OppFi Inc. (OPFI) 10-Year Financial Performance & Capital Metrics

OPFI • • Industrial / General

TechnologyApplication SoftwareFinancial Technology & PaymentsDigital Banking Platforms

AboutOppFi Inc. operates a financial technology platform that allows banks to offer lending products. Its platform facilitates the OppLoan, an installment loan product; SalaryTap, a payroll deduction secured installment loan product; and OppFi Card, a credit card product. The company is based in Chicago, Illinois.Show more

Revenue $526M +3.3%
EBITDA $104M +76.3%
Net Income $7M +822.2%
EPS (Diluted) 0.36 +687.3%
Gross Margin 80% +1.4%
EBITDA Margin 19.8% +70.6%
Operating Margin 17.97% +97.3%
Net Margin 1.38% +798.7%
ROE 3.39% +695.6%
ROIC 13.95% +104.3%
Debt/Equity 1.42 -21.2%
Interest Coverage 0.52 -47.7%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓FCF machine: 59.1% free cash flow margin
✓High quality earnings: Operating CF exceeds net income
✓Strong 5Y sales CAGR of 37.4%
✓Trading at only 0.9x book value

✗Weaknesses

✗Weak 3Y average ROE of 2.4%
✗Profits declining 26.1% over 5 years
✗Shares diluted 22.9% in last year
✗Trading more than 30% below 52-week high

Price & Volume

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Growth Metrics

Revenue CAGR

10Y-

5Y37.43%

3Y14.48%

TTM9.63%

Profit (Net Income) CAGR

10Y-

5Y-26.13%

3Y-34.27%

TTM-46.93%

EPS CAGR

10Y-

5Y-32.35%

3Y-9.14%

TTM27518.75%

ROCE

10Y Avg13.86%

5Y Avg14.19%

3Y Avg8.01%

Latest16.71%

Peer Comparison

Digital Banking Platforms

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
GWREGuidewire Software, Inc.	14.12B	166.09	205.05	22.64%	7.23%	6%	2.09%	0.49
DAVEDave Inc.	2.34B	192.06	45.84	33.96%	29.87%	50.37%	5.33%	0.41
INTUIntuit Inc.	154.33B	554.58	40.57	15.63%	21.19%	21.31%	3.94%	0.34
CCBCoastal Financial Corporation	1.72B	113.69	34.98	30.92%	7.84%	10.04%	14.54%	0.12
SPNSSapiens International Corporation N.V.	2.43B	43.45	33.68	5.4%	11.4%	12.2%	2.97%	0.13
SSNCSS&C Technologies Holdings, Inc.	21B	86.05	28.68	6.89%	13.86%	12.2%	6.32%	1.09
TBBKThe Bancorp, Inc.	3.09B	70.39	16.41	16.11%	30.63%	29.28%	7.2%	0.16
CWANClearwater Analytics Holdings, Inc.	6.98B	24.19	14.40	22.72%	61.25%	19.6%	0.99%	0.07

