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OppFi Inc.

OPFI

$9.40 ▼ -0.35 (-3.59%) at close

25 Visible periods

32 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 $251.7M

Dividend Yield —

Revenue Growth -3.9%

Op. Margin 40.5%

ROIC 43.5% ↘

FCF / Share $3.39

Trailing P/E 8.9x

Price / Book 3.3x

FCF Yield 36.1%

Debt / Equity —

info Valuation on last close. End-of-day price, Aug 7, 2026.

25-Year Financial Trajectory

Quarterly

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$87.30M

↓ -3.9% —

Net Income Profit after all expenses

$28.40M

↑ +68.6% —

Operating Margin Operating profit as % of sales

40.5%

↓ -12.6% 95th

FCF / Share Free cash flow per share

$3.39

↓ -4.1% —

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	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Apr 18, 2025 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q4 FY2019 Jun 23, 2020 10-K ↗
Revenue Growth YoY (%)	-3.9% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-164%)	—	14.7% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+145%)	16.2% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+170%)	43.7% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+628%)	—	20.5% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+241%)	15.7% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+162%)	10.5% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+76%)	—	43.8% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+630%)	14.5% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+141%)	12.7% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+112%)	—	-27.8% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-563%)	-2.8% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-147%)	-18.0% Weak Weak Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-400%)	—	62.4% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+940%)	—	—	—	—	—	—
EPS Growth YoY (%)	N/M	N/M	604.8% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	N/M	N/M	17.1% Good ↓ Good Declining Year-over-year change in earnings per share Optimal: > 10%	61.5% Excellent ↓ Excellent Declining Year-over-year change in earnings per share Optimal: > 10%	14.3% Fair Fair Year-over-year change in earnings per share Optimal: > 10%	1350.0% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	N/M	N/M	-46.2% Weak ↑ Weak Improving Year-over-year change in earnings per share Optimal: > 10%	-75.0% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	-74.1% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	N/M	—	—	—	—	—	—	—	—	—	—
Net Income Growth YoY (%)	N/M	N/M	876.4% Excellent Excellent Year-over-year change in net income	N/M	N/M	-0.8% Weak ↓ Weak Declining Year-over-year change in net income	96.6% Excellent ↓ Excellent Declining Year-over-year change in net income	43.1% Excellent Excellent Year-over-year change in net income	2106.0% Excellent Excellent Year-over-year change in net income	N/M	N/M	-38.1% Weak ↑ Weak Improving Year-over-year change in net income	-76.7% Weak → Weak Stable Year-over-year change in net income	-72.6% Weak ↑ Weak Improving Year-over-year change in net income	N/M	-80.8% Weak ↓ Weak Declining Year-over-year change in net income	-95.6% Weak Weak Year-over-year change in net income	—	-27.0% Weak Weak Year-over-year change in net income	—	—	—	—	—	—
FCF Growth YoY (%)	-4.1% Weak Weak Year-over-year change in free cash flow	—	—	—	-8.8% Weak Weak Year-over-year change in free cash flow	—	—	—	-11.2% Weak Weak Year-over-year change in free cash flow	—	—	—	32.5% Excellent Excellent Year-over-year change in free cash flow	—	—	—	—	—	—	—	—	—	—	—	—
Revenue CAGR 3Y (%)	15.1% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	—	25.7% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	15.4% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	21.4% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	—	7.7% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	8.8% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	0.7% Weak Weak Compound annual revenue growth over 3 years	—	19.0% Excellent Excellent Compound annual revenue growth over 3 years	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Revenue CAGR 5Y (%)	7.1% Fair Fair Compound annual revenue growth over 5 years	—	18.4% Excellent Excellent Compound annual revenue growth over 5 years	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
EPS CAGR 3Y (%)	275.6% Excellent Excellent Compound annual EPS growth over 3 years	42.0% Excellent Excellent Compound annual EPS growth over 3 years	—	—	—	—	-41.7% Weak Weak Compound annual EPS growth over 3 years	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Apr 18, 2025 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q4 FY2019 Jun 23, 2020 10-K ↗
