OPAY
OPay Limited
Price Chart
Latest Quote
$19.00
+0.00 (+0.00%)
Current Price
| Previous Close | $19.00 |
Stock Information
| Shares Outstanding | 210.71M |
| Total Debt | $1.48M |
| Cash Equivalents | $385.77M |
| Revenue | $308.64M |
| Net Income | $-39.75M |
| Sector | Technology |
| Industry | Software - Infrastructure |
| Market Cap | $4.00B |
| Exchange | NYQ |
đ Comprehensive Analysis
Company Data
| Enterprise Value | $1.63B |
| Sales | $308.64M |
| Income | $-39.75M |
| Book/sh | $-13.68 |
| Cash/sh | $1.83 |
| Employees | 992 |
Financial Ratios
| Quick Ratio | 0.38 |
| Current Ratio | 0.79 |
| Debt/Eq | 0.39 |
| EPS Growth TTM | 318.50% |
Returns & Margins
| Gross Margin | 86.49% |
| Operating Margin | 39.75% |
| Profit Margin | 11.09% |
Ownership
| Insider & Institutional transactions data not available |
Valuation Ratios
| P/S | 12.97 |
| P/B | -1.39 |
Analyst Data
| Recommendation | none |
Technical Indicators
Performance History
| YTD | +0.00% |
Stock Score:
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Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-11-03 | $19.00 | 0 |
About OPay Limited
OPay Limited provides digital financial services in Singapore, Nigeria, Indonesia, Egypt, and Pakistan. The company operates through two segments: Digital Wallets and Banking, and Credit Business. The company's Digital Wallets and Banking segment offers a consumer wallet for storing value, peer-to-peer transfers, deposits, and withdrawals through the OPay app. It enables cashless payments through QR code scanning, merchant identifiers, USSD, SMS, and the Pay with OPay checkout for online merchants. The company offers the OPay Debit Card. It also enables bill payments for airtime and data top-ups, utilities, television subscriptions, transportation and tolls, school tuition and exam fees, government and tax payments, entertainment, travel, and charitable donations. The company provides in-app mini-app storefronts through OPay Marketplace, allowing users to browse and complete transactions within the app. It offers savings products, including OWealth; SafeBox; Fixed Deposits, fixed-tenor deposit products; Targets, a goal-based savings tool; and Spend & Save, an automated sweep-savings tool. The company provides merchant acquiring services, including online checkout integration, QR and payment-code acceptance, and POS terminals. It also offers business solutions, such as real-time transaction monitoring, automated settlement and reconciliation reports, multi-outlet workflow management, customer engagement and loyalty tools, supplier and staff management modules, fraud and anomaly detection, API-based integrations with merchant ERP and point-of-sale systems, and access to savings and credit products. The company's Credit Business segment provides personal loans in Nigeria through the OPay app, OKash, and EaseMoni; loan facilitation services in Indonesia through RupiahCepat; buy now, pay later credit for in-app purchases and bill payments; and merchant loans for small and micro businesses. OPay Limited was founded in 2017 and is based in Singapore.
