OPFI

OppFi Inc.

Fundamental data last updated:October 3, 2026

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company profile

SECTOR

Technology

industry

Software - Application

Exchange

NYSE

County of HQ

US

Next Earnings Date

Pending Announcement

Business Summary

OppFi Inc. operates a financial technology platform that allows banks to offer lending products. Its platform facilitates the OppLoan, an installment loan product; SalaryTap, a payroll deduction secured installment loan product; and OppFi Card, a credit card product. The company is based in Chicago, Illinois.

 


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VALUATION

P/E

3.38

Market Cap ($M USD)

$712.18M

Forward P/E

3.90

PEG

-0.29

PRICE TO SALES

1.17

PRICE TO BOOK

2.95

EV / EBITDA

5.45

5-Year Average P/E

Free Cash Flow Yield

43.21%

DCF Value

$30.07

Graham Number

$12.53

Price to FCF

2.31

EV to FCF

3.08

Earnings Yield

29.60%

FCF Yield

43.21%

DIVIDEND

Yield

0.00%

Annual Payout

$0.00

Payout Ratio

96.87%

Consecutive Years of Dividend Growth

5-Year Dividend Growth Rate

Financial Health & Profitability

Earnings Per Share

$2.47

Next Year EPS Growth Estimate

$2.14

Next Year Revenue Growth Estimate

$773.27M

Return on Equity (ROE)

134.28%

FREE CASH FLOW

Operating Margin

35.48%

Debt-to-Equity

5.69

Piotroski F-Score

6

Altman Z-Score

2.76

Return on Invested Capital (ROIC)

32.53%

Current Ratio

1.14

Quick Ratio

1.14

Net Debt to EBITDA

1.36

Interest Coverage

7.71

Gross Profit margin

98.11%

FCF PER SHARE

$11.49

REVENUE PER SHARE

$22.73

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Gainseekers Quantitative Analysis

Summary

OPFI OppFi Inc. appears significantly undervalued when juxtaposed with its DCF Value and Graham Number. The market has priced it well below these intrinsic valuations, suggesting a potential mispricing. With a Forward P/E of 4.36 and an Earnings Yield of 26.46%, the stock offers a compelling value proposition. The Altman Z-score of 2.99 indicates a moderate level of financial safety, hinting at a stable growth trajectory. This combination of metrics suggests a robust financial health that the market might be overlooking.

AI Exposure / Tech Reliance

Operating in the Software - Application industry, OppFi is well-positioned to leverage AI advancements and tech shifts. Its sector inherently demands innovation, which could drive future growth and resilience. As AI continues to evolve, OppFi's adaptability in tech could enhance its competitive edge.

The Bull Case

For value and GARP investors, OppFi presents a tantalizing opportunity. The company boasts an impressive ROIC of 30.07%, reflecting exceptional capital efficiency. A Piotroski F-Score of 7 indicates strong financial health, while a FCF Yield of 38.63% underscores its ability to generate cash. Coupled with a robust operating margin of 35.48%, these metrics paint a picture of a company with significant pricing power and operational prowess.

The Bear Case

Despite its strengths, OppFi is not without risks. The Debt/Equity ratio of 5.69 raises red flags about its capital structure, suggesting potential vulnerability in volatile markets. Additionally, the Price/Book ratio of 3.30 and Price/Sales ratio of 1.31 indicate that the stock might be overvalued relative to its book and sales values. The stock's distance from its 52-week high by 61.09% also suggests it might be technically overextended.

Market Sentiment & Smart Money

Short Interest %

Analyst Consensus

Buy

Average Analyst Price Target

$11.00

Institutional Ownership %

1-Year Beta

1.87

Insider Buying % (6 Mo)

Distance to 52-Week High

80.22%

Distance to 52-Week Low

11.75%

EARNINGS SURPRISE %

6.06%

50-DAY SMA

$8.53

200-DAY SMA

$9.66

⚠️ Financial Disclaimer:
This content is for informational purposes only and is not financial advice. Information may be delayed or inaccurate. We may earn a commission from partner links.