OPFI
OppFi Inc.
Price Chart
No historical data available
Latest Quote
$6.93
-0.14 (-1.98%)
Current Price
| Previous Close | $7.07 |
| Open | $6.97 |
| Day High | $6.98 |
| Day Low | $6.83 |
| Volume | 616,000 |
Stock Information
| Shares Outstanding | 85.21M |
| Total Debt | $286.88M |
| Cash Equivalents | $64.35M |
| Revenue | $327.48M |
| Net Income | $101.72M |
| Sector | Financial Services |
| Industry | Credit Services |
| Market Cap | $590.49M |
| P/E Ratio | 2.35 |
| EPS (TTM) | $2.95 |
| Exchange | NYQ |
đ Comprehensive Analysis
Company Data
| Enterprise Value | $813.03M |
| Sales | $327.48M |
| Income | $101.72M |
| Book/sh | $4.86 |
| Cash/sh | $0.76 |
| Employees | 410 |
Financial Ratios
| Quick Ratio | 12.32 |
| Current Ratio | 12.92 |
| Debt/Eq | 69.25 |
Returns & Margins
| ROA | 25.49% |
| ROE | 58.24% |
| Gross Margin | 100.00% |
| Operating Margin | 31.21% |
| Profit Margin | 31.06% |
Ownership
| Insider Ownership | 60.61% |
| Institutional Ownership | 26.91% |
| Insider & Institutional transactions data not available | |
Valuation Ratios
| Forward P/E | 3.64 |
| P/S | 1.80 |
| P/B | 1.43 |
Analyst Data
| Recommendation | buy |
| Target Price | $12.56 |
Technical Indicators
| SMA20 | $7.66 |
| SMA50 | $8.68 |
| SMA200 | $9.07 |
| RSI | 58.95 |
| ATR | 0.3065 |
| Shares Float | 33.51M |
| Short Float | 4.16% |
| Short Ratio | 3.71 |
| Volatility | 1.82 |
| Rel Volume | 0.52 |
Performance History
| Week | -0.72% |
| Month | -26.43% |
| Quarter | -18.37% |
| 6 Months | -24.51% |
| YTD | -32.72% |
| Year | -31.72% |
| 3 Years | +200.62% |
| 5 Years | +19.10% |
| 10 Years | -24.31% |
Stock Score:
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Recent Price History
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About OppFi Inc.
OppFi Inc., a tech-enabled digital finance platform, provides financial products and services for banks in the United States. The company offers installment loans through OppLoans platform. It serves consumers who are turned away by mainstream options. OppFi Inc. was founded in 2012 and is based in Chicago, Illinois.
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Income Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Revenue | ||||
| Reconciled Cost Of Revenue | $100,062,000 | $105,183,000 | $107,430,000 | $95,138,000 |
| Cost Of Revenue | $100,062,000 | $105,183,000 | $107,430,000 | $95,138,000 |
| Total Revenue | $597,050,000 | $525,963,000 | $508,949,000 | $452,859,000 |
| Operating Revenue | $591,769,000 | $521,227,000 | $505,430,000 | $451,448,000 |
| Expenses | ||||
| Total Expenses | $214,504,000 | $226,984,000 | $231,175,000 | $221,671,000 |
| Rent Expense Supplemental | $4,127,000 | $4,030,000 | $4,431,000 | $4,441,000 |
| Other Income Expense | $-226,414,000 | $-210,927,000 | $-235,964,000 | $-228,125,000 |
| Other Non Operating Income Expenses | $-220,041,000 | $-204,125,000 | $-230,988,000 | $-233,906,000 |
| Operating Expense | $114,442,000 | $121,801,000 | $123,745,000 | $126,533,000 |
| Other Operating Expenses | $17,573,000 | $22,273,000 | $19,999,000 | $23,472,000 |
| Selling And Marketing Expense | $50,890,000 | $49,208,000 | $50,562,000 | $58,294,000 |
| General And Administrative Expense | $40,820,000 | $40,657,000 | $36,101,000 | $29,246,000 |
| Interest Expense | - | - | $0 | $32,790,000 |
