OppFi (OPFI) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

OppFi

NYSE•Financial Services•Credit Services

$7.78-0.20(-0.03%)Pre-market

Market Cap

$475.29M

P/E

4.7x

P/S

0.8x

P/B

1.1x

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.

How this company scores

ExcellentMetricSide Score: 82/100

Strongest: Cash & Earnings Quality (25/25); weakest: Balance Sheet & Red Flags (15/25).

Profitability22/25

Growth20/25

Balance Sheet & Red Flags15/25

Cash & Earnings Quality25/25

Strengths

Rising free cash flowStrong marginsHigh ROERising earnings

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 4.7x5y range 0.8x – 86.6x

Currently near its 16-quarter median.

P/S · 0.8x5y range 0.0x – 1.1x

Currently above its 20-quarter median.

P/B · 1.1x5y range 1.1x – 27.9x

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

High Risk

Margin Pressure

Watch

Operating margins declined 14.1% — watch for continued compression, which may signal competitive or cost pressure.

Earnings Quality

Watch

FCF/Net Income has dropped below 0.7x in 3 quarters — monitor for earnings quality deterioration.

Price & Volume

Market Cap $475.29M

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $611.39M
Q. Revenue: $145.17M
TTM EBITDA: $143.09M
TTM Op. Income: $139.09M
Q. Op. Income: $24.36M
TTM Net Income: $101.72M
Q. Net Income: $14.84M
EPS: $0.22
Shares Out.: $67.51M

$611.39M in TTM revenue grew 10.2% YoY, reaching $145.17M last quarter. TTM EBITDA of $143.09M and TTM operating income of $139.09M show growth is flowing through to the bottom line. TTM net income of $101.72M means revenue is converting into profit. Across the last 8 quarters, TTM revenue has risen for 7 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

EBITDA Margin: 17.8%
Op. Margin: 16.8%
Net Margin: 10.2%

Op. margin of 16.8% is down 14.7% YoY — costs are rising relative to revenue. Net margin at 10.2% Over the past year, operating margin is down 47% — a weakening trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 4.7x
P/S Ratio: 0.8x
P/B Ratio: 1.1x

At 4.7x P/E, the stock trades below typical market levels. P/S of 0.8x and P/B of 1.1x provide additional context. P/E sits below typical market levels while revenue is growing. Over the past year, P/E is down 79% — a weakening trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $770.73M
Cash: $64.35M
Long-Term Debt: $276.45M
Book Value: $414.25M
D/E Ratio: 0.7
Debt/EBITDA: 10.7

With $770.73M in assets and $276.45M in long-term debt, D/E is 0.7and book value is $414.25M — a conservative capital structure with a cushion to weather downturns. Across the last 8 quarters, debt/equity has fallen for 4 consecutive quarters — an improving trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $92.03M
TTM Free Cash Flow: $384.90M
FCF Margin: 63.0%
FCF / Net Income: 3.8

TTM FCF of $384.90M on $92.03M in operating cash flow. The FCF / Net Income ratio of 3.8x means free cash flow covers net income — earnings are backed by cash. Over the past year, free cash flow is up 15% — a weakening trend.