Profit & Loss

	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Sales/Revenue+	107.3M	291.01M	350.57M	452.86M	508.95M	525.96M
Revenue Growth %	-	1.71%	0.2%	0.29%	0.12%	0.03%
Cost of Goods Sold+	0	44.2M	89.17M	95.14M	107.43M	105.18M
COGS % of Revenue	-	0.15%	0.25%	0.21%	0.21%	0.2%
Gross Profit+	107.3M	246.82M	261.4M	357.72M	401.52M	420.78M
Gross Margin %	1%	0.85%	0.75%	0.79%	0.79%	0.8%
Gross Profit Growth %	-	1.3%	0.06%	0.37%	0.12%	0.05%
Operating Expenses+	74.3M	169.3M	204.14M	364.06M	355.16M	326.24M
OpEx % of Revenue	0.69%	0.58%	0.58%	0.8%	0.7%	0.62%
Selling, General & Admin	29.34M	38.11M	88.94M	87.54M	86.66M	89.86M
SG&A % of Revenue	0.27%	0.13%	0.25%	0.19%	0.17%	0.17%
Research & Development	8.38M	0	0	0	0	21.17M
R&D % of Revenue	0.08%	-	-	-	-	0.04%
Other Operating Expenses	36.59M	131.19M	115.2M	276.52M	268.5M	215.21M
Operating Income+	32.99M	77.52M	57.26M	-6.34M	46.35M	94.54M
Operating Margin %	0.31%	0.27%	0.16%	-0.01%	0.09%	0.18%
Operating Income Growth %	-	1.35%	-0.26%	-1.11%	8.31%	1.04%
EBITDA+	32.99M	84.25M	67.54M	7.24M	59.09M	104.16M
EBITDA Margin %	0.31%	0.29%	0.19%	0.02%	0.12%	0.2%
EBITDA Growth %	-	1.55%	-0.2%	-0.89%	7.16%	0.76%
D&A (Non-Cash Add-back)	0	6.73M	10.28M	13.58M	12.73M	9.62M
EBIT	0	96.8M	90.24M	231.19M	277.77M	298.98M
Net Interest Income+	0	-21.23M	-137K	-35.16M	-46.75M	-182.23M
Interest Income	0	0	0	0	0	0
Interest Expense	0	19.28M	137K	35.16M	46.75M	182.23M
Other Income/Expense	0	0	32.85M	9.4M	-4.54M	-6.48M
Pretax Income+	32.99M	77.52M	90.11M	3.06M	41.81M	88.05M
Pretax Margin %	0.31%	0.27%	0.26%	0.01%	0.08%	0.17%
Income Tax+	0	0	311K	-277K	2.33M	4.21M
Effective Tax Rate %	1%	1%	0.28%	2.32%	-0.02%	0.08%
Net Income+	32.99M	77.52M	25.55M	7.1M	-1M	7.26M
Net Margin %	0.31%	0.27%	0.07%	0.02%	-0%	0.01%
Net Income Growth %	-	1.35%	-0.67%	-0.72%	-1.14%	8.22%
Net Income (Continuing)	32.99M	77.52M	89.8M	3.34M	39.48M	83.84M
Discontinued Operations	0	0	0	0	0	0
Minority Interest	0	0	166.92M	159.64M	183.59M	201.44M
EPS (Diluted)+	2.54	5.97	0.48	0.05	-0.06	0.36
EPS Growth %	-	1.35%	-0.92%	-0.9%	-2.22%	6.87%
EPS (Basic)	2.54	5.97	1.93	0.51	-0.06	0.36
Diluted Shares Outstanding	12.98M	12.98M	84.47M	84.26M	16.39M	20.15M
Basic Shares Outstanding	12.98M	12.98M	13.22M	13.91M	16.39M	20.15M
Dividend Payout Ratio	0.29%	0.2%	2%	0.18%	-	0.33%