Operating Margin (%) (%)	40.5% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+62%)	—	46.3% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+85%)	44.7% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+79%)	46.8% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+87%)	—	38.5% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+54%)	34.2% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+37%)	8.4% Caution ↓ Caution Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-67%)	—	20.6% Good ↑ Good Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-18%)	24.6% Good ↑ Good Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	6.5% Caution ↑ Caution Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-74%)	—	-1.8% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-107%)	9.8% Caution ↑ Caution Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-61%)	-4.3% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-117%)	—	15.8% Fair ↓ Fair Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-37%)	26.8% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+7%)	39.4% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+58%)	—	43.1% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+72%)	—	—
Effective Tax Rate (%) (%)	6.8% Excellent → Excellent Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	3.4% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	6.9% Excellent → Excellent Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	9.6% Excellent ↑ Excellent Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	7.5% Excellent ↑ Excellent Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	4.1% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	6.7% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	3.2% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	3.8% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	34.8% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	2.9% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	3.7% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	3.6% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	28.1% Caution ↓ Caution Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	286.7% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	2.1% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	222.2% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	-2.4% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	2.3% Excellent ↑ Excellent Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	0.0% Excellent → Excellent Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	0.0% 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 (%) (%)	32.5% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+48%)	—	39.8% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+81%)	-20.7% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-194%)	-12.5% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-157%)	—	4.7% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-79%)	3.6% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-84%)	8.8% Caution ↑ Caution Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-60%)	—	2.9% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-87%)	2.9% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-87%)	0.4% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-98%)	—	-1.1% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-105%)	5.3% Caution ↓ Caution Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-76%)	2.1% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-90%)	—	19.4% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-12%)	26.8% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+22%)	39.4% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+79%)	—	43.1% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+96%)	—	—
FCF Margin (%) (%)	104.0% Excellent ↑ Excellent Improving Free cash flow as a percentage of revenue Optimal: > 10%	—	100.5% Excellent ↑ Excellent Improving Free cash flow as a percentage of revenue Optimal: > 10%	95.4% Excellent Excellent Free cash flow as a percentage of revenue Optimal: > 10%	92.2% Excellent Excellent Free cash flow as a percentage of revenue Optimal: > 10%	—	—	—	117.7% Excellent Excellent Free cash flow as a percentage of revenue Optimal: > 10%	—	—	—	114.8% Excellent Excellent Free cash flow as a percentage of revenue Optimal: > 10%	—	—	—	88.2% Excellent Excellent Free cash flow as a percentage of revenue Optimal: > 10%	—	—	58.9% Excellent Excellent Free cash flow as a percentage of revenue Optimal: > 10%	73.3% Excellent Excellent Free cash flow as a percentage of revenue Optimal: > 10%	—	—	—	—
FCF / Net Income (x)	3.20x Excellent ↑ Excellent Improving Free cash flow relative to reported net income Optimal: > 1x	6.93x Excellent ↑ Excellent Improving Free cash flow relative to reported net income Optimal: > 1x	2.52x Excellent ↑ Excellent Improving Free cash flow relative to reported net income Optimal: > 1x	-4.60x Weak ↑ Weak Improving Free cash flow relative to reported net income Optimal: > 1x	-7.36x Weak Weak Free cash flow relative to reported net income Optimal: > 1x	-16.85x Weak Weak Free cash flow relative to reported net income Optimal: > 1x	—	—	13.44x Excellent Excellent Free cash flow relative to reported net income Optimal: > 1x	-14.83x Weak Weak Free cash flow relative to reported net income Optimal: > 1x	—	—	261.50x Excellent Excellent Free cash flow relative to reported net income Optimal: > 1x	22.66x Excellent Excellent Free cash flow relative to reported net income Optimal: > 1x	—	—	41.57x Excellent ↑ Excellent Improving Free cash flow relative to reported net income Optimal: > 1x	4.13x Excellent ↑ Excellent Improving Free cash flow relative to reported net income Optimal: > 1x	—	2.19x Excellent Excellent Free cash flow relative to reported net income Optimal: > 1x	1.86x Excellent Excellent Free cash flow relative to reported net income Optimal: > 1x	—	—	—	—

