6 years of historical data (2019–2024) · Technology · Software - Application
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
OppFi Inc. trades at 25.5x earnings, 40% above its 5-year average of 18.3x, sitting at the 75th percentile of its historical range. This is roughly in line with the Technology sector median P/E of 25.2x. On a free-cash-flow basis, the stock trades at 1.9x P/FCF, 99% above the 5-year average of 1.0x.
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 |
|---|---|---|---|---|---|---|---|
| Market Cap | $589M | $154M | $84M | $173M | $384M | $132M | — |
| Enterprise Value | $860M | $425M | $401M | $520M | $632M | $265M | — |
| P/E Ratio → | 25.50 | 21.28 | — | 40.67 | 9.46 | 1.71 | — |
| P/S Ratio | 1.12 | 0.29 | 0.16 | 0.38 | 1.09 | 0.45 | — |
| P/B Ratio | 0.79 | 0.66 | 0.43 | 1.09 | 2.43 | 1.33 | — |
| P/FCF | 1.90 | 0.50 | 0.29 | 0.75 | 2.51 | 0.73 | — |
| P/OCF | 1.82 | 0.48 | 0.28 | 0.71 | 2.29 | 0.69 | — |
P/E links to full P/E history page with 30-year chart
Enterprise-value multiples — capital-structure-neutral measures of total business value
OppFi Inc.'s enterprise value stands at 8.3x EBITDA, 57% below its 5-year average of 19.0x. The Technology sector median is 15.7x, placing the stock at a 48% discount on an enterprise-value basis.
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 |
|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 0.81 | 0.79 | 1.15 | 1.80 | 0.91 | — |
| EV / EBITDA | 8.26 | 4.08 | 6.79 | 71.85 | 9.36 | 3.14 | — |
| EV / EBIT | 9.10 | 1.42 | 1.44 | 2.25 | 7.01 | 2.73 | — |
| EV / FCF | — | 1.37 | 1.40 | 2.26 | 4.13 | 1.46 | — |
Margins and return-on-capital ratios measuring operating efficiency
OppFi Inc. earns an operating margin of 18.0%. Operating margins have expanded from -1.4% to 18.0% over the past 3 years, signaling improving operational efficiency. ROE of 3.4% is modest. ROIC of 14.0% represents solid returns on invested capital.
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 |
|---|---|---|---|---|---|---|---|
| Gross Margin | 80.0% | 80.0% | 78.9% | 79.0% | 74.6% | 84.8% | 100.0% |
| Operating Margin | 18.0% | 18.0% | 9.1% | -1.4% | 16.3% | 26.6% | 30.8% |
| Net Profit Margin | 1.4% | 1.4% | -0.2% | 1.6% | 7.3% | 26.6% | 30.8% |
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 |
|---|---|---|---|---|---|---|---|
| ROE | 3.4% | 3.4% | -0.6% | 4.5% | 19.9% | 113.3% | 88.1% |
| ROA | 1.2% | 1.2% | -0.2% | 1.3% | 6.5% | 27.1% | 11.5% |
| ROIC | 14.0% | 14.0% | 6.8% | -1.0% | 13.4% | 24.4% | — |
| ROCE | 16.7% | 16.7% | 8.6% | -1.3% | 16.7% | 30.2% | 12.2% |
Solvency and debt-coverage ratios — lower is generally safer
OppFi Inc. carries a Debt/EBITDA ratio of 3.2x, which is moderately leveraged (8% above the sector average of 3.0x). Net debt stands at $271M ($332M total debt minus $61M cash). Interest coverage of just 0.5x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 |
|---|---|---|---|---|---|---|---|
| Debt / Equity | 1.42 | 1.42 | 1.80 | 2.28 | 1.74 | 1.59 | 5.98 |
| Debt / EBITDA | 3.19 | 3.19 | 5.91 | 50.23 | 4.06 | 1.88 | 6.79 |
| Net Debt / Equity | — | 1.16 | 1.64 | 2.18 | 1.58 | 1.33 | 5.53 |
| Net Debt / EBITDA | 2.60 | 2.60 | 5.37 | 47.99 | 3.69 | 1.57 | 6.28 |
| Debt / FCF | — | 0.87 | 1.11 | 1.51 | 1.63 | 0.73 | 1.46 |
| Interest Coverage | 0.52 | 0.52 | 0.99 | -0.18 | 417.93 | 4.02 | — |
Short-term solvency ratios and asset-utilisation metrics
OppFi Inc.'s current ratio of 9.43x is well above the 1.0 safety threshold, indicating strong short-term liquidity with ample room to cover current liabilities. The current ratio has improved from 9.24x to 9.43x over the past 3 years.