Balance Sheet

	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Total Current Assets+	16.79M	267.9M	450.47M	510.16M	539.28M	564.02M
Cash & Short-Term Investments	16.79M	25.6M	25.06M	16.24M	31.79M	61.34M
Cash Only	16.79M	25.6M	25.06M	16.24M	31.79M	61.34M
Short-Term Investments	0	0	0	0	0	0
Accounts Receivable	0	222.24M	388.11M	459.94M	465.33M	475.73M
Days Sales Outstanding	-	278.75	404.09	370.71	333.72	330.14
Inventory	0	0	0	0	0	0
Days Inventory Outstanding	-	-	-	-	-	-
Other Current Assets	0	20.06M	37.3M	33.98M	42.15M	26.94M
Total Non-Current Assets+	269.84M	17.94M	51.63M	69.68M	62.27M	77.15M
Property, Plant & Equipment	6.57M	10.56M	14.64M	27.63M	22.47M	24.26M
Fixed Asset Turnover	16.33x	27.56x	23.94x	16.39x	22.65x	21.68x
Goodwill	0	0	0	0	0	0
Intangible Assets	0	0	0	0	0	0
Long-Term Investments	0	0	0	0	1.9M	19.19M
Other Non-Current Assets	263.27M	7.38M	11.4M	15.3M	12.11M	12.36M
Total Assets+	286.63M	285.84M	502.11M	579.84M	601.54M	641.17M
Asset Turnover	0.37x	1.02x	0.70x	0.78x	0.85x	0.82x
Asset Growth %	-	-0%	0.76%	0.15%	0.04%	0.07%
Total Current Liabilities+	15.35M	44.43M	58.14M	55.18M	51.47M	59.8M
Accounts Payable	0	1.38M	6.1M	6.34M	4.44M	879K
Days Payables Outstanding	-	11.4	24.97	24.32	15.09	3.05
Short-Term Debt	0	16.02M	22.44M	0	0	0
Deferred Revenue (Current)	0	0	0	0	0	0
Other Current Liabilities	15.35M	6.37M	2.51M	0	0	0
Current Ratio	1.09x	6.03x	7.75x	9.24x	10.48x	9.43x
Quick Ratio	1.09x	6.03x	7.75x	9.24x	10.48x	9.43x
Cash Conversion Cycle	-	-	-	-	-	-
Total Non-Current Liabilities+	233.83M	142.08M	286.09M	365.51M	356.04M	347.16M
Long-Term Debt	223.9M	142.08M	251.58M	347.06M	334.12M	318.76M
Capital Lease Obligations	0	0	0	16.56M	15.06M	13.29M
Deferred Tax Liabilities	0	0	0	0	0	0
Other Non-Current Liabilities	9.93M	0	34.51M	1.89M	6.86M	15.11M
Total Liabilities	249.18M	186.51M	344.23M	420.69M	407.51M	406.96M
Total Debt+	223.9M	158.1M	274.02M	363.62M	349.18M	332.05M
Net Debt	207.11M	132.5M	248.96M	347.38M	317.39M	270.71M
Debt / Equity	5.98x	1.59x	1.74x	2.28x	1.80x	1.42x
Debt / EBITDA	6.79x	1.88x	4.06x	50.23x	5.91x	3.19x
Net Debt / EBITDA	6.28x	1.57x	3.69x	47.99x	5.37x	2.60x
Interest Coverage	-	4.02x	417.93x	-0.18x	0.99x	0.52x
Total Equity+	37.45M	99.33M	157.88M	159.15M	194.03M	234.21M
Equity Growth %	-	1.65%	0.59%	0.01%	0.22%	0.21%
Book Value per Share	2.89	7.65	1.87	1.89	11.84	11.63
Total Shareholders' Equity	37.45M	99.33M	-9.04M	-494K	10.44M	32.77M
Common Stock	0	217.18M	11K	11K	11K	9K
Retained Earnings	30.58M	92.32M	-70.72M	-63.55M	-63.59M	-55.13M
Treasury Stock	0	0	0	-2.46M	-2.46M	-6.01M
Accumulated OCI	0	-217.18M	0	0	0	0
Minority Interest	0	0	166.92M	159.64M	183.59M	201.44M

