OppFi/$OPFI
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About OppFi
OppFi Inc is a tech-enabled, mission-driven specialty finance platform that broadens the reach of community banks to extend credit access to everyday Americans. It recognizes revenue through finance charges on installment and SalaryTap contracts based on the interest method.
Ticker
$OPFI
Sector
Primary listing
NYSE
Industry
Consumer Finance
Headquarters
Employees
445
ISIN
US68386H1032
Website
OppFi Metrics
BasicAdvanced
$354M
-
-$0.62
1.63
$0.25
1.85%
Price and volume
Market cap
$354M
Beta
1.63
52-week high
$17.73
52-week low
$3.09
Average daily volume
1.3M
Dividend rate
$0.25
Financial strength
Current ratio
16.567
Quick ratio
15.566
Long term debt to equity
121.639
Total debt to equity
121.639
Profitability
Gross margin (TTM)
100.00%
Net profit margin (TTM)
-3.16%
Operating margin (TTM)
42.66%
Effective tax rate (TTM)
5.49%
Revenue per employee (TTM)
$690,000
Management effectiveness
Return on assets (TTM)
15.64%
Return on equity (TTM)
43.36%
Valuation
Price to revenue (TTM)
0.94
Price to book
15.16
Price to tangible book (TTM)
1.35
Price to free cash flow (TTM)
0.898
Free cash flow yield (TTM)
111.41%
Free cash flow per share (TTM)
1,505.18%
Dividend yield (TTM)
1.85%
Growth
Revenue change (TTM)
31.47%
Earnings per share change (TTM)
-372.46%
3-year revenue growth (CAGR)
10.67%
3-year earnings per share growth (CAGR)
54.98%
What the Analysts think about OppFi
Analyst ratings (Buy, Hold, Sell) for OppFi stock.
Bulls say / Bears say
OppFi's stock has surged 245.3% over the past year, significantly outperforming its industry peers and the broader market, indicating strong investor confidence and potential for continued growth. (nasdaq.com)
The company has demonstrated impressive earnings performance, beating the Zacks Consensus Estimate in the trailing four quarters with an average earnings surprise of 73%, showcasing its ability to exceed market expectations. (nasdaq.com)
OppFi's strategic focus on serving underbanked consumers through its digital platform positions it to capitalize on a substantial market opportunity, with nearly 60 million U.S. consumers considered credit marginalized. (nasdaq.com)
OppFi's ability to underwrite riskier loans to serve underbanked customers can act towards its detriment. If the creditworthiness of consumers deteriorates, the company might have to deal with an increase in charge-offs, thus affecting its bottom line. (nasdaq.com)
OppFi's recent acquisition of a 35% equity interest in Bitty Advance introduces risks associated with scaling a small business lending platform, which may require extensive capital and time, potentially impacting profitability. (nasdaq.com)
The company's stock is trading at a high P/E ratio of 60.82, which is significantly above the market average of 21.88, suggesting that the stock may be overvalued and could be subject to a price correction. (marketbeat.com)
Data summarised monthly by Lightyear AI. Last updated on 8 Jun 2025.
OppFi Financial Performance
Revenues and expenses
OppFi Earnings Performance
Company profitability
OppFi News
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Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
Real-time US market data is sourced from the IEX order book provided by Polygon. After-hours US market data is 15 minutes delayed and may differ significantly from the actual tradable price at market open.
Capital at risk
Upcoming events
No upcoming events
FAQs
What’s the current market cap for OppFi stock?
OppFi (OPFI) has a market cap of $354M as of July 04, 2025.
What is the P/E ratio for OppFi stock?
The price to earnings (P/E) ratio for OppFi (OPFI) stock is 0 as of July 04, 2025.
Does OppFi stock pay dividends?
Yes, the OppFi (OPFI) stock pays dividends to shareholders. As of July 04, 2025, the dividend rate is $0.25 and the yield is 1.85%. OppFi has a payout ratio of 0% on a trailing twelve-month basis.
When is the next OppFi dividend payment date?
The next OppFi (OPFI) dividend payment date is unconfirmed.
What is the beta indicator for OppFi?
OppFi (OPFI) has a beta rating of 1.63. This means that it is more volatile than the market, on average. A beta of 1 would indicate the stock moves in-line with the market, while a beta of 2 would indicate the stock moves twice as much as the market.