🎯 Is capital allocation efficient? 3 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Apr 18, 2025 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q4 FY2019 Jun 23, 2020 10-K ↗
Return on Invested Capital (%)	43.5% Excellent ↓ Excellent Declining Return earned on debt + equity capital invested Optimal: > 10%	51.1% Excellent ↓ Excellent Declining Return earned on debt + equity capital invested Optimal: > 10%	91.2% Excellent ↓ Excellent Declining Return earned on debt + equity capital invested Optimal: > 10%	303.3% Excellent ↑ Excellent Improving Return earned on debt + equity capital invested Optimal: > 10%	174.3% Excellent ↑ Excellent Improving Return earned on debt + equity capital invested Optimal: > 10%	72.2% Excellent ↓ Excellent Declining Return earned on debt + equity capital invested Optimal: > 10%	93.9% Excellent → Excellent Stable Return earned on debt + equity capital invested Optimal: > 10%	153.2% Excellent ↑ Excellent Improving Return earned on debt + equity capital invested Optimal: > 10%	28.0% Excellent ↓ Excellent Declining Return earned on debt + equity capital invested Optimal: > 10%	—	132.6% Excellent ↓ Excellent Declining Return earned on debt + equity capital invested Optimal: > 10%	237.2% Excellent ↑ Excellent Improving Return earned on debt + equity capital invested Optimal: > 10%	250.1% Excellent ↑ Excellent Improving Return earned on debt + equity capital invested Optimal: > 10%	—	-55.8% Weak ↑ Weak Improving Return earned on debt + equity capital invested Optimal: > 10%	-157.7% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	-30.2% Weak Weak Return earned on debt + equity capital invested Optimal: > 10%	—	42.0% Excellent Excellent Return earned on debt + equity capital invested Optimal: > 10%	—	—	—	—	—	—
Return on Capital (%) (%)	4.9% Caution ↓ Caution Declining Operating profit relative to total assets Optimal: > 10%	4.1% Caution ↓ Caution Declining Operating profit relative to total assets Optimal: > 10%	6.7% Caution ↑ Caution Improving Operating profit relative to total assets Optimal: > 10%	6.7% Caution ↑ Caution Improving Operating profit relative to total assets Optimal: > 10%	6.6% Caution ↑ Caution Improving Operating profit relative to total assets Optimal: > 10%	3.8% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	5.7% Caution ↑ Caution Improving Operating profit relative to total assets Optimal: > 10%	5.1% Caution ↑ Caution Improving Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	—	2.6% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	3.2% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.7% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	—	-0.2% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.1% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	-0.4% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	2.6% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—	—	—	—	—
Return on Common Equity (%) (%)	37.5% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+213%)	28.8% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+140%)	84.2% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+602%)	-155.6% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-1397%)	-50.4% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-520%)	-17.1% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-243%)	12.2% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	16.5% Good ↓ Good Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+37%)	30.5% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+154%)	—	19.0% Good ↓ Good Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+58%)	28.8% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+140%)	17.5% Good ↑ Good Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+45%)	—	17.6% Good ↑ Good Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+47%)	-87.0% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-825%)	-12.3% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-203%)	—	-60.9% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-608%)	—	—	—	—	—	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Apr 18, 2025 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q4 FY2019 Jun 23, 2020 10-K ↗
Debt to Equity (x)	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	-2.16x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-280%)	—	—	—	—	—	—
Interest Coverage (x)	4.33x Fair ↓ Fair Declining Operating income divided by interest expense Optimal: > 5x	3.82x Fair ↓ Fair Declining Operating income divided by interest expense Optimal: > 5x	4.90x Fair ↑ Fair Improving Operating income divided by interest expense Optimal: > 5x	5.01x Good ↑ Good Improving Operating income divided by interest expense Optimal: > 5x	4.62x Fair Fair Operating income divided by interest expense Optimal: > 5x	2.38x Caution Caution Operating income divided by interest expense Optimal: > 5x	—	—	0.47x Weak ↓ Weak Declining Operating income divided by interest expense Optimal: > 5x	0.76x Weak ↓ Weak Declining Operating income divided by interest expense Optimal: > 5x	1.36x Weak ↑ Weak Improving Operating income divided by interest expense Optimal: > 5x	1.71x Caution ↑ Caution Improving Operating income divided by interest expense Optimal: > 5x	0.35x Weak ↑ Weak Improving Operating income divided by interest expense Optimal: > 5x	-0.98x Weak ↓ Weak Declining Operating income divided by interest expense Optimal: > 5x	-0.11x Weak ↓ Weak Declining Operating income divided by interest expense Optimal: > 5x	0.86x Weak ↑ Weak Improving Operating income divided by interest expense Optimal: > 5x	-0.32x Weak ↓ Weak Declining Operating income divided by interest expense Optimal: > 5x	0.56x Weak ↓ Weak Declining Operating income divided by interest expense Optimal: > 5x	1.97x Caution ↓ Caution Declining Operating income divided by interest expense Optimal: > 5x	3.13x Fair ↓ Fair Declining Operating income divided by interest expense Optimal: > 5x	6.17x Good ↑ Good Improving Operating income divided by interest expense Optimal: > 5x	4.03x Fair Fair Operating income divided by interest expense Optimal: > 5x	4.79x Fair Fair Operating income divided by interest expense Optimal: > 5x	—	—
Net Debt (USD)	$-63.87M	$-49.45M	$-45.45M	$-45.23M	$-57.95M	$-61.34M	$-44.84M	$-46.62M	$-47.18M	—	$-31.12M	$-26.80M	$-32.19M	—	$-14.01M	$-23.47M	$-27.02M	—	$22.37M	—	—	—	—	—	—
Debt / EBITDA (x)	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	4.34x Weak Weak Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	—	—	—	—	—	—