Cash Flow

	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash from Operations+	148.92M	192.11M	167.35M	243.3M	296.15M	323.81M
Operating CF Margin %	1.39%	0.66%	0.48%	0.54%	0.58%	0.62%
Operating CF Growth %	-	0.29%	-0.13%	0.45%	0.22%	0.09%
Net Income	32.99M	77.52M	89.8M	3.34M	-1M	83.84M
Depreciation & Amortization	4.28M	6.73M	10.28M	13.58M	12.73M	9.62M
Stock-Based Compensation	66K	144K	3.01M	3.4M	4.1M	5.27M
Deferred Taxes	114.25M	0	-248K	-589K	1.83M	3.52M
Other Non-Cash Items	1.78M	92.73M	60.56M	232.91M	280.53M	214.75M
Working Capital Changes	-4.46M	14.99M	3.94M	-9.35M	-2.04M	6.81M
Change in Receivables	-5.06M	5.89M	-2.75M	-2M	-2.16M	-417K
Change in Inventory	5.06M	0	0	0	0	0
Change in Payables	1.14M	-3.37M	3.44M	238K	-1.9M	-3.56M
Cash from Investing+	-214.15M	-98.31M	-199.47M	-317.24M	-244.29M	-243.44M
Capital Expenditures	-6.64M	-10.72M	-14.37M	-13.25M	-8.99M	-13.01M
CapEx % of Revenue	0.06%	0.04%	0.04%	0.03%	0.02%	0.02%
Acquisitions	-	-	-	-	-	-
Investments	-	-	-	-	-	-
Other Investing	-207.51M	-87.59M	-185.1M	-302.69M	-235.3M	-230.43M
Cash from Financing+	78.01M	-84.12M	48.83M	61.26M	-27.58M	-66.02M
Debt Issued (Net)	-	-	-	-	-	-
Equity Issued (Net)	-	-	-	-	-	-
Dividends Paid	-9.48M	-15.78M	-51.02M	-1.31M	-10.23M	-2.37M
Share Repurchases	-	-	-	-	-	-
Other Financing	87.5M	-2.37M	-23.51M	-4.4M	-1.99M	-44.26M
Net Change in Cash	-	-	-	-	-	-
Free Cash Flow+	142.28M	181.39M	152.97M	230.05M	287.15M	310.8M
FCF Margin %	1.33%	0.62%	0.44%	0.51%	0.56%	0.59%
FCF Growth %	-	0.27%	-0.16%	0.5%	0.25%	0.08%
FCF per Share	10.96	13.98	1.81	2.73	17.52	15.43
FCF Conversion (FCF/Net Income)	4.51x	2.48x	6.55x	34.28x	-294.67x	44.61x
Interest Paid	0	19.97M	22.04M	32.09M	43.73M	42.57M
Taxes Paid	0	0	0	356K	73K	475K

Key Ratios

Metric	2019	2020	2021	2022	2023	2024
Return on Equity (ROE)	88.11%	113.34%	19.87%	4.48%	-0.57%	3.39%
Return on Invested Capital (ROIC)	-	24.41%	13.45%	-1.04%	6.83%	13.95%
Gross Margin	100%	84.81%	74.56%	78.99%	78.89%	80%
Net Margin	30.75%	26.64%	7.29%	1.57%	-0.2%	1.38%
Debt / Equity	5.98x	1.59x	1.74x	2.28x	1.80x	1.42x
Interest Coverage	-	4.02x	417.93x	-0.18x	0.99x	0.52x
FCF Conversion	4.51x	2.48x	6.55x	34.28x	-294.67x	44.61x
Revenue Growth	-	171.22%	20.46%	29.18%	12.39%	3.34%

Revenue by Segment

	2024
Reportable	321.48M
Reportable Growth	-

Frequently Asked Questions

Valuation & Price

OppFi Inc. (OPFI) has a price-to-earnings (P/E) ratio of 27.8x. This suggests investors expect higher future growth.

Growth & Financials

OppFi Inc. (OPFI) reported $573.5M in revenue for fiscal year 2024. This represents a 435% increase from $107.3M in 2019.

OppFi Inc. (OPFI) grew revenue by 3.3% over the past year. Growth has been modest.

Yes, OppFi Inc. (OPFI) is profitable, generating $3.9M in net income for fiscal year 2024 (1.4% net margin).

Dividend & Returns

Yes, OppFi Inc. (OPFI) pays a dividend with a yield of 1.18%. This makes it attractive for income-focused investors.

OppFi Inc. (OPFI) has a return on equity (ROE) of 3.4%. This is below average, suggesting room for improvement.