| Net Non Operating Interest Income Expense | - | - | $0 | $-35,162,000 |
| Interest Expense Non Operating | - | - | $0 | $32,790,000 |
| Total Other Finance Cost | - | - | - | $2,372,000 |
| Income & Earnings | ||||
| Net Income From Continuing Operation Net Minority Interest | $26,329,000 | $7,258,000 | $-1,005,000 | $7,098,000 |
| Normalized Income | $36,961,139 | $15,106,288 | $3,692,344 | $2,531,010 |
| Net Income From Continuing And Discontinued Operation | $26,329,000 | $7,258,000 | $-1,005,000 | $7,098,000 |
| Total Operating Income As Reported | $166,678,000 | $94,536,000 | $46,355,000 | $-6,342,000 |
| Average Dilution Earnings | $0 | $0 | $0 | $-2,850,000 |
| Net Income Common Stockholders | $26,329,000 | $7,258,000 | $-1,005,000 | $7,098,000 |
| Net Income | $26,329,000 | $7,258,000 | $-1,005,000 | $7,098,000 |
| Net Income Including Noncontrolling Interests | $146,247,000 | $83,837,000 | $39,479,000 | $3,340,000 |
| Net Income Continuous Operations | $146,247,000 | $83,837,000 | $39,479,000 | $3,340,000 |
| Pretax Income | $156,132,000 | $88,052,000 | $41,810,000 | $3,063,000 |
| Earnings From Equity Interest | $4,974,000 | $1,442,000 | $0 | $0 |
| Operating Income | $382,546,000 | $298,979,000 | $277,774,000 | $231,188,000 |
| Depreciation Amortization Depletion Income Statement | $5,159,000 | $9,621,000 | $12,735,000 | $13,581,000 |
| Depreciation And Amortization In Income Statement | $5,159,000 | $9,621,000 | $12,735,000 | $13,581,000 |
| Gross Profit | $496,988,000 | $420,780,000 | $401,519,000 | $357,721,000 |
| Special Income Charges | - | $0 | $0 | $-3,571,000 |
| Net Interest Income | - | - | $0 | $-35,162,000 |
| Per Share | ||||
| Diluted EPS | $0.99 | $0.36 | $-0.06 | $0.05 |
| Basic EPS | $0.99 | $0.36 | $-0.06 | $0.51 |
| Other | ||||
| Tax Effect Of Unusual Items | $-714,861 | $-395,712 | $-278,656 | $1,214,010 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Normalized EBITDA (Bullshit earnings) | $399,052,000 | $316,844,000 | $295,485,000 | $238,988,000 |
| Total Unusual Items | $-11,347,000 | $-8,244,000 | $-4,976,000 | $5,781,000 |
| Total Unusual Items Excluding Goodwill | $-11,347,000 | $-8,244,000 | $-4,976,000 | $5,781,000 |
| Reconciled Depreciation | $5,159,000 | $9,621,000 | $12,735,000 | $13,581,000 |
| EBITDA (Bullshit earnings) | $387,705,000 | $308,600,000 | $290,509,000 | $244,769,000 |
| EBIT | $382,546,000 | $298,979,000 | $277,774,000 | $231,188,000 |
| Diluted Average Shares | $26,506,458 | $20,145,606 | $16,391,199 | $84,256,084 |
| Basic Average Shares | $26,506,458 | $20,145,606 | $16,391,199 | $13,913,626 |
| Diluted NI Availto Com Stockholders | $26,329,000 | $7,258,000 | $-1,005,000 | $4,248,000 |
| Minority Interests | $-119,918,000 | $-76,579,000 | $-40,484,000 | $3,758,000 |
| Tax Provision | $9,885,000 | $4,215,000 | $2,331,000 | $-277,000 |
| Gain On Sale Of Security | $-11,347,000 | $-8,244,000 | $-4,976,000 | $9,352,000 |
| Provision For Doubtful Accounts | $0 | $42,000 | $4,348,000 | $1,940,000 |
| Selling General And Administration | $91,710,000 | $89,865,000 | $86,663,000 | $87,540,000 |
| Other Gand A | $36,693,000 | $36,627,000 | $31,670,000 | $24,805,000 |
| Rent And Landing Fees | $4,127,000 | $4,030,000 | $4,431,000 | $4,441,000 |
| Write Off | - | $0 | $0 | $3,571,000 |
