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OppFi Inc.

OPFI

$9.75 ▼ -0.02 (-0.20%) at close

7 Visible periods

29 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Excellent

Bullish

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Analytical Summary

OppFi Inc. shows strong fundamentals with top-quartile Return on Common Equity (%) and Operating Margin (%). The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $258.4M

Dividend Yield 2.56%

Revenue Growth 18.6% ↗

Op. Margin 43.7% ↗

ROIC 267.0% ↘

FCF / Share $15.14 ↘

Trailing P/E 9.9x

Price / Book 4.4x

FCF Yield 155.3%

Debt / Equity —

info Valuation on last close. End-of-day price, Aug 6, 2026.

7-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$381.18M

↑ +18.6% —

Net Income Profit after all expenses

$26.33M

↑ +262.8% —

Operating Margin Operating profit as % of sales

43.7%

↑ +48.7% 95th

FCF / Share Free cash flow per share

$15.14

↓ -5.8% —

trending_up

Bullish Indicators

Operating Margin (%)Operating Margin (%) is in the top quartile
Return on Common Equity (%)Return on Common Equity (%) is in the top quartile

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability ↑

Returns

Financial Health ↑

Cash Quality ↑

Dividend History

Dividend / share · sourced from SEC filings

$0.25 Latest / share

+108.3% YoY

+108.3% 2-yr CAGR

FY 2019

FY 2020

FY 2021

FY 2022

FY 2023

$0.12

FY 2024

$0.25

FY 2025

Financial view

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Apr 18, 2025 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗
Revenue Growth YoY (%)	18.6% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+210%)	17.7% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+195%)	25.9% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+332%)	-17.7% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-395%)	31.7% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+428%)	74.3% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+1139%)	—
EPS Growth YoY (%)	175.0% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	N/M	N/M	-73.6% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	—	—	—
Net Income Growth YoY (%)	262.8% Excellent Excellent Year-over-year change in net income	N/M	N/M	-72.2% Weak ↓ Weak Declining Year-over-year change in net income	-67.0% Weak Weak Year-over-year change in net income	134.9% Excellent Excellent Year-over-year change in net income	—
FCF Growth YoY (%)	-5.8% Weak ↓ Weak Declining Year-over-year change in free cash flow	-11.0% Weak ↓ Weak Declining Year-over-year change in free cash flow	3.3% Caution Caution Year-over-year change in free cash flow	38.1% Excellent Excellent Year-over-year change in free cash flow	—	—	—
Revenue CAGR 3Y (%)	20.7% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	6.8% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	10.9% Good Good Compound annual revenue growth over 3 years	23.6% Excellent Excellent Compound annual revenue growth over 3 years	—	—	—
Revenue CAGR 5Y (%)	13.7% Excellent Excellent Compound annual revenue growth over 5 years	22.9% Excellent Excellent Compound annual revenue growth over 5 years	—	—	—	—	—
EPS CAGR 3Y (%)	24.7% Excellent Excellent Compound annual EPS growth over 3 years	-42.9% Weak Weak Compound annual EPS growth over 3 years	—	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Apr 18, 2025 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗
Operating Margin (%) (%)	43.7% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+75%)	29.4% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+18%)	17.0% Fair ↓ Fair Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-32%)	-2.9% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-112%)	21.7% Good ↓ Good Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-13%)	38.7% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+55%)	28.7% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+15%)
Effective Tax Rate (%) (%)	6.3% Excellent ↑ Excellent Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	4.8% Excellent ↑ Excellent Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	5.6% Excellent ↑ Excellent Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	-9.0% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	0.3% Excellent → Excellent Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	0.0% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%	0.0% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%
Profit Margin (%) (%)	6.9% Caution ↑ Caution Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-69%)	2.3% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-90%)	-0.4% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-102%)	3.3% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-85%)	9.7% Caution ↓ Caution Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-56%)	38.7% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+76%)	28.7% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+31%)
FCF Margin (%) (%)	105.3% Excellent → Excellent Stable Free cash flow as a percentage of revenue Optimal: > 10%	100.7% Excellent ↑ Excellent Improving Free cash flow as a percentage of revenue Optimal: > 10%	108.4% Excellent ↑ Excellent Improving Free cash flow as a percentage of revenue Optimal: > 10%	112.1% Excellent ↑ Excellent Improving Free cash flow as a percentage of revenue Optimal: > 10%	63.5% Excellent ↓ Excellent Declining Free cash flow as a percentage of revenue Optimal: > 10%	95.9% Excellent Excellent Free cash flow as a percentage of revenue Optimal: > 10%	129.6% Excellent Excellent Free cash flow as a percentage of revenue Optimal: > 10%
FCF / Net Income (x)	15.24x Excellent ↑ Excellent Improving Free cash flow relative to reported net income Optimal: > 1x	44.61x Excellent ↑ Excellent Improving Free cash flow relative to reported net income Optimal: > 1x	-294.67x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	34.28x Excellent ↑ Excellent Improving Free cash flow relative to reported net income Optimal: > 1x	6.55x Excellent ↑ Excellent Improving Free cash flow relative to reported net income Optimal: > 1x	2.48x Excellent Excellent Free cash flow relative to reported net income Optimal: > 1x	4.51x Excellent Excellent Free cash flow relative to reported net income Optimal: > 1x