OppFi Inc. (OPFI) generated $360.4M in free cash flow for fiscal year 2024. Positive FCF indicates the company can fund dividends, buybacks, or reinvestment.

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OppFi Inc. (OPFI) 10-Year Financial Performance & Capital Metrics

OPFI • • Industrial / General

TechnologyApplication SoftwareFinancial Technology & PaymentsDigital Banking Platforms

Revenue $526M +3.3%
EBITDA $104M +76.3%
Net Income $7M +822.2%
EPS (Diluted) 0.36 +687.3%
Gross Margin 80% +1.4%
EBITDA Margin 19.8% +70.6%
Operating Margin 17.97% +97.3%
Net Margin 1.38% +798.7%
ROE 3.39% +695.6%
ROIC 13.95% +104.3%
Debt/Equity 1.42 -21.2%
Interest Coverage 0.52 -47.7%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓FCF machine: 59.1% free cash flow margin
✓High quality earnings: Operating CF exceeds net income
✓Strong 5Y sales CAGR of 37.4%
✓Trading at only 0.9x book value

✗Weaknesses

✗Weak 3Y average ROE of 2.4%
✗Profits declining 26.1% over 5 years
✗Shares diluted 22.9% in last year
✗Trading more than 30% below 52-week high

Price & Volume

Loading chart...

Growth Metrics

Revenue CAGR

10Y-

5Y37.43%

3Y14.48%

TTM9.63%

Profit (Net Income) CAGR

10Y-

5Y-26.13%

3Y-34.27%

TTM-46.93%

EPS CAGR

10Y-

5Y-32.35%

3Y-9.14%

TTM27518.75%

ROCE

10Y Avg13.86%

5Y Avg14.19%

3Y Avg8.01%

Latest16.71%

Peer Comparison

Digital Banking Platforms

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
GWREGuidewire Software, Inc.	14.12B	166.09	205.05	22.64%	7.23%	6%	2.09%	0.49
DAVEDave Inc.	2.34B	192.06	45.84	33.96%	29.87%	50.37%	5.33%	0.41
INTUIntuit Inc.	154.33B	554.58	40.57	15.63%	21.19%	21.31%	3.94%	0.34
CCBCoastal Financial Corporation	1.72B	113.69	34.98	30.92%	7.84%	10.04%	14.54%	0.12
SPNSSapiens International Corporation N.V.	2.43B	43.45	33.68	5.4%	11.4%	12.2%	2.97%	0.13
SSNCSS&C Technologies Holdings, Inc.	21B	86.05	28.68	6.89%	13.86%	12.2%	6.32%	1.09
TBBKThe Bancorp, Inc.	3.09B	70.39	16.41	16.11%	30.63%	29.28%	7.2%	0.16
CWANClearwater Analytics Holdings, Inc.	6.98B	24.19	14.40	22.72%	61.25%	19.6%	0.99%	0.07

