OppFi Inc. OPFI R2K
Financial Services · Credit Services · United States
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.
READ MORE ›$8.49
-32.99% 1Y
Market & Price
Market Cap
$1.22B
Current Price
$8.49
High / Low (52W)
$14.61 / $7.52
Beta
1.87
Valuation
Stock P/E
4.18
Industry PE
12.01
Forward P/E
3.97
PEG Ratio
-
Book Value
$2.86
Price to Book
2.97
P/S
3.60
EV/EBITDA
-
Dividend Yield
-
Profitability & Returns
ROCE
57.26%
ROE
62.06%
ROA
26.45%
Profit Margin
19.44%
Op Margin
44.88%
EPS (Latest Qtr)
$0.56
EPS (TTM)
$2.03
Balance Sheet & Liquidity
Debt/Equity
0.86
Quick Ratio
5.79
Current Ratio
6.16
Debt
$295.19M
Total Assets
$754.09M
Current Assets
$639.50M
Working Capital
$553.52M
Ownership
Promoter Holding
60.46%
Chg in Prom Hold
-
FII / Inst Holding
23.42%
Chg in FII Hold
-
Financial Snapshot
Enterprise Value
$1.22B
Total Revenue (TTM)
$340.04M
EBITDA
-
Free Cash Flow
-
Operating Cash Flow
$408.34M
Shares Outstanding
85.39M
Gross Margin
100.00%
Payout Ratio
0.00%
Growth (CAGR)
Revenue 5Y
9.65%
Profit 5Y
54.80%
Revenue (YoY)
-2.20%
Earnings (YoY)
-
PROS
- Strong return on equity of 62.1%.
- Healthy ROCE of 57.3%.
- Profit CAGR of 54.8% over 5 years.
CONS
- Trading 41.9% below its 52-week high.
- In a downtrend (50-DMA below 200-DMA).
* The pros and cons are auto-generated from financial metrics.
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
No fundamental data available for this stock.
Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).
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. R2K | 8.49 | 4.18 | $1.22B | - | 57.26% | 62.06% | 9.65% | 54.80% |
| 2 | JPM JPMorgan Chase & Co. SPX | 299.31 | 14.33 | $802.00B | 2.00% | - | 16.47% | 12.50% | 14.83% |
| 3 | V Visa Inc. SPX | 326.36 | 28.48 | $620.65B | 0.82% | 38.38% | 60.35% | 10.92% | 10.28% |
| 4 | MA Mastercard Incorporated SPX | 493.98 | 28.57 | $436.47B | 0.70% | 61.47% | - | 13.82% | 14.66% |
| 5 | MS Morgan Stanley SPX | 208.00 | 18.84 | $328.08B | 1.92% | - | 16.39% | 9.52% | 15.20% |
| 6 | GS The Goldman Sachs Group, Inc. SPX | 1,025.56 | 18.73 | $302.55B | 1.76% | - | 14.55% | 7.16% | 15.11% |
| 7 | WFC Wells Fargo & Company SPX | 77.54 | 11.98 | $237.29B | 2.32% | - | 12.03% | 4.02% | 15.98% |
| 8 | BLK BlackRock, Inc. SPX | 1,046.88 | 26.32 | $162.51B | 2.19% | 4.89% | 11.90% | 10.65% | 2.36% |
| 9 | SCHW The Charles Schwab Corporation SPX | 87.35 | 17.37 | $151.91B | 1.47% | - | 19.08% | 4.83% | 7.21% |
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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 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 140.27M | 142.44M | 155.09M | 159.25M | 151.88M |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 24.02M | 27.39M | 24.59M | 24.05M | 22.76M |
| Gross Profit | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 116.24M | 115.05M | 130.50M | 135.20M | 129.12M |
| Operating Expenses | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 24.29M | 28.05M | 31.52M | 30.58M | 29.17M |
| 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 | - | 91.95M | 87.00M | 98.98M | 104.61M | 99.94M |
| EBITDA | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 93.71M | 88.51M | 100.11M | 105.38M | 100.54M |
| Interest Expense | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Pretax Income | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 22.04M | 12.70M | 81.58M | 39.81M | 58.01M |
| Tax Provision | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 1.65M | 1.22M | 5.65M | 1.36M | 3.97M |
| 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 | 16.85M | 28.40M |
| Diluted EPS | 0.00 | - | - | 0.29 | 0.00 | 0.10 | -0.04 | 0.02 | 0.14 | 0.13 | 0.10 | 0.16 | 0.21 | -0.26 | -0.48 | -0.78 | 0.77 | - | 0.56 |
Profit & Loss (Annual)
Figures in USD.