| Salaries And Wages | - | - | - | $59,976,000 |
| Other Special Charges | - | - | - | - |
Fetched: 2026-09-01
Balance Sheet (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Assets | ||||
| Net Tangible Assets | $58,484,000 | $32,774,000 | $10,440,000 | $-494,000 |
| Total Assets | $754,090,000 | $641,171,000 | $601,543,000 | $579,839,000 |
| Total Non Current Assets | $114,591,000 | $77,151,000 | $62,266,000 | $69,680,000 |
| Other Non Current Assets | $26,406,000 | $12,358,000 | $14,017,000 | $15,296,000 |
| Non Current Deferred Assets | $32,647,000 | $21,340,000 | $25,777,000 | $26,758,000 |
| Non Current Deferred Taxes Assets | $32,647,000 | $21,340,000 | $25,777,000 | $26,758,000 |
| Current Assets | $639,499,000 | $564,020,000 | $539,277,000 | $510,159,000 |
| Restricted Cash | $43,812,000 | $26,944,000 | $42,152,000 | $33,431,000 |
| Receivables | $546,236,000 | $475,732,000 | $465,334,000 | $459,939,000 |
| Other Receivables | $546,236,000 | $475,732,000 | $465,334,000 | $459,939,000 |
| Cash Cash Equivalents And Short Term Investments | $49,451,000 | $61,344,000 | $31,791,000 | $16,239,000 |
| Cash And Cash Equivalents | $49,451,000 | $61,344,000 | $31,791,000 | $16,239,000 |
| Cash Financial | $49,451,000 | $61,344,000 | $31,791,000 | $16,239,000 |
| Assets Held For Sale Current | - | - | $0 | $550,000 |
| Loans Receivable | - | - | - | $457,939,000 |
| Debt | ||||
| Net Debt | $271,902,000 | $257,414,000 | $302,325,000 | $330,821,000 |
| Total Debt | $332,777,000 | $332,052,000 | $349,177,000 | $363,618,000 |
| Long Term Debt And Capital Lease Obligation | $332,777,000 | $332,052,000 | $349,177,000 | $363,618,000 |
| Long Term Debt | $321,353,000 | $318,758,000 | $334,116,000 | $347,060,000 |
| Current Debt And Capital Lease Obligation | - | - | - | - |
| Current Debt | - | - | - | - |
| Other Current Borrowings | - | - | - | - |
| Liabilities | ||||
| Total Liabilities Net Minority Interest | $445,214,000 | $406,958,000 | $407,514,000 | $420,689,000 |
| Total Non Current Liabilities Net Minority Interest | $359,232,000 | $347,160,000 | $356,041,000 | $365,506,000 |
| Derivative Product Liabilities | $26,455,000 | $15,108,000 | $6,864,000 | $1,888,000 |
| Current Liabilities | $85,982,000 | $59,798,000 | $51,473,000 | $55,183,000 |
| Payables And Accrued Expenses | $85,982,000 | $59,798,000 | $51,473,000 | $55,183,000 |
| Interest Payable | $2,601,000 | $2,519,000 | $2,794,000 | $2,196,000 |
| Payables | $42,584,000 | $27,387,000 | $29,467,000 | $31,963,000 |
| Total Tax Payable | $39,811,000 | $26,508,000 | $25,025,000 | $25,625,000 |
| Accounts Payable | $2,773,000 | $879,000 | $4,442,000 | $6,338,000 |
| Other Non Current Liabilities | - | - | - | $25,625,000 |
| Current Deferred Liabilities | - | - | - | $0 |
| Equity | ||||
| Common Stock Equity | $58,484,000 | $32,774,000 | $10,440,000 | $-494,000 |
| Total Equity Gross Minority Interest | $308,876,000 | $234,213,000 | $194,029,000 | $159,150,000 |
| Stockholders Equity | $58,484,000 | $32,774,000 | $10,440,000 | $-494,000 |
| Retained Earnings | $-33,505,000 | $-55,127,000 | $-63,591,000 | $-63,546,000 |
| Long Term Equity Investment | $19,076,000 | $19,194,000 | $0 | - |
| Other | ||||
| Treasury Shares Number | $3,280,573 | $1,738,624 | $703,914 | $703,914 |
