Company Overview
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.
Why Investors Should Care
Generates a return on equity of 58.2%, reflecting efficient use of shareholder capital.
Return on capital employed stands at 22.1%.
Trades at a P/E of 1.8, below the sector median of 13.6.
Maintains a net profit margin of 31.1%.
Recent Developments
- Trailing 12 Months Year-on-year growth — revenue -13.9%, earnings +262.8%.
- 5-Year Trend Long-term compounding — profit CAGR 0.8%.
Growth & Price Performance
Compounded Sales Growth
| 5 Years: | - |
| 1 Year: | -13.90% |
Compounded Profit Growth
| 5 Years: | 0.75% |
| 1 Year: | 262.76% |
Stock Price Performance
| 1 Year: | -49.63% |
| 6 Months: | -37.92% |
| 3 Months: | -42.46% |
| 1 Month: | -13.14% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- Price vs 50-DMABelow
- Price vs 200-DMABelow
- RSI (14)29.35 · Oversold
P/E of 1.80 is below the sector median of 13.55 — relatively cheaper than peers.
Auto-generated from price history and fundamentals; not investment advice.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth Charts
No fundamental data available for this stock.
Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.
PROS
- Strong return on equity of 58.2%.
- Healthy ROCE of 22.1%.
- Excellent profit margin of 31.1%.
CONS
- Trading 55.7% below its 52-week high.
- In a downtrend (50-DMA below 200-DMA).
* The pros and cons are auto-generated from financial metrics.
Valuation
Growth (CAGR)
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
Peer comparison
Peer companies in the same sector (Financial Services).
| # | Name | CMP $ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | OPFI OppFi Inc. R2KFINANCIAL | 5.42 | 1.80 | $461.83M | 0.00% | 22.11% | 58.24% | - | 0.75% |
| 2 | JPM JPMorgan Chase & Co. SPXR3KFINANCIAL | 331.58 | 14.21 | $881.40B | 1.72% | - | 17.79% | 12.50% | 14.83% |
| 3 | BRK-B Berkshire Hathaway Inc. SPXFINANCIAL | 542.19 | 13.64 | $763.42B | 0.00% | - | 12.12% | 4.18% | 9.44% |
| 4 | V Visa Inc. SPXR3KFINANCIAL | 407.92 | 34.69 | $695.14B | 0.72% | 37.15% | 61.19% | 14.33% | 13.04% |
| 5 | MA Mastercard Incorporated SPXR3KFINANCIAL | 623.60 | 34.34 | $542.20B | 0.62% | 60.19% | - | 12.29% | 19.21% |
| 6 | BRK-A Berkshire Hathaway Inc. FINANCIAL | 813,595.00 | 13.64 | $397.40B | 0.00% | - | 12.12% | 7.60% | 10.02% |
| 7 | BAC Bank of America Corporation SPXR3KFINANCIAL | 50.56 | 11.68 | $353.55B | 2.39% | - | 11.20% | 3.14% | 4.27% |
| 8 | HSBC HSBC Holdings plc FINANCIAL | 90.68 | 12.95 | $310.38B | 3.65% | - | 13.10% | 9.75% | 12.72% |
| 9 | MS Morgan Stanley SPXR3KFINANCIAL | 179.49 | 14.51 | $281.90B | 2.26% | - | 17.97% | 3.76% | 9.66% |
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios
Quarterly Results
Figures in USD.
| Metric | Sep 2020 | Mar 2021 | Jun 2021 | Sep 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Income | 19.34M | 24.38M | 17.99M | 11.51M | -2.16M | 6.40M | -969.00K | 3.73M | 18.33M | 15.58M | 5.28M | 29.49M | 35.09M | 42.49M | 44.81M | 48.45M | 35.36M | 24.36M |
| Net Income | -1.00K | -3.09M | -16.26M | 14.12M | 1.08M | 3.46M | -571.00K | 251.00K | 2.14M | 2.17M | 5.54M | 3.07M | 4.26M | -11.37M | -20.78M | 41.63M | 28.40M | 14.84M |
| Diluted EPS | 0.00 | - | - | 0.29 | 0.00 | 0.10 | -0.04 | 0.02 | 0.14 | 0.13 | 0.10 | 0.16 | 0.21 | -0.48 | -0.78 | 0.77 | 0.56 | 0.18 |
Profit & Loss (Annual)
Figures in USD.
