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OPFIOppFi Inc.
$6.28$540M
Overview & Tools
OverviewChart Terminal ↗Visualize
Valuation & Forecasts
Valuation ModelsEstimatesDCF Model
Price & Analyst Data
Analyst TargetsPrice History
Financial Statements
Income StatementBalance SheetCash FlowRatios & Margins
Performance
P/E HistoryRevenue HistoryEarnings HistoryDividend HistoryTotal Return
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OPFI logo

OppFi Inc.

OPFI
NYSE · Application Software
$6.28
At close - Sep 23, 4:00 PM EDT - USD
Market Cap$540M
P/E6.3x
52W High$12.45
Volume638.06K
OverviewTerminalAnalysisFinancialsValuationEarningsBreakoutsOwnership
VCP Research Verdict2026Q2

Deleveraged Balance Sheet Masks Revenue Collapse Risk

OppFi has undergone a strategic transformation, eliminating all debt and raising $338.6M in equity, which boosted equity to $414.3M and provided a strong liquidity buffer (current ratio of 57.15). However, the sharp 39.5% YoY revenue decline in 2026Q2 and an E...

GrowthMixed
ProfitabilityModerate
ValuationAttractive
TechnicalsWeak
Explore valuation models
MARKET ACTION

OPFI price & volume

Price trend, volume and key moving averages

Launch Terminal
Loading chart...
Decision Checklist4 Core Signals

What matters now

The signals most likely to change the investment case.

01

Earnings momentum

9/12 Beats

EPS beat 9 of last 12 quarters

02

Valuation risk

-58% Peers

P/E is 58% below peer median

03

Market leadership

RS 14 · Lag

Laggard (Underperforming 86% of market)

04

Weak Trend

Below 200DMA

Price < 200DMA

Next CatalystEstimated earnings · Nov 10

Market performance

Price History →

Trailing total returns as of 9/24/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC).

YTD Return
OPFI-39.03%
S&P 500 (^GSPC)+12.39%
1-Year Return
OPFI-46.51%
S&P 500 (^GSPC)+15.77%
3-Year Return
OPFI+159.77%
S&P 500 (^GSPC)+71.11%
5-Year Return
OPFI-19.88%
S&P 500 (^GSPC)+72.29%
02

Test the fundamentals

Check whether operating performance supports the current valuation.

VALUATION & INTRINSIC VALUE

Valuation Scenarios

Valuation Analysis
Trailing P/E5Y Low
6.3x
Forward P/EExpansion
4.4x
EV/EBITDA40th %ile
4.2x
FCF YieldCash Flow
70.7%

Valuation vs 5-Year History

Multiple Range
Metric
Current
5Y Median
Historical Range
Percentile
P/E
6.3x
21.3x
0th· Low
EV/EBITDA
4.2x
6.8x
40th· Fair
Price/FCF
1.4x
0.7x
80th· High
Current Multiple
5Y Median (50th %ile)

Intrinsic Value Scenarios

DCF Projection
No DCF Model AvailableIntrinsic value modeling is not supported for this equity.

Growth & profitability

Annual revenue & EPS trend
Revenue
$597M+13.5% YoY
Net income
$26M+262.8% YoY
Free cash flow
$382M+23.0% YoY
Operating margin
32.4%+14.4 pts YoY
ROIC (TTM)26.4%
Avg ROIC 5Y-
ROE (TTM)9.7%
Piotroski Score6 / 9
Financial Statements →
03

Monitor what changed

Recent results and news deserve attention only when they alter the forward view.

OPERATING RESULTS

Recent Earnings

Earnings History
EPS Beat Rate9/12 (82%)
Revenue Beat Rate7/12 (64%)
QuarterEPS (Act vs Est)Revenue (Act vs Est)
Q3 2026Latest
Aug 10, 2026
$0.33-25.8%
vs $0.45
$145M-6.9%
vs $156M
Q2 2026
May 7, 2026
$0.35+6.1%
vs $0.33
$152M+0.5%
vs $151M
Q2 2026
Mar 11, 2026
$0.30+7.1%
vs $0.28
$159M-0.3%
vs $160M
Q4 2025
Oct 29, 2025
$0.46+48.4%
vs $0.31
$155M+1.1%
vs $153M
Historical baseline: 12 quarters analyzedGAAP / Adjusted
MARKET COVERAGE

Latest News

5 Stories
PRNewsWire·6d ago
BNCCORP Stockholders Approve Merger with OppFi, Inc.

/PRNewswire/ -- BNCCORP, INC. (OTCQX Markets: BNCC) ("BNCC") and its wholly owned subsidiary, BNC National Bank ("BNC") announced today that its stockholders

