OppFi Inc. (OPFI) Financial Ratios
7 years of historical data (2019–2025) · Technology · Software - Application
EV/EBITDA
↓
5.09
↓-73% vs avg
5yr avg: 18.98
30Y Low2.8·High71.8
P/FCF
↓
1.90
↑+99% vs avg
5yr avg: 0.95
30Y Low0.3·High2.5
P/B Ratio
↓
0.72
↓-34% vs avg
5yr avg: 1.10
30Y Low0.4·High2.4
ROE
↓
9.7%
↓+32% vs avg
5yr avg: 7.4%
30Y Low-1%·High113%
Debt/EBITDA
↓
1.68
↓-87% vs avg
5yr avg: 13.01
30Y Low1.7·High6.8
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
OPFI Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
OppFi Inc. trades at 8.5x earnings, 58% below its 5-year average of 20.5x, sitting at the 20th percentile of its historical range. Compared to the Technology sector median P/E of 29.0x, the stock trades at a discount of 71%. 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 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 |
|---|---|---|---|---|---|---|---|---|
| Market Cap | $727M | $277M | $154M | $84M | $173M | $384M | $132M | — |
| Enterprise Value | $1.0B | $561M | $425M | $401M | $520M | $632M | $265M | — |
| P/E Ratio → | 8.52 | 10.57 | 21.28 | — | 40.67 | 9.46 | 1.71 | — |
| P/S Ratio | 1.22 | 0.46 | 0.29 | 0.16 | 0.38 | 1.09 | 0.45 | — |
| P/B Ratio | 0.72 | 0.90 | 0.66 | 0.43 | 1.09 | 2.43 | 1.33 | — |
| P/FCF | 1.90 | 0.73 | 0.50 | 0.29 | 0.75 | 2.51 | 0.73 | — |
| P/OCF | 1.81 | 0.69 | 0.48 | 0.28 | 0.71 | 2.29 | 0.69 | — |
P/E links to full P/E history page with 30-year chart
OPFI EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
OppFi Inc.'s enterprise value stands at 5.1x EBITDA, 73% below its 5-year average of 19.0x. The Technology sector median is 16.7x, placing the stock at a 69% discount on an enterprise-value basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 |
|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 0.94 | 0.81 | 0.79 | 1.15 | 1.80 | 0.91 | — |
| EV / EBITDA | 5.09 | 2.83 | 4.08 | 6.79 | 71.85 | 9.36 | 3.14 | — |
| EV / EBIT | 5.23 | 2.87 | 1.42 | 1.44 | 2.25 | 7.01 | 2.73 | — |
| EV / FCF | — | 1.47 | 1.37 | 1.40 | 2.26 | 4.13 | 1.46 | — |
OPFI Profitability
Margins and return-on-capital ratios measuring operating efficiency
OppFi Inc. earns an operating margin of 32.4%. Operating margins have expanded from 9.1% to 32.4% over the past 3 years, signaling improving operational efficiency. ROE of 9.7% is modest. ROIC of 26.4% represents excellent returns on invested capital.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | 95.1% | 95.1% | 80.0% | 78.9% | 79.0% | 74.6% | 84.8% | 100.0% |
| Operating Margin | 32.4% | 32.4% | 18.0% | 9.1% | -1.4% | 16.3% | 26.6% | 30.8% |
| Net Profit Margin | 4.4% | 4.4% | 1.4% | -0.2% | 1.6% | 7.3% | 26.6% | 30.8% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 |
|---|---|---|---|---|---|---|---|---|
| ROE | 9.7% | 9.7% | 3.4% | -0.6% | 4.5% | 19.9% | 113.3% | 88.1% |
| ROA | 3.8% | 3.8% | 1.2% | -0.2% | 1.3% | 6.5% | 27.1% | 11.5% |
| ROIC | 26.4% | 26.4% | 14.0% | 6.8% | -1.0% | 13.4% | 24.4% | — |
| ROCE | 30.9% | 30.9% | 16.7% | 8.6% | -1.3% | 16.7% | 30.2% | 12.2% |
OPFI Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
OppFi Inc. carries a Debt/EBITDA ratio of 1.7x, which is manageable (43% below the sector average of 2.9x). Net debt stands at $283M ($333M total debt minus $49M cash). Interest coverage of 5.0x is adequate, though a cyclical earnings downturn could tighten the margin of safety.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 |
|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 1.08 | 1.08 | 1.42 | 1.80 | 2.28 | 1.74 | 1.59 | 5.98 |
| Debt / EBITDA | 1.68 | 1.68 | 3.19 | 5.91 | 50.23 | 4.06 | 1.88 | 6.79 |
| Net Debt / Equity | — | 0.92 | 1.16 | 1.64 | 2.18 | 1.58 | 1.33 | 5.53 |
| Net Debt / EBITDA | 1.43 | 1.43 | 2.60 | 5.37 | 47.99 | 3.69 | 1.57 | 6.28 |
| Debt / FCF | — | 0.74 | 0.87 | 1.11 | 1.51 | 1.63 | 0.73 | 1.46 |
| Interest Coverage | 4.97 | 4.97 | 1.64 | 5.94 | 6.57 | 658.71 | 5.02 | — |
OPFI Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