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Income Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 |
|---|---|---|
| Revenue | ||
| Total Revenue | $536,251,000 | $205,731,000 |
| Operating Revenue | $525,348,000 | $199,115,000 |
| Expenses | ||
| Interest Expense | $23,465,000 | $8,059,000 |
| Total Expenses | $393,326,000 | $216,652,000 |
| Other Income Expense | $-12,766,000 | $-32,996,000 |
| Other Non Operating Income Expenses | $-1,756,000 | $-729,000 |
| Net Non Operating Interest Income Expense | $-19,366,000 | $-3,128,000 |
| Interest Expense Non Operating | $23,465,000 | $8,059,000 |
| Operating Expense | $393,326,000 | $216,652,000 |
| Other Operating Expenses | $49,173,000 | $26,223,000 |
| Selling And Marketing Expense | $96,609,000 | $43,361,000 |
| General And Administrative Expense | $26,640,000 | $26,084,000 |
| Income & Earnings | ||
| Net Income From Continuing Operation Net Minority Interest | $72,470,000 | $-50,977,000 |
| Net Interest Income | $-19,366,000 | $-3,128,000 |
| Interest Income | $4,099,000 | $4,931,000 |
| Normalized Income | $79,671,671 | $-28,390,100 |
| Net Income From Continuing And Discontinued Operation | $72,470,000 | $-50,977,000 |
| Total Operating Income As Reported | $107,100,000 | $-35,102,000 |
| Net Income Common Stockholders | $-17,001,000 | $-104,073,000 |
| Net Income | $72,470,000 | $-50,977,000 |
| Net Income Including Noncontrolling Interests | $72,470,000 | $-50,827,000 |
| Net Income Continuous Operations | $72,470,000 | $-50,827,000 |
| Pretax Income | $110,793,000 | $-47,045,000 |
| Special Income Charges | $-14,348,000 | $-17,989,000 |
| Interest Income Non Operating | $4,099,000 | $4,931,000 |
| Operating Income | $142,925,000 | $-10,921,000 |
| Depreciation Amortization Depletion Income Statement | $4,463,000 | $16,551,000 |
| Depreciation And Amortization In Income Statement | $4,463,000 | $16,551,000 |
| Amortization Of Intangibles Income Statement | $2,091,000 | $12,986,000 |
| Depreciation Income Statement | $2,372,000 | $3,565,000 |
| Per Share | ||
| Diluted EPS | $0.04 | $-0.06 |
| Basic EPS | $0.04 | $-0.06 |
| Other | ||
| Tax Effect Of Unusual Items | $-3,808,329 | $-9,680,100 |
| Tax Rate For Calcs | $0 | $0 |
| Normalized EBITDA (Bullshit earnings) | $149,731,000 | $9,832,000 |
| Total Unusual Items | $-11,010,000 | $-32,267,000 |
| Total Unusual Items Excluding Goodwill | $-11,010,000 | $-32,267,000 |
| Reconciled Depreciation | $4,463,000 | $16,551,000 |
| EBITDA (Bullshit earnings) | $138,721,000 | $-22,435,000 |
| EBIT | $134,258,000 | $-38,986,000 |
| Diluted Average Shares | $1,686,649,304 | $1,686,649,304 |
| Basic Average Shares | $1,686,649,304 | $1,686,649,304 |
| Diluted NI Availto Com Stockholders | $-17,001,000 | $-104,073,000 |
| Preferred Stock Dividends | $89,471,000 | $53,096,000 |
| Minority Interests | $0 | $-150,000 |
| Tax Provision | $38,323,000 | $3,782,000 |
| Restructuring And Mergern Acquisition | $14,348,000 | $17,989,000 |
| Gain On Sale Of Security | $3,338,000 | $-14,278,000 |
| Provision For Doubtful Accounts | $121,294,000 | $24,830,000 |
| Amortization | $2,091,000 | $12,986,000 |
| Research And Development | $95,147,000 | $79,603,000 |
| Selling General And Administration | $123,249,000 | $69,445,000 |
| Other Gand A | $26,640,000 | $26,084,000 |
Fetched: 2026-11-03
Balance Sheet (Annual)
| Metric | 2025-12-31 | 2024-12-31 |
|---|---|---|
| Assets | ||