📊 What does each share earn? 8 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Apr 18, 2025 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q4 FY2019 Jun 23, 2020 10-K ↗
Revenue per Share (USD)	$3.26	—	$3.71	$3.77	$3.83	—	$4.50	$4.39	$3.29	—	$4.51	$4.77	$3.80	—	$3.77	$4.82	$3.73	—	$5.45	—	—	—	—	—	—
Basic EPS, GAAP (USD)	$1.06	$0.63	$1.48	$-0.78	$-0.48	$-0.29	$0.21	$0.16	$0.29	$-0.35	$0.13	$0.14	$0.02	$0.22	$-0.04	$0.26	$0.08	$0.85	$1.06	—	—	$0.00	$0.00	—	—
Free Cash Flow per Share (USD)	$3.39	—	$3.73	$3.59	$3.53	—	—	—	$3.88	—	—	—	$4.36	—	—	—	$3.29	—	—	—	—	—	—	—	—
Dividend per Share (USD)	—	$0.00	$0.00	$0.00	$0.25	$0.00	$0.12	$0.12	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Book Value per Share (USD)	$2.83	—	$1.75	$0.50	$0.95	—	$1.72	$0.95	$0.95	—	$0.68	$0.48	$0.10	—	$-0.23	$-0.29	$-0.64	—	$-1.73	—	—	—	—	—	—
Tangible Book Value per Share (USD)	$2.83	—	$1.75	$0.50	$0.95	—	$1.72	$0.95	$0.95	—	$0.68	$0.48	$0.10	—	$-0.23	$-0.29	$-0.64	—	$-1.73	—	—	—	—	—	—
Basic Weighted Avg Shares (shares)	26.78M	—	28.16M	26.61M	23.69M	—	20.25M	19.68M	19.21M	—	16.77M	15.63M	15.04M	—	13.97M	13.53M	13.58M	—	13.36M	—	—	—	0	—	—
Dividend Payout Ratio (%)	—	0.0% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	0.0% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	0.0% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	-52.1% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	0.0% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—

🏦 How resilient is the balance sheet? 2 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Apr 18, 2025 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q4 FY2019 Jun 23, 2020 10-K ↗
LT Debt (USD)	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	$50.00M	—	—	—	—	—	—
Total Equity (USD)	$75.65M	$58.48M	$49.42M	$13.35M	$22.55M	$32.77M	$34.89M	$18.63M	$18.18M	—	$11.41M	$7.45M	$1.44M	—	$-3.24M	$-3.98M	$-8.75M	—	$-23.18M	—	—	—	—	—	$0.00

📋 What is driving earnings? 3 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Apr 18, 2025 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q4 FY2019 Jun 23, 2020 10-K ↗
Sales/Revenue/Turnover (USD)	$87.30M	—	$104.56M	$100.25M	$90.81M	—	$91.17M	$86.28M	$63.21M	—	$75.67M	$74.58M	$57.19M	—	$52.63M	$65.15M	$50.73M	—	$72.89M	$67.04M	$61.86M	—	$44.88M	—	—
Net Income, GAAP (USD)	$28.40M	$16.85M	$41.63M	$-20.78M	$-11.37M	$-5.61M	$4.26M	$3.07M	$5.54M	$-5.57M	$2.17M	$2.14M	$251.00K	$3.13M	$-571.00K	$3.46M	$1.08M	$11.43M	$14.12M	$17.99M	$24.38M	—	$19.34M	$0.00	—
Operating Cash Flow (USD)	$90.78M	$116.82M	$105.12M	$95.62M	$83.74M	$94.51M	—	—	$74.43M	$82.56M	—	—	$65.64M	$71.03M	—	—	$44.73M	$47.26M	—	$39.48M	$45.36M	$48.69M	—	$0.00	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 7 years · 25 quarters

OppFi Inc.

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