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 |
|---|---|---|---|---|---|---|---|
| Current Ratio | 9.43 | 9.43 | 10.48 | 9.24 | 7.75 | 6.03 | 1.09 |
| Quick Ratio | 9.43 | 9.43 | 10.48 | 9.24 | 7.75 | 6.03 | 1.09 |
| Cash Ratio | 1.03 | 1.03 | 0.62 | 0.29 | 0.43 | 0.58 | 1.09 |
| Asset Turnover | — | 0.82 | 0.85 | 0.78 | 0.70 | 1.02 | 0.37 |
| Inventory Turnover | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | 330.14 | 333.72 | 370.71 | 404.09 | 278.75 | — |
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
OppFi Inc. returns 1.9% to shareholders annually — split between a 1.3% dividend yield and 0.6% buyback yield. The payout ratio of 32.7% is conservative, leaving significant room for dividend growth or reinvestment. The earnings yield of 3.9% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 |
|---|---|---|---|---|---|---|---|
| Dividend Yield | 1.3% | 1.5% | 12.2% | 0.8% | 13.3% | 11.9% | — |
| Payout Ratio | 32.7% | 32.7% | — | 18.4% | 199.7% | 20.4% | 28.7% |
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 |
|---|---|---|---|---|---|---|---|
| Earnings Yield | 3.9% | 4.7% | — | 2.5% | 10.6% | 58.6% | — |
| FCF Yield | 52.7% | 201.4% | 342.2% | 133.2% | 39.9% | 137.3% | — |
| Buyback Yield | 0.6% | 2.3% | 0.0% | 1.4% | 0.0% | 0.0% | — |
| Total Shareholder Yield | 1.9% | 3.8% | 12.2% | 2.2% | 13.3% | 11.9% | — |
| Shares Outstanding | — | $20M | $16M | $84M | $84M | $13M | $13M |
Compare OPFI with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
| OPFIYou | $589M | 25.5 | 8.3 | 1.9 | 80.0% | 18.0% | 3.4% | 14.0% | 3.2 |
| INTU | $114B | 29.9 | 20.6 | 18.8 | 80.8% | 26.1% | 20.3% | 16.5% | 1.2 |
| FICO | $33B | 53.1 | 38.8 | 43.5 | 82.2% | 46.5% | — | 59.7% | 3.3 |
| SSNC | $18B | 23.9 | 12.6 | 11.0 | 48.2% | 22.9% | 11.8% | 10.8% | 0.2 |
| GWRE | $12B | 179.4 | 189.7 | 41.6 | 62.5% | 3.4% | 5.0% | 2.3% | 11.0 |
| FRGE | $8B | -8.3 | — | — | -43.3% | -103.7% | -26.8% | -45.6% | — |
| QTWO | $3B | 60.1 | 74.9 | 15.5 | 54.1% | 5.0% | 8.8% | 4.5% | 8.7 |
| SPNS | $2B | 33.7 | 22.1 | 33.6 | 45.0% | 16.8% | 15.5% | 17.4% | 0.6 |
| BL | $2B | 24.3 | 32.6 | 11.7 | 75.2% | 2.8% | 41.6% | 1.4% | 13.3 |
| NCNO | $2B | -48.9 | 111.3 | 35.8 | 60.1% | -3.4% | -3.5% | -1.2% | 13.0 |
| ALKT | $2B | -36.0 | — | 42.4 | 57.8% | -12.1% | -13.3% | -8.6% | — |
| Technology Median | — | 25.2 | 15.7 | 17.3 | 49.8% | -0.9% | 1.1% | 2.9% | 3.0 |
Peers based on L4 peer group classification. Compare multiple stocks →
Includes 30+ ratios · 6 years · Updated daily
Price is only half the story. See total return with reinvested dividends.
Launch CalculatorSee our Bear / Base / Bull DCF models and intrinsic value estimates.
View ValuationSee how OPFI stacks up against sector leader Intuit Inc..
Start ComparisonOppFi Inc.'s current P/E ratio is 25.5x. The historical average is 18.3x. This places it at the 75th percentile of its historical range.
OppFi Inc.'s current EV/EBITDA is 8.3x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 19.0x.
OppFi Inc.'s return on equity (ROE) is 3.4%. The historical average is 38.1%.
Based on historical data, OppFi Inc. is trading at a P/E of 25.5x. This is at the 75th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
OppFi Inc.'s current dividend yield is 1.28% with a payout ratio of 32.7%.
OppFi Inc. has 80.0% gross margin and 18.0% operating margin. Operating margin between 10-20% is typical for established companies.
OppFi Inc.'s Debt/EBITDA ratio is 3.2x, indicating high leverage. A ratio between 2-4x is manageable but warrants monitoring.