| Net Tangible Assets | $-895,075,000 | $-876,235,000 |
| Total Assets | $1,487,098,000 | $841,542,000 |
| Total Non Current Assets | $167,537,000 | $172,155,000 |
| Goodwill And Other Intangible Assets | $161,550,000 | $169,019,000 |
| Other Intangible Assets | $113,755,000 | $119,692,000 |
| Current Assets | $1,319,561,000 | $669,387,000 |
| Restricted Cash | $1,915,000 | $2,146,000 |
| Prepaid Assets | $34,492,000 | $19,315,000 |
| Inventory | $1,537,000 | $868,000 |
| Receivables | $596,854,000 | $410,914,000 |
| Other Receivables | $371,734,000 | $359,283,000 |
| Loans Receivable | $196,096,000 | $41,234,000 |
| Accounts Receivable | $29,024,000 | $10,397,000 |
| Allowance For Doubtful Accounts Receivable | $-43,000 | $-877,000 |
| Gross Accounts Receivable | $29,067,000 | $11,274,000 |
| Cash Cash Equivalents And Short Term Investments | $684,763,000 | $236,144,000 |
| Cash And Cash Equivalents | $274,317,000 | $104,790,000 |
| Debt | ||
| Total Debt | $1,623,000 | $7,024,000 |
| Long Term Debt And Capital Lease Obligation | $1,098,000 | $208,000 |
| Current Debt And Capital Lease Obligation | $525,000 | $6,816,000 |
| Current Debt | - | $6,586,000 |
| Liabilities | ||
| Total Liabilities Net Minority Interest | $2,220,623,000 | $1,548,758,000 |
| Total Non Current Liabilities Net Minority Interest | $1,074,929,000 | $889,574,000 |
| Other Non Current Liabilities | $1,607,000 | $1,467,000 |
| Non Current Deferred Liabilities | $38,993,000 | $32,971,000 |
| Non Current Deferred Taxes Liabilities | $31,530,000 | $30,613,000 |
| Current Liabilities | $1,145,694,000 | $659,184,000 |
| Current Deferred Liabilities | $697,502,000 | $241,837,000 |
| Current Notes Payable | $0 | $6,586,000 |
| Payables And Accrued Expenses | $447,667,000 | $410,531,000 |
| Payables | $407,949,000 | $370,474,000 |
| Other Payable | $346,178,000 | $350,971,000 |
| Total Tax Payable | $48,914,000 | $11,207,000 |
| Accounts Payable | $12,857,000 | $7,817,000 |
| Equity | ||
| Common Stock Equity | $-733,525,000 | $-707,216,000 |
| Total Equity Gross Minority Interest | $-733,525,000 | $-707,216,000 |
| Stockholders Equity | $-733,525,000 | $-707,216,000 |
| Gains Losses Not Affecting Retained Earnings | $17,946,000 | $27,254,000 |
| Other Equity Adjustments | $17,946,000 | $27,254,000 |
| Retained Earnings | $-751,473,000 | $-734,472,000 |
| Preferred Securities Outside Stock Equity | $1,033,231,000 | $854,928,000 |
| Other | ||
| Tangible Book Value | $-895,075,000 | $-876,235,000 |
| Invested Capital | $-733,525,000 | $-700,630,000 |
| Working Capital | $173,867,000 | $10,203,000 |
| Capital Lease Obligations | $1,623,000 | $438,000 |
| Total Capitalization | $-733,525,000 | $-707,216,000 |
| Minority Interest | $0 | $0 |
| Additional Paid In Capital | $0 | $0 |
| Capital Stock | $2,000 | $2,000 |
| Common Stock | $2,000 | $2,000 |
| Non Current Deferred Revenue | $7,463,000 | $2,358,000 |
| Long Term Capital Lease Obligation | $1,098,000 | $208,000 |
| Current Deferred Revenue | $697,502,000 | $241,837,000 |
| Current Capital Lease Obligation | $525,000 | $230,000 |
| Current Accrued Expenses | $39,718,000 | $40,057,000 |
| Dueto Related Parties Current | $0 | $479,000 |
| Goodwill | $47,795,000 | $49,327,000 |
| Net PPE | $5,987,000 | $3,136,000 |
| Accumulated Depreciation | $-2,371,000 | $-4,622,000 |
| Gross PPE | $8,358,000 | $7,758,000 |
| Other Properties | $2,592,000 | $418,000 |