Profit & Loss

	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Sales/Revenue+	107.3M	291.01M	350.57M	452.86M	508.95M	525.96M
Revenue Growth %	-	1.71%	0.2%	0.29%	0.12%	0.03%
Cost of Goods Sold+	0	44.2M	89.17M	95.14M	107.43M	105.18M
COGS % of Revenue	-	0.15%	0.25%	0.21%	0.21%	0.2%
Gross Profit+	107.3M	246.82M	261.4M	357.72M	401.52M	420.78M
Gross Margin %	1%	0.85%	0.75%	0.79%	0.79%	0.8%
Gross Profit Growth %	-	1.3%	0.06%	0.37%	0.12%	0.05%
Operating Expenses+	74.3M	169.3M	204.14M	364.06M	355.16M	326.24M
OpEx % of Revenue	0.69%	0.58%	0.58%	0.8%	0.7%	0.62%
Selling, General & Admin	29.34M	38.11M	88.94M	87.54M	86.66M	89.86M
SG&A % of Revenue	0.27%	0.13%	0.25%	0.19%	0.17%	0.17%
Research & Development	8.38M	0	0	0	0	21.17M
R&D % of Revenue	0.08%	-	-	-	-	0.04%
Other Operating Expenses	36.59M	131.19M	115.2M	276.52M	268.5M	215.21M
Operating Income+	32.99M	77.52M	57.26M	-6.34M	46.35M	94.54M
Operating Margin %	0.31%	0.27%	0.16%	-0.01%	0.09%	0.18%
Operating Income Growth %	-	1.35%	-0.26%	-1.11%	8.31%	1.04%
EBITDA+	32.99M	84.25M	67.54M	7.24M	59.09M	104.16M
EBITDA Margin %	0.31%	0.29%	0.19%	0.02%	0.12%	0.2%
EBITDA Growth %	-	1.55%	-0.2%	-0.89%	7.16%	0.76%
D&A (Non-Cash Add-back)	0	6.73M	10.28M	13.58M	12.73M	9.62M
EBIT	0	96.8M	90.24M	231.19M	277.77M	298.98M
Net Interest Income+	0	-21.23M	-137K	-35.16M	-46.75M	-182.23M
Interest Income	0	0	0	0	0	0
Interest Expense	0	19.28M	137K	35.16M	46.75M	182.23M
Other Income/Expense	0	0	32.85M	9.4M	-4.54M	-6.48M
Pretax Income+	32.99M	77.52M	90.11M	3.06M	41.81M	88.05M
Pretax Margin %	0.31%	0.27%	0.26%	0.01%	0.08%	0.17%
Income Tax+	0	0	311K	-277K	2.33M	4.21M
Effective Tax Rate %	1%	1%	0.28%	2.32%	-0.02%	0.08%
Net Income+	32.99M	77.52M	25.55M	7.1M	-1M	7.26M
Net Margin %	0.31%	0.27%	0.07%	0.02%	-0%	0.01%
Net Income Growth %	-	1.35%	-0.67%	-0.72%	-1.14%	8.22%
Net Income (Continuing)	32.99M	77.52M	89.8M	3.34M	39.48M	83.84M
Discontinued Operations	0	0	0	0	0	0
Minority Interest	0	0	166.92M	159.64M	183.59M	201.44M
EPS (Diluted)+	2.54	5.97	0.48	0.05	-0.06	0.36
EPS Growth %	-	1.35%	-0.92%	-0.9%	-2.22%	6.87%
EPS (Basic)	2.54	5.97	1.93	0.51	-0.06	0.36
Diluted Shares Outstanding	12.98M	12.98M	84.47M	84.26M	16.39M	20.15M
Basic Shares Outstanding	12.98M	12.98M	13.22M	13.91M	16.39M	20.15M
Dividend Payout Ratio	0.29%	0.2%	2%	0.18%	-	0.33%