PRNewsWire·Aug 25, 2026
OppFi to Participate in September 2026 Conferences

CHICAGO, Aug. 25, 2026 /PRNewswire/ -- OppFi Inc. (NYSE: OPFI) ("OppFi" or the "Company"), a leading tech-enabled digital finance platform that works with banks to provide financial products and services for everyday Americans, today announced that management will participate in the following conferences in September 2026: Oppenheimer Fintech Leaders Conference Location: New YorkDate: September 15, 2026 U.S. Bancorp | BTIG Consumer Finance Conference 2026 Location: Boston Date: September 17, 2026 To schedule a meeting with OppFi, please reach out to your Oppenheimer or BTIG representatives. About OppFi OppFi (NYSE: OPFI) is a leading tech-enabled digital finance platform that works with banks to provide financial products and services for everyday Americans.

Seeking Alpha·Aug 13, 2026
OppFi's Guidance Cut Has Created Opportunity

OppFi trades at a steep discount, with shares at 4.37x forward non-GAAP earnings—over 60% below the sector median—despite resilient revenue and free cash flow growth. OPFI management tightened underwriting, sacrificing short-term volume for portfolio quality, margin stability, and long-term profitability, as evidenced by improved recoveries and disciplined expense control. The BNC National Bank acquisition is expected to be financially transformative, expanding OPFI's platform, boosting adjusted EPS by 25% in year one, and targeting 10% ROA and 35% ROE by 2028.

Fool - Investing News·Aug 11, 2026
Why OppFi Stock Swooned by Almost 25% Today

The specialty lender posted a displeasing quarterly earnings report.

Filtered for OppFi Inc.More Headlines
04

Compare before deciding

Benchmark OPFI against direct peers instead of judging its metrics in isolation.

Peers Comparison

Key metrics vs top competitors for OppFi Inc. (OPFI)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
OPFI logoOPFIOppFi Inc.Current
$6.28$540.31M6.3413.52%4.41%9.7%39%
ENVA logoENVAEnova International, Inc.
$168.37$4.19B14.5412.2%11.81%25.76%—
WRLD logoWRLDWorld Acceptance Corporation
$170.07$792.6M24.722.6%6.65%11%—
RM logoRMRegional Management Corp.
$30.72$282.87M6.909.1%7.4%13.25%—
ATLC logoATLCAtlanticus Holdings Corporation
$90.97$1.38B15.2634.47%9.3%23.25%—
QFIN logoQFINQfin Holdings, Inc.
$7.61$990.71M0.608.83%22.28%15.26%—

Compare OPFI vs Peers

OppFi Inc. (OPFI) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs ENVA

Most directly comparable listed peer for OPFI.

Scale Benchmark

vs FISV

Larger-name benchmark to compare OPFI against a more recognizable public peer.

Peer Set

Compare Top 5

vs ENVA, WRLD, RM, ATLC

05

Keep researching

Verify the primary filings, follow material updates, and answer the remaining questions.

OPFI SEC Filings & Documents

OppFi Inc. (OPFI) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Aug 10, 2026·SEC

Material company update

Jun 16, 2026·SEC

Material company update

Jun 10, 2026·SEC

10-K Annual Reports

2
FY 2026

Mar 12, 2026·SEC

FY 2025

Mar 11, 2025·SEC

10-Q Quarterly Reports

6
FY 2026

Aug 10, 2026·SEC

FY 2026

May 7, 2026·SEC

FY 2025

Nov 6, 2025·SEC

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OPFI Frequently Asked Questions

OppFi Inc. (OPFI) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials
What is OppFi Inc.'s revenue?

OppFi Inc. (OPFI) reported $544.3M in revenue for fiscal year 2025. This represents a 407% increase from $107.3M in 2019.

How fast is OppFi Inc. growing?

OppFi Inc. (OPFI) grew revenue by 13.5% over the past year. This is steady growth.

Is OPFI profitable?

Yes, OppFi Inc. (OPFI) is profitable, generating $101.7M in net income for fiscal year 2025 (4.4% net margin).

Dividend & Returns
Does OPFI pay dividends?

Yes, OppFi Inc. (OPFI) pays a dividend with a yield of 39.00%. This makes it attractive for income-focused investors.

What is OPFI's return on equity?

OppFi Inc. (OPFI) has a return on equity (ROE) of 9.7%. This is below average, suggesting room for improvement.

What is OppFi Inc.'s free cash flow?

OppFi Inc. (OPFI) generated $389.7M in free cash flow for fiscal year 2025. Positive FCF indicates the company can fund dividends, buybacks, or reinvestment.

What if you invested $1,000 in OPFI back in 2019?

Total return calculator · dividends reinvested · 7+ years of data

See returns →