OppFi Inc.'s current ratio of 7.44x is well above the 1.0 safety threshold, indicating strong short-term liquidity with ample room to cover current liabilities. The current ratio has declined from 10.48x to 7.44x over the past 3 years.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 |
|---|---|---|---|---|---|---|---|---|
| Current Ratio | 7.44 | 7.44 | 9.43 | 10.48 | 9.24 | 7.75 | 6.03 | 1.09 |
| Quick Ratio | 7.44 | 7.44 | 9.43 | 10.48 | 9.24 | 7.75 | 6.03 | 1.09 |
| Cash Ratio | 0.58 | 0.58 | 1.03 | 0.62 | 0.29 | 0.43 | 0.58 | 1.09 |
| Asset Turnover | — | 0.79 | 0.82 | 0.85 | 0.78 | 0.70 | 1.02 | 0.37 |
| Inventory Turnover | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | 333.94 | 330.14 | 333.72 | 370.71 | 404.09 | 278.75 | — |
OPFI Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
OppFi Inc. returns 31.2% to shareholders annually — split between a 29.1% dividend yield and 2.1% buyback yield. The payout ratio exceeds 100% at 246.5%, meaning the company is paying out more than it earns — this level is unsustainable long-term without earnings recovery. The earnings yield of 11.7% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 |
|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 29.1% | 23.4% | 1.5% | 12.2% | 0.8% | 13.3% | 11.9% | — |
| Payout Ratio | 246.5% | 246.5% | 32.7% | — | 18.4% | 199.7% | 20.4% | 28.7% |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 |
|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 11.7% | 9.5% | 4.7% | — | 2.5% | 10.6% | 58.6% | — |
| FCF Yield | 52.6% | 137.8% | 201.4% | 342.2% | 133.2% | 39.9% | 137.3% | — |
| Buyback Yield | 2.1% | 5.6% | 2.3% | 0.0% | 1.4% | 0.0% | 0.0% | — |
| Total Shareholder Yield | 31.2% | 29.0% | 3.8% | 12.2% | 2.2% | 13.3% | 11.9% | — |
| Shares Outstanding | — | $27M | $20M | $16M | $84M | $84M | $13M | $13M |
Peer Comparison
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 | $727M | 8.5 | 5.1 | 1.9 | 95.1% | 32.4% | 9.7% | 26.4% | 1.7 |
 ENVA | $5B | 17.5 | 12.2 | 2.9 | 50.1% | 23.5% | 24.3% | 10.4% | 5.8 |
 WRLD | $897M | 10.9 | 8.4 | 3.6 | 70.0% | 28.1% | 20.8% | 12.1% | 3.1 |
 RM | $350M | 8.4 | 21.6 | 1.1 | 52.3% | 12.4% | 12.2% | 3.0% | 18.8 |
 ATLC | $2B | 16.8 | 43.8 | 2.4 | 56.3% | 22.7% | 22.4% | 2.4% | 38.6 |
 QFIN | $2B | 1.2 | 1.7 | 1.2 | 81.5% | 33.9% | 24.0% | 17.7% | 0.5 |
 CACC | $6B | 15.4 | 10.5 | 5.7 | 98.7% | 47.6% | 25.9% | 10.4% | 5.6 |
 PRAA | $570M | -1.9 | 1.2 | — | 99.2% | 33.9% | -27.3% | 11.2% | 0.1 |
 ECPG | $2B | 7.6 | 8.8 | 14.0 | 69.0% | 35.4% | 29.5% | 9.8% | 6.3 |
 FISV | $26B | 7.5 | 6.1 | 5.9 | 59.4% | 26.9% | 13.0% | 8.1% | 3.3 |
 FIS | $20B | 50.9 | 6.4 | 7.0 | 36.9% | 16.5% | 2.6% | 6.0% | 1.1 |
| Technology Median | — | 29.0 | 16.7 | 19.2 | 48.8% | 0.2% | 1.6% | 2.7% | 2.9 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
Download Financial Ratios Data
Includes 30+ ratios · 7 years · Updated daily
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OPFI — Frequently Asked Questions
Quick answers to the most common questions about buying OPFI stock.
What is OppFi Inc.'s P/E ratio?
OppFi Inc.'s current P/E ratio is 8.5x. The historical average is 16.7x. This places it at the 20th percentile of its historical range.
What is OppFi Inc.'s EV/EBITDA?
OppFi Inc.'s current EV/EBITDA is 5.1x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 16.3x.
What is OppFi Inc.'s ROE?
OppFi Inc.'s return on equity (ROE) is 9.7%. The historical average is 34.0%.
Is OPFI stock overvalued?
Based on historical data, OppFi Inc. is trading at a P/E of 8.5x. This is at the 20th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What is OppFi Inc.'s dividend yield?
OppFi Inc.'s current dividend yield is 29.05% with a payout ratio of 246.5%.
What are OppFi Inc.'s profit margins?
OppFi Inc. has 95.1% gross margin and 32.4% operating margin. Operating margin above 20% indicates strong pricing power and cost efficiency.
How much debt does OppFi Inc. have?
OppFi Inc.'s Debt/EBITDA ratio is 1.7x, indicating moderate leverage. A ratio below 2x is generally considered financially healthy.