / Share (Annual)$0.68
Price vs S&P 500 (13W)-15.24%
Net Margin Growth (5Y)-30.21%
Dividend Yield (TTM)0.87%
Beta1.85x
P/FCF (Annual)1.92x
Revenue / Share (TTM)$21.69
ROE (TTM)73.23%
52-Week Low$7.36
Analyst Recommendations
Jan 2026
Feb 2026
Mar 2026
Apr 2026
4.00
4.00
4.00
4.00
Industry Peers — Finance Services(109)
| Symbol | P/E Ratio (Annual) | ROE (TTM) | Operating Margin (TTM) | Revenue Growth (5Y) | Price |
|---|---|---|---|---|---|
OPFIOppFi Inc. | 27.90x | 73.23% | 27.92% | 15.46% | $8.57 |
AXPAmerican Express Company | 20.67x | 33.49% | 17.76% | 15.25% | $325.76 |
COINCoinbase Global, Inc. Class A Common Stock | 41.05x | 9.44% | 19.99% | 41.24% | $199.82 |
MSTRStrategy Inc Common Stock Class A | — | -7.97% | -1140.82% | -0.15% | $148.94 |
STRCStrategy Inc Variable Rate Series A Perpetual Stretch Preferred Stock | — | -7.97% | -1140.82% | -0.15% | $99.06 |
STRDStrategy Inc 10.00% Series A Perpetual Stride Preferred Stock | — | -7.97% | -1140.82% | -0.15% | $76.11 |
STRFStrategy Inc 10.00% Series A Perpetual Strife Preferred Stock | — | -7.97% | -1140.82% | -0.15% | $98.83 |
STRKStrategy Inc 8.00% Series A Perpetual Strike Preferred Stock | — | -7.97% | -1140.82% | -0.15% | $74.75 |
SYFSYNCHRONY FINANCIAL | 7.44x | 21.09% | 18.39% | 0.89% | $75.17 |
CRCLCircle Internet Group, Inc. | 126.06x | -2.62% | -2.63% | — | $107.46 |
SOFISoFi Technologies, Inc. Common Stock | 49.78x | 5.87% | -19.92% | — | $19.03 |
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.