Balance Sheet

	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Total Current Assets+	16.79M	267.9M	450.47M	510.16M	539.28M	564.02M
Cash & Short-Term Investments	16.79M	25.6M	25.06M	16.24M	31.79M	61.34M
Cash Only	16.79M	25.6M	25.06M	16.24M	31.79M	61.34M
Short-Term Investments	0	0	0	0	0	0
Accounts Receivable	0	222.24M	388.11M	459.94M	465.33M	475.73M
Days Sales Outstanding	-	278.75	404.09	370.71	333.72	330.14
Inventory	0	0	0	0	0	0
Days Inventory Outstanding	-	-	-	-	-	-
Other Current Assets	0	20.06M	37.3M	33.98M	42.15M	26.94M
Total Non-Current Assets+	269.84M	17.94M	51.63M	69.68M	62.27M	77.15M
Property, Plant & Equipment	6.57M	10.56M	14.64M	27.63M	22.47M	24.26M
Fixed Asset Turnover	16.33x	27.56x	23.94x	16.39x	22.65x	21.68x
Goodwill	0	0	0	0	0	0
Intangible Assets	0	0	0	0	0	0
Long-Term Investments	0	0	0	0	1.9M	19.19M
Other Non-Current Assets	263.27M	7.38M	11.4M	15.3M	12.11M	12.36M
Total Assets+	286.63M	285.84M	502.11M	579.84M	601.54M	641.17M
Asset Turnover	0.37x	1.02x	0.70x	0.78x	0.85x	0.82x
Asset Growth %	-	-0%	0.76%	0.15%	0.04%	0.07%
Total Current Liabilities+	15.35M	44.43M	58.14M	55.18M	51.47M	59.8M
Accounts Payable	0	1.38M	6.1M	6.34M	4.44M	879K
Days Payables Outstanding	-	11.4	24.97	24.32	15.09	3.05
Short-Term Debt	0	16.02M	22.44M	0	0	0
Deferred Revenue (Current)	0	0	0	0	0	0
Other Current Liabilities	15.35M	6.37M	2.51M	0	0	0
Current Ratio	1.09x	6.03x	7.75x	9.24x	10.48x	9.43x
Quick Ratio	1.09x	6.03x	7.75x	9.24x	10.48x	9.43x
Cash Conversion Cycle	-	-	-	-	-	-
Total Non-Current Liabilities+	233.83M	142.08M	286.09M	365.51M	356.04M	347.16M
Long-Term Debt	223.9M	142.08M	251.58M	347.06M	334.12M	318.76M
Capital Lease Obligations	0	0	0	16.56M	15.06M	13.29M
Deferred Tax Liabilities	0	0	0	0	0	0
Other Non-Current Liabilities	9.93M	0	34.51M	1.89M	6.86M	15.11M
Total Liabilities	249.18M	186.51M	344.23M	420.69M	407.51M	406.96M
Total Debt+	223.9M	158.1M	274.02M	363.62M	349.18M	332.05M
Net Debt	207.11M	132.5M	248.96M	347.38M	317.39M	270.71M
Debt / Equity	5.98x	1.59x	1.74x	2.28x	1.80x	1.42x
Debt / EBITDA	6.79x	1.88x	4.06x	50.23x	5.91x	3.19x
Net Debt / EBITDA	6.28x	1.57x	3.69x	47.99x	5.37x	2.60x
Interest Coverage	-	4.02x	417.93x	-0.18x	0.99x	0.52x
Total Equity+	37.45M	99.33M	157.88M	159.15M	194.03M	234.21M
Equity Growth %	-	1.65%	0.59%	0.01%	0.22%	0.21%
Book Value per Share	2.89	7.65	1.87	1.89	11.84	11.63
Total Shareholders' Equity	37.45M	99.33M	-9.04M	-494K	10.44M	32.77M
Common Stock	0	217.18M	11K	11K	11K	9K
Retained Earnings	30.58M	92.32M	-70.72M	-63.55M	-63.59M	-55.13M
Treasury Stock	0	0	0	-2.46M	-2.46M	-6.01M
Accumulated OCI	0	-217.18M	0	0	0	0
Minority Interest	0	0	166.92M	159.64M	183.59M	201.44M