| Metric | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|
| Operating Income | 32.99M | 77.52M | 57.26M | -6.34M | 46.35M | 94.54M | 166.68M |
| Net Income | - | - | 25.55M | 7.10M | -1.00M | 7.26M | 26.33M |
| Diluted EPS | 0.00 | 0.00 | 0.48 | 0.05 | -0.06 | 0.36 | 0.99 |
Balance Sheet (Annual)
Figures in USD.
| Metric | Jun 2020 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|
| Total Assets | - | 285.84M | 502.11M | 579.84M | 601.54M | 641.17M | 754.09M |
| Total Equity | 0 | 6.24M | -9.04M | -494.00K | 10.44M | 32.77M | 58.48M |
| Cash & Equivalents | - | 25.60M | 25.06M | 16.24M | 31.79M | 61.34M | 49.45M |
| Long Term Debt | - | - | 50.00M | - | - | - | - |
| Total Liabilities | - | 186.51M | 344.23M | 420.69M | 407.51M | 406.96M | 445.21M |
| Current Liabilities | - | 135.65K | - | - | - | - | - |
Cash Flows (Annual)
Figures in USD.
| Metric | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|
| Operating Cash Flow | 148.92M | 192.11M | 167.35M | 243.30M | 296.15M | 323.81M | 401.31M |
| Investing Cash Flow | -214.15M | -98.31M | -199.47M | -317.24M | -244.29M | -243.44M | -307.80M |
| Financing Cash Flow | 78.01M | -84.12M | 48.83M | 61.26M | -27.58M | -66.02M | -88.53M |
| Share Buybacks | - | 0 | 0 | 2.46M | 0 | 3.55M | 15.52M |
Ratios (Annual)
Figures in %.
| Metric | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|
| Gross Margin % | - | - | - | - | - | - | - |
| Operating Margin % | - | - | - | - | - | - | - |
| Net Margin % | - | - | - | - | - | - | - |
| ROE % | - | - | -282.7% | -1,436.8% | -9.6% | 22.1% | 45.0% |
| ROCE % | - | 27.1% | - | - | - | - | - |
Shareholding Pattern
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | Wellington Management Group, LLP | 3.54% | 3.02M | $17.90M |
| 2 | Vanguard Capital Management LLC | 2.60% | 2.22M | $13.15M |
| 3 | Blackrock Inc. | 2.40% | 2.05M | $12.14M |
| 4 | Citadel Advisors Llc | 1.25% | 1.07M | $6.32M |
| 5 | Corsair Capital Management, L.P. | 1.24% | 1.05M | $6.25M |
| 6 | M3F, Inc. | 0.90% | 764.45K | $4.53M |
| 7 | Geode Capital Management, LLC | 0.87% | 742.86K | $4.41M |
| 8 | Two Sigma Investments, LP | 0.79% | 669.26K | $3.97M |
| 9 | Dimensional Fund Advisors LP | 0.76% | 646.23K | $3.83M |
| 10 | Nuveen, LLC | 0.75% | 641.38K | $3.80M |
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
Recent headlines for OPFI
OppFi Inc. Estimates – NYSE:OPFI - TradingView
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OPFI: OppFi Inc Latest Stock Price, Analysis, News and Trading Ideas - Stocktwits
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OppFi (OPFI) Stock Fair Value Falls After Analysts Reassess Guidance And Credit Risk - Yahoo Finance
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OPFI - OppFi Inc. | News - OTC Markets
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Why OppFi Stock Swooned by Almost 25% Today - The Motley Fool
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OppFi Announces its Third Quarter 2026 Earnings Conference Call - Yahoo Finance
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OPFI — Frequently Asked Questions
What is the current share price of OppFi Inc. (OPFI)?
As of 2026-10-23 16:27 PDT, OppFi Inc. (OPFI) trades at $5.42 on NYSE. Its 52-week range is $5.42 to $12.24.
What is the market capitalisation of OPFI?
OppFi Inc. (OPFI) has a market capitalisation of $461.83M on NYSE.
What is the P/E ratio of OPFI?
OPFI trades at a trailing price-to-earnings (P/E) ratio of 1.80. The industry average P/E is 13.55. Its price-to-book (P/B) ratio is 1.34.
What is the return on equity (ROE) of OPFI?
OPFI has a return on equity (ROE) of 58.24%. Its return on capital employed (ROCE) is 22.11%.
Is OPFI a good stock to buy?
This page provides a data-driven analysis of OppFi Inc. (OPFI), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.