| Ordinary Shares Number | $27,272,028 | $22,036,015 | $18,850,860 | $14,760,566 |
| Share Issued | $30,552,601 | $23,774,639 | $19,554,774 | $15,464,480 |
| Tangible Book Value | $58,484,000 | $32,774,000 | $10,440,000 | $-494,000 |
| Invested Capital | $379,837,000 | $351,532,000 | $344,556,000 | $346,566,000 |
| Working Capital | $553,517,000 | $504,222,000 | $487,804,000 | $454,976,000 |
| Capital Lease Obligations | $11,424,000 | $13,294,000 | $15,061,000 | $16,558,000 |
| Total Capitalization | $379,837,000 | $351,532,000 | $344,556,000 | $346,566,000 |
| Minority Interest | $250,392,000 | $201,439,000 | $183,589,000 | $159,644,000 |
| Treasury Stock | $21,528,000 | $6,011,000 | $2,460,000 | $2,460,000 |
| Additional Paid In Capital | $113,508,000 | $93,903,000 | $76,480,000 | $65,501,000 |
| Capital Stock | $9,000 | $9,000 | $11,000 | $11,000 |
| Common Stock | $9,000 | $9,000 | $11,000 | $11,000 |
| Preferred Stock | $0 | $0 | $0 | $0 |
| Long Term Capital Lease Obligation | $11,424,000 | $13,294,000 | $15,061,000 | $16,558,000 |
| Current Accrued Expenses | $43,398,000 | $32,411,000 | $22,006,000 | $23,220,000 |
| Investments And Advances | $19,076,000 | $19,194,000 | $0 | - |
| Net PPE | $36,462,000 | $24,259,000 | $22,472,000 | $27,626,000 |
| Accumulated Depreciation | $-64,401,000 | $-59,250,000 | $-50,056,000 | $-37,380,000 |
| Gross PPE | $100,863,000 | $83,509,000 | $72,528,000 | $65,006,000 |
| Leases | $979,000 | $979,000 | $979,000 | $979,000 |
| Other Properties | $95,245,000 | $78,098,000 | $67,585,000 | $60,347,000 |
| Machinery Furniture Equipment | $4,639,000 | $4,432,000 | $3,964,000 | $3,680,000 |
| Properties | $0 | $0 | $0 | $0 |
| Current Deferred Revenue | - | - | - | $0 |
Fetched: 2026-09-01
Cash Flow Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Free Cash Flow | ||||
| Free Cash Flow | $382,192,000 | $310,796,000 | $287,155,000 | $230,047,000 |
| Operating Activities | ||||
| Operating Cash Flow | $401,305,000 | $323,806,000 | $296,146,000 | $243,297,000 |
| Cash Flow From Continuing Operating Activities | $401,305,000 | $323,806,000 | $296,146,000 | $243,297,000 |
| Operating Gains Losses | $6,375,000 | $6,807,000 | $4,866,000 | $-9,351,000 |
| Investing Activities | ||||
| Capital Expenditure | $-19,113,000 | $-13,010,000 | $-8,991,000 | $-13,250,000 |
| Investing Cash Flow | $-307,804,000 | $-243,442,000 | $-244,292,000 | $-317,244,000 |
| Cash Flow From Continuing Investing Activities | $-307,804,000 | $-243,442,000 | $-244,292,000 | $-317,244,000 |
| Net Other Investing Changes | $-288,691,000 | $-214,466,000 | $-235,301,000 | $-303,994,000 |
| Financing Activities | ||||
| Repurchase Of Capital Stock | $-15,517,000 | $-3,551,000 | $0 | $-2,460,000 |
| Financing Cash Flow | $-88,526,000 | $-66,019,000 | $-27,581,000 | $61,255,000 |
| Cash Flow From Continuing Financing Activities | $-88,526,000 | $-66,019,000 | $-27,581,000 | $61,255,000 |
| Net Other Financing Charges | $-11,049,000 | $-2,163,000 | $-1,992,000 | $-4,521,000 |
| Cash Dividends Paid | $-64,914,000 | $-44,765,000 | $-10,230,000 | $-1,309,000 |
| Common Stock Dividend Paid | $-64,914,000 | $-44,765,000 | $-10,230,000 | $-1,309,000 |
| Net Common Stock Issuance | $-15,517,000 | $-3,551,000 | $0 | $-2,460,000 |
| Dividend Received Cfo | $5,092,000 | $1,050,000 | $0 | $0 |
