OppFi (OPFI) Financial Metrics 2020-2026

Key metrics and charts across all fundamental categories.

Prices

Stock price and market valuation

Stock Price: $6.53
Market Cap: $440.86M

OPFI trades at $6.53, a 53.3% decrease year-over-year. Market capitalization stands at $440.86M, up 18.4% from the prior year. Track OPFI price trends and market cap history to understand how the market values this company over time.

Stock Price

How the market values the company over time

Market Cap

Total equity value as determined by the market

Revenue & Profit

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

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.

TTM Revenue

Reveals whether the core business is growing or shrinking

Quarterly Revenue

Highlights seasonal patterns and short-term momentum

TTM EBITDA

Shows if underlying operating profitability is improving

Quarterly EBITDA

Tracks near-term operating profitability trends

TTM Operating Income

Smoothed operating profit over the past four quarters

Quarterly Operating Income

Profit from core operations before financing costs

TTM Net Income

The bottom line — is the company making more money?

Quarterly Net Income

Short-term profit after all expenses and taxes

EPS

Earnings per share — profit attributable to each share

Shares Outstanding

Declining means buybacks benefit remaining holders

Assets & Liabilities

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.

Total Assets

Expanding asset base can indicate business growth

Cash & Equivalents

Shows liquidity available for opportunities or downturns

Long-Term Debt

Declining debt trend is generally positive

Book Value (Equity)

Growing book value signals intrinsic value creation

Debt / Equity

Lower means less reliance on borrowed money

Debt / EBITDA

Below 2x is conservative; above 4x is high

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.

Operating Cash Flow

Cash generated from core business operations

Free Cash Flow

Cash the business generates after maintaining itself

FCF Margin (TTM %)

TTM FCF / TTM Revenue — 10%+ signals a capital-efficient business model

FCF / Net Income (TTM)

TTM FCF / TTM Net Income — above 1 means earnings are backed by real cash

Margins

Profit margins across the income statement

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%

Gross Margin (%)

Revenue left after direct cost of goods sold

EBITDA Margin (%)

Operating profitability independent of capital structure

Operating & Net Margins (%)

How much of each dollar becomes profit

Price Ratios

Valuation multiples — is the company cheap or expensive?

P/E Ratio: 4.3x
P/S Ratio: 0.7x
P/B Ratio: 1.1x

At 4.3x P/E, the stock trades below typical market levels. P/S of 0.7x and P/B of 1.1x provide additional context. P/E sits below typical market levels while revenue is growing.

P/E Ratio

Higher suggests growth expectations; lower may signal undervaluation

P/S Ratio

Useful when earnings are volatile or negative

P/B Ratio

Below 1 means trading below accounting book value

EV / EBITDA

Lower multiple often signals better value

FCF Yield (TTM %)

TTM FCF / Market Cap — compare to bond yields

Earnings Yield (%)

Earnings return at current price — inverse of P/E

Others

Return ratios, efficiency, and credit metrics

ROE: 24.6%
ROA: 13.2%
Asset Turnover: 0.8
Rev/Share: $9.06
Interest Coverage: 3.0

ROE of 24.6% signals a durable competitive advantage — well above market averages. ROA of 13.2% shows how efficiently management uses assets to generate profit. Revenue per share at $9.056 removes dilution effects from top-line growth. Interest coverage of 3.0x indicates adequate but not generous interest coverage.

Return on Equity (ROE)

15%+ consistently signals a durable competitive advantage

Return on Assets (ROA)

How well management uses assets to generate profit

Asset Turnover

How efficiently assets generate each dollar of sales

Revenue per Share

Per-share revenue growth adjusted for dilution

Interest Coverage

How comfortably the company covers interest payments