| Machinery Furniture Equipment | $5,766,000 | $7,340,000 |
| Other Short Term Investments | $410,446,000 | $131,354,000 |
Fetched: 2026-11-03
Cash Flow Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 |
|---|---|---|
| Free Cash Flow | ||
| Free Cash Flow | $149,135,000 | $47,613,000 |
| Operating Activities | ||
| Operating Cash Flow | $152,183,000 | $51,991,000 |
| Cash Flow From Continuing Operating Activities | $152,183,000 | $51,991,000 |
| Operating Gains Losses | $-1,624,000 | $6,168,000 |
| Investing Activities | ||
| Capital Expenditure | $-3,048,000 | $-4,378,000 |
| Investing Cash Flow | $-506,657,000 | $-157,178,000 |
| Cash Flow From Continuing Investing Activities | $-506,657,000 | $-157,178,000 |
| Net Other Investing Changes | $-242,841,000 | $-44,772,000 |
| Financing Activities | ||
| Repurchase Of Capital Stock | $-11,168,000 | $0 |
| Issuance Of Capital Stock | $100,000,000 | $10,000,000 |
| Financing Cash Flow | $474,155,000 | $323,649,000 |
| Cash Flow From Continuing Financing Activities | $474,155,000 | $323,649,000 |
| Net Other Financing Charges | $392,001,000 | $313,649,000 |
| Net Preferred Stock Issuance | $88,832,000 | $10,000,000 |
| Preferred Stock Issuance | $100,000,000 | $10,000,000 |
| Other | ||
| Repayment Of Debt | $-6,678,000 | $0 |
| Interest Paid Supplemental Data | $19,558,000 | $7,806,000 |
| Income Tax Paid Supplemental Data | $3,460,000 | $526,000 |
| End Cash Position | $574,012,000 | $409,627,000 |
| Beginning Cash Position | $409,627,000 | $284,302,000 |
| Effect Of Exchange Rate Changes | $44,704,000 | $-93,137,000 |
| Changes In Cash | $119,681,000 | $218,462,000 |
| Preferred Stock Payments | $-11,168,000 | $0 |
| Net Issuance Payments Of Debt | $-6,678,000 | $0 |
| Net Short Term Debt Issuance | $-6,678,000 | $0 |
| Short Term Debt Payments | $-6,678,000 | $0 |
| Net Investment Purchase And Sale | $-260,768,000 | $-108,028,000 |
| Sale Of Investment | $378,479,000 | $77,270,000 |
| Purchase Of Investment | $-639,247,000 | $-185,298,000 |
| Net PPE Purchase And Sale | $-3,048,000 | $-4,378,000 |
| Purchase Of PPE | $-3,048,000 | $-4,378,000 |
| Change In Working Capital | $-40,816,000 | $57,018,000 |
| Change In Other Current Liabilities | $1,296,000 | $416,000 |
| Change In Other Current Assets | $-2,174,000 | $-73,000 |
| Change In Payables And Accrued Expense | $30,757,000 | $55,800,000 |
| Change In Payable | $30,757,000 | $55,800,000 |
| Change In Account Payable | $31,236,000 | $55,800,000 |
| Change In Prepaid Assets | $-22,267,000 | $2,182,000 |
| Change In Inventory | $-3,483,000 | $-2,262,000 |
| Change In Receivables | $-44,945,000 | $955,000 |
| Changes In Account Receivables | $-16,209,000 | $-3,165,000 |
| Other Non Cash Items | $-8,549,000 | $-3,152,000 |
| Provisionand Write Offof Assets | $121,294,000 | $24,830,000 |
| Asset Impairment Charge | $3,021,000 | $1,833,000 |
| Deferred Tax | $1,924,000 | $-430,000 |
| Deferred Income Tax | $1,924,000 | $-430,000 |
| Depreciation Amortization Depletion | $4,463,000 | $16,551,000 |
| Depreciation And Amortization | $4,463,000 | $16,551,000 |
| Amortization Cash Flow | $2,091,000 | $12,986,000 |
| Amortization Of Intangibles | $2,091,000 | $12,986,000 |
| Depreciation | $2,372,000 | $3,565,000 |
| Net Foreign Currency Exchange Gain Loss | $-1,624,000 | $6,168,000 |
| Net Income From Continuing Operations | $72,470,000 | $-50,827,000 |
Fetched: 2026-11-03