| Other | ||||
| Repayment Of Debt | $-250,749,000 | $-232,883,000 | $-202,476,000 | $-23,314,000 |
| Issuance Of Debt | $253,274,000 | $217,049,000 | $186,730,000 | $92,734,000 |
| Interest Paid Supplemental Data | $36,112,000 | $42,573,000 | $43,725,000 | $32,086,000 |
| Income Tax Paid Supplemental Data | $6,093,000 | $475,000 | $73,000 | $356,000 |
| End Cash Position | $93,263,000 | $88,288,000 | $73,943,000 | $49,670,000 |
| Beginning Cash Position | $88,288,000 | $73,943,000 | $49,670,000 | $62,362,000 |
| Changes In Cash | $4,975,000 | $14,345,000 | $24,273,000 | $-12,692,000 |
| Proceeds From Stock Option Exercised | $429,000 | $294,000 | $387,000 | $125,000 |
| Common Stock Payments | $-15,517,000 | $-3,551,000 | $0 | $-2,460,000 |
| Net Issuance Payments Of Debt | $2,525,000 | $-15,834,000 | $-15,746,000 | $69,420,000 |
| Net Long Term Debt Issuance | $2,525,000 | $-15,834,000 | $-15,746,000 | $69,420,000 |
| Long Term Debt Payments | $-250,749,000 | $-232,883,000 | $-202,476,000 | $-23,314,000 |
| Long Term Debt Issuance | $253,274,000 | $217,049,000 | $186,730,000 | $92,734,000 |
| Net Business Purchase And Sale | $0 | $-15,966,000 | $0 | $0 |
| Purchase Of Business | $0 | $-15,966,000 | $0 | $0 |
| Net PPE Purchase And Sale | $-19,113,000 | $-13,010,000 | $-8,991,000 | $-13,250,000 |
| Purchase Of PPE | $-19,113,000 | $-13,010,000 | $-8,991,000 | $-13,250,000 |
| Change In Working Capital | $-1,320,000 | $6,810,000 | $-2,043,000 | $-9,345,000 |
| Change In Other Working Capital | $-276,000 | $-170,000 | $-90,000 | $-7,000 |
| Change In Other Current Assets | $-3,244,000 | $555,000 | $3,478,000 | $2,453,000 |
| Change In Payables And Accrued Expense | $-119,000 | $6,842,000 | $-3,269,000 | $-4,643,000 |
| Change In Accrued Expense | $-2,013,000 | $10,405,000 | $-1,373,000 | $-4,881,000 |
| Change In Payable | $1,894,000 | $-3,563,000 | $-1,896,000 | $238,000 |
| Change In Account Payable | $1,894,000 | $-3,563,000 | $-1,896,000 | $238,000 |
| Change In Receivables | $2,319,000 | $-417,000 | $-2,162,000 | $-7,148,000 |
| Changes In Account Receivables | $2,036,000 | $-132,000 | $96,000 | $-2,000,000 |
| Other Non Cash Items | $223,541,000 | $206,852,000 | $230,864,000 | $236,331,000 |
| Stock Based Compensation | $9,988,000 | $5,270,000 | $4,067,000 | $3,354,000 |
| Provisionand Write Offof Assets | $0 | $42,000 | $4,348,000 | $1,940,000 |
| Asset Impairment Charge | $155,000 | $0 | $0 | $4,036,000 |
| Deferred Tax | $6,068,000 | $3,517,000 | $1,830,000 | $-589,000 |
| Deferred Income Tax | $6,068,000 | $3,517,000 | $1,830,000 | $-589,000 |
| Depreciation Amortization Depletion | $5,159,000 | $9,621,000 | $12,735,000 | $13,581,000 |
| Depreciation And Amortization | $5,159,000 | $9,621,000 | $12,735,000 | $13,581,000 |
| Earnings Losses From Equity Investments | $-4,974,000 | $-1,442,000 | $0 | $0 |
| Gain Loss On Investment Securities | $11,347,000 | $8,244,000 | $4,976,000 | $-9,352,000 |
| Gain Loss On Sale Of PPE | $2,000 | $5,000 | $3,000 | $1,000 |
| Net Income From Continuing Operations | $146,247,000 | $83,837,000 | $39,479,000 | $3,340,000 |
| Interest Received Cfo | - | - | $4,067,000 | $3,354,000 |
| Change In Other Current Liabilities | - | - | - | $0 |
| Unrealized Gain Loss On Investment Securities | - | - | - | - |
Fetched: 2026-09-01