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Apr 18, 2025 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗
Return on Invested Capital (%)	267.0% Excellent ↓ Excellent Declining Return earned on debt + equity capital invested Optimal: > 10%	274.6% Excellent ↓ Excellent Declining Return earned on debt + equity capital invested Optimal: > 10%	419.3% Excellent ↑ Excellent Improving Return earned on debt + equity capital invested Optimal: > 10%	1399.9% Excellent Excellent Return earned on debt + equity capital invested Optimal: > 10%	-631.2% Weak Weak Return earned on debt + equity capital invested Optimal: > 10%	—	—
Return on Capital (%) (%)	22.1% Excellent ↑ Excellent Improving Operating profit relative to total assets Optimal: > 10%	14.7% Good ↑ Good Improving Operating profit relative to total assets Optimal: > 10%	7.7% Fair ↓ Fair Declining Operating profit relative to total assets Optimal: > 10%	-1.1% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	11.4% Good Good Operating profit relative to total assets Optimal: > 10%	27.1% Excellent Excellent Operating profit relative to total assets Optimal: > 10%	—
Return on Common Equity (%) (%)	45.0% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+275%)	22.1% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+85%)	-9.6% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-180%)	—	-282.7% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-2456%)	—	—

⚖️ Is the balance sheet risky? 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Apr 18, 2025 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗
Interest Coverage (x)	4.62x Fair ↑ Fair Improving Operating income divided by interest expense Optimal: > 5x	2.22x Caution ↑ Caution Improving Operating income divided by interest expense Optimal: > 5x	1.06x Weak ↓ Weak Declining Operating income divided by interest expense Optimal: > 5x	-0.19x Weak ↓ Weak Declining Operating income divided by interest expense Optimal: > 5x	2.63x Caution ↓ Caution Declining Operating income divided by interest expense Optimal: > 5x	4.14x Fair Fair Operating income divided by interest expense Optimal: > 5x	1.64x Caution Caution Operating income divided by interest expense Optimal: > 5x
Net Debt (USD)	$-49.45M	$-61.34M	$-31.79M	$-16.24M	$-25.06M	$-25.60M	—

📊 What does each share earn? 8 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Apr 18, 2025 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗
Revenue per Share (USD)	$14.38	$15.96	$16.67	$15.59	$19.95	—	—
Basic EPS, GAAP (USD)	$0.99	$0.36	$-0.06	$0.51	$1.93	$0.00	$0.00
Free Cash Flow per Share (USD)	$15.14	$16.07	$18.07	$17.49	$12.66	—	—
Dividend per Share (USD)	$0.25	$0.12	—	—	—	—	—
Book Value per Share (USD)	$2.21	$1.63	$0.64	$-0.04	$-0.66	—	—
Tangible Book Value per Share (USD)	$2.21	$1.63	$0.64	$-0.04	$-0.66	—	—
Basic Weighted Avg Shares (shares)	26.51M	20.15M	16.39M	13.91M	13.22M	0	0
Dividend Payout Ratio (%)	25.3% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	33.3% Good Good Dividends paid as a percentage of earnings Optimal: 30-60%	—	—	—	—	—

🏦 How resilient is the balance sheet? 1 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Apr 18, 2025 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗
Total Equity (USD)	$58.48M	$32.77M	$10.44M	$-494.00K	$-9.04M	—	—

📋 What is driving earnings? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Apr 18, 2025 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗
Sales/Revenue/Turnover (USD)	$381.18M	$321.48M	$273.18M	$216.96M	$263.68M	$200.23M	$114.87M
Net Income, GAAP (USD)	$26.33M	$7.26M	$-1.00M	$7.10M	$25.55M	$77.52M	$32.99M
Operating Cash Flow (USD)	$401.31M	$323.81M	$296.15M	$243.30M	$167.35M	$192.11M	$148.92M

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bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 7 years · 25 quarters

OppFi Inc.

Analytical Summary

7-Year Financial Trajectory

Bullish Indicators

Bearish Risks

Health Breakdown

Dividend History

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