| Metric | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|
| Revenue | - | - | - | 452.86M | 508.95M | 525.96M | 597.05M |
| Cost of Revenue | - | - | - | 95.14M | 107.43M | 105.18M | 100.06M |
| Gross Profit | - | - | - | 357.72M | 401.52M | 420.78M | 496.99M |
| Operating Expenses | - | - | - | 126.53M | 123.75M | 121.80M | 114.44M |
| Operating Income | 32.99M | 77.52M | - | 231.19M | 277.77M | 298.98M | 382.55M |
| EBITDA | - | - | - | 244.77M | 290.51M | 308.60M | 387.70M |
| Interest Expense | - | - | 137.00K | 32.79M | 0 | - | - |
| Pretax Income | - | - | - | 3.06M | 41.81M | 88.05M | 156.13M |
| Tax Provision | - | - | - | -277.00K | 2.33M | 4.21M | 9.88M |
| Net Income | - | - | - | 7.10M | -1.00M | 7.26M | 26.33M |
| Diluted EPS | 0.00 | 0.00 | - | 0.05 | -0.06 | 0.36 | 0.99 |
Compounded Sales Growth
| 5 Years: | 9.65% |
| 1 Year: | -2.20% |
Compounded Profit Growth
| 5 Years: | 54.80% |
| 1 Year: | - |
Stock Price Performance
| 1 Year: | -32.99% |
| 6 Months: | -11.65% |
| 3 Months: | -7.52% |
| 1 Month: | -7.62% |
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 | - | 579.84M | 601.54M | 641.17M | 754.09M |
| Current Assets | - | - | - | 510.16M | 539.28M | 564.02M | 639.50M |
| Cash & Equivalents | - | 25.60M | - | 16.24M | 31.79M | 61.34M | 49.45M |
| Inventory | - | - | - | - | - | - | - |
| Receivables | - | - | - | 459.94M | 465.33M | 475.73M | 546.24M |
| Total Liabilities | - | 186.51M | - | 420.69M | 407.51M | 406.96M | 445.21M |
| Current Liabilities | - | 135.65K | - | 55.18M | 51.47M | 59.80M | 85.98M |
| Long Term Debt | - | - | - | 347.06M | 334.12M | 318.76M | 321.35M |
| Total Debt | - | - | - | 363.62M | 349.18M | 332.05M | 332.78M |
| Total Equity | 0 | 6.24M | - | -494.00K | 10.44M | 32.77M | 58.48M |
| Shares Outstanding | - | - | - | 15.46M | 19.55M | 23.77M | 30.55M |
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 | - | 243.30M | 296.15M | 323.81M | 401.31M |
| Investing Cash Flow | -214.15M | -98.31M | - | -317.24M | -244.29M | -243.44M | -307.80M |
| Financing Cash Flow | 78.01M | -84.12M | - | 61.26M | -27.58M | -66.02M | -88.53M |
| Capital Expenditure | - | - | - | -13.25M | -8.99M | -13.01M | -19.11M |
| Free Cash Flow | - | - | - | 230.05M | 287.15M | 310.80M | 382.19M |
| Net Change in Cash | - | - | - | -12.69M | 24.27M | 14.35M | 4.97M |
| 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 % | - | - | - | 79.0% | 78.9% | 80.0% | 83.2% |
| Operating Margin % | - | - | - | 51.1% | 54.6% | 56.8% | 64.1% |
| Net Margin % | - | - | - | 1.6% | -0.2% | 1.4% | 4.4% |
| ROE % | - | - | - | -1,436.8% | -9.6% | 22.1% | 45.0% |
| ROCE % | - | 27.1% | - | 44.1% | 50.5% | 51.4% | 57.3% |
Shareholding Pattern
Insiders
60.46%
Institutions
23.42%
Public Float
59.23%
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | Wellington Management Group, LLP | 3.08% | 2.63M | $22.33M |
| 2 | Blackrock Inc. | 2.27% | 1.94M | $16.43M |
| 3 | Vanguard Capital Management LLC | 1.39% | 1.19M | $10.07M |
| 4 | Two Sigma Investments, LP | 1.28% | 1.10M | $9.31M |
| 5 | Morgan Stanley | 0.83% | 710.31K | $6.03M |
| 6 | JPMORGAN CHASE & CO | 0.78% | 665.06K | $5.65M |
| 7 | Nuveen, LLC | 0.76% | 652.60K | $5.54M |
| 8 | Renaissance Technologies, LLC | 0.74% | 630.31K | $5.35M |
| 9 | Geode Capital Management, LLC | 0.72% | 611.18K | $5.19M |
| 10 | State Street Corporation | 0.63% | 536.22K | $4.55M |
Analyst View
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Analyst aggregate. Targets and ratings update periodically; not investment advice.
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