Cash Flow

	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash from Operations+	148.92M	192.11M	167.35M	243.3M	296.15M	323.81M
Operating CF Margin %	1.39%	0.66%	0.48%	0.54%	0.58%	0.62%
Operating CF Growth %	-	0.29%	-0.13%	0.45%	0.22%	0.09%
Net Income	32.99M	77.52M	89.8M	3.34M	-1M	83.84M
Depreciation & Amortization	4.28M	6.73M	10.28M	13.58M	12.73M	9.62M
Stock-Based Compensation	66K	144K	3.01M	3.4M	4.1M	5.27M
Deferred Taxes	114.25M	0	-248K	-589K	1.83M	3.52M
Other Non-Cash Items	1.78M	92.73M	60.56M	232.91M	280.53M	214.75M
Working Capital Changes	-4.46M	14.99M	3.94M	-9.35M	-2.04M	6.81M
Change in Receivables	-5.06M	5.89M	-2.75M	-2M	-2.16M	-417K
Change in Inventory	5.06M	0	0	0	0	0
Change in Payables	1.14M	-3.37M	3.44M	238K	-1.9M	-3.56M
Cash from Investing+	-214.15M	-98.31M	-199.47M	-317.24M	-244.29M	-243.44M
Capital Expenditures	-6.64M	-10.72M	-14.37M	-13.25M	-8.99M	-13.01M
CapEx % of Revenue	0.06%	0.04%	0.04%	0.03%	0.02%	0.02%
Acquisitions	-	-	-	-	-	-
Investments	-	-	-	-	-	-
Other Investing	-207.51M	-87.59M	-185.1M	-302.69M	-235.3M	-230.43M
Cash from Financing+	78.01M	-84.12M	48.83M	61.26M	-27.58M	-66.02M
Debt Issued (Net)	-	-	-	-	-	-
Equity Issued (Net)	-	-	-	-	-	-
Dividends Paid	-9.48M	-15.78M	-51.02M	-1.31M	-10.23M	-2.37M
Share Repurchases	-	-	-	-	-	-
Other Financing	87.5M	-2.37M	-23.51M	-4.4M	-1.99M	-44.26M
Net Change in Cash	-	-	-	-	-	-
Free Cash Flow+	142.28M	181.39M	152.97M	230.05M	287.15M	310.8M
FCF Margin %	1.33%	0.62%	0.44%	0.51%	0.56%	0.59%
FCF Growth %	-	0.27%	-0.16%	0.5%	0.25%	0.08%
FCF per Share	10.96	13.98	1.81	2.73	17.52	15.43
FCF Conversion (FCF/Net Income)	4.51x	2.48x	6.55x	34.28x	-294.67x	44.61x
Interest Paid	0	19.97M	22.04M	32.09M	43.73M	42.57M
Taxes Paid	0	0	0	356K	73K	475K

Key Ratios

Metric	2019	2020	2021	2022	2023	2024
Return on Equity (ROE)	88.11%	113.34%	19.87%	4.48%	-0.57%	3.39%
Return on Invested Capital (ROIC)	-	24.41%	13.45%	-1.04%	6.83%	13.95%
Gross Margin	100%	84.81%	74.56%	78.99%	78.89%	80%
Net Margin	30.75%	26.64%	7.29%	1.57%	-0.2%	1.38%
Debt / Equity	5.98x	1.59x	1.74x	2.28x	1.80x	1.42x
Interest Coverage	-	4.02x	417.93x	-0.18x	0.99x	0.52x
FCF Conversion	4.51x	2.48x	6.55x	34.28x	-294.67x	44.61x
Revenue Growth	-	171.22%	20.46%	29.18%	12.39%	3.34%

Revenue by Segment

	2024
Reportable	321.48M
Reportable Growth	-

Frequently Asked Questions

Valuation & Price

OppFi Inc. (OPFI) has a price-to-earnings (P/E) ratio of 27.8x. This suggests investors expect higher future growth.

Growth & Financials

OppFi Inc. (OPFI) reported $573.5M in revenue for fiscal year 2024. This represents a 435% increase from $107.3M in 2019.

OppFi Inc. (OPFI) grew revenue by 3.3% over the past year. Growth has been modest.

Yes, OppFi Inc. (OPFI) is profitable, generating $3.9M in net income for fiscal year 2024 (1.4% net margin).

Dividend & Returns

Yes, OppFi Inc. (OPFI) pays a dividend with a yield of 1.18%. This makes it attractive for income-focused investors.

OppFi Inc. (OPFI) has a return on equity (ROE) of 3.4%. This is below average, suggesting room for improvement.

OppFi Inc. (OPFI) generated $360.4M in free cash flow for fiscal year 2024. Positive FCF indicates the company can fund dividends, buybacks, or reinvestment.