Last 26 quarters of trend data · Financial Services · Consumer Finance
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 5.58 | 3.77 | 13.79 | 3.44 | 13.76 | 3.24 | — | — | — | 5.63 | 5.30 | 6.25 | — | 4.85 | 3.64 | 25.62 | — | — | 8.22 | 2143.75 | 5.97 |
| — | +16.2% | — | — | — | -42.4% | — | — | — | +16.2% | +45.4% | -75.6% | — | — | -55.7% | -98.8% | — | — | +347.9% | +158104.1% | +193.4% | |
| P/S Ratio | 0.87 | 0.86 | 1.47 | 1.09 | 0.44 | 0.43 | 0.65 | 0.39 | 0.30 | 0.18 | 0.13 | 0.09 | 0.17 | 0.08 | 0.07 | 0.06 | 0.36 | 0.39 | 0.64 | 0.72 | 1.00 |
| — | +101.7% | +125.2% | +178.6% | +43.9% | +144.5% | +394.9% | +316.6% | +73.7% | +117.2% | +99.8% | +45.8% | -51.5% | -79.3% | -89.7% | -91.0% | -64.0% | -78.4% | +52.0% | +83.3% | +179.4% | |
| P/B Ratio | 0.53 | 1.16 | 2.06 | 1.94 | 0.90 | 0.96 | 1.71 | 0.93 | 0.70 | 0.43 | 0.33 | 0.24 | 0.48 | 0.23 | 0.18 | 0.19 | 1.08 | 1.17 | 1.68 | 1.85 | 2.43 |
| — | +21.4% | +20.6% | +108.2% | +28.0% | +120.6% | +417.1% | +282.4% | +46.9% | +92.0% | +80.8% | +28.3% | -56.0% | -80.7% | -89.1% | -89.7% | -55.4% | -75.6% | +156.5% | +206.6% | +82.7% | |
| P/FCF | 1.41 | 1.51 | 2.45 | 1.94 | 0.59 | 0.66 | 1.02 | 0.69 | 0.46 | 0.32 | 0.22 | 0.17 | 0.29 | 0.15 | 0.11 | 0.12 | 0.64 | 0.73 | 1.26 | 1.77 | 2.21 |
| — | +127.4% | +139.3% | +179.5% | +30.2% | +104.6% | +358.3% | +318.1% | +58.4% | +120.0% | +94.1% | +35.5% | -54.7% | -79.8% | -90.9% | -93.1% | -71.2% | -86.2% | +36.7% | +126.8% | +208.2% | |
| EV / EBITDA | 2.38 | 4.29 | 3.19 | 2.24 | 1.33 | 2.79 | 3.48 | 2.62 | 4.06 | 2.61 | 2.63 | 9.88 | 8.82 | 4.97 | 4.08 | 12.17 | — | 54.30 | 15.55 | 130.27 | 24.84 |
| — | +53.7% | -8.4% | -14.3% | -67.2% | +6.9% | +32.6% | -73.5% | -54.0% | -47.5% | -35.6% | -18.8% | — | -90.8% | -73.8% | -90.7% | — | +258.4% | +860.0% | +10406.7% | +580.2% | |
| EV / EBIT | 2.12 | 4.38 | 3.25 | 2.26 | 1.34 | 1.40 | 1.85 | 1.26 | 1.37 | 1.21 | 1.21 | 1.14 | 6.85 | 1.28 | 1.42 | 1.29 | 47.06 | 15.21 | 8.86 | 19.81 | 6.90 |
| — | +213.5% | +75.3% | +79.1% | -2.0% | +15.3% | +53.4% | +10.5% | -80.0% | -5.0% | -14.7% | -11.9% | -85.4% | -91.6% | -84.0% | -93.5% | +581.9% | +160.6% | +536.3% | +1613.6% | +111.9% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 83.2% | 93.6% | 83.2% | 85.0% | 84.9% | 84.1% | 80.8% | 82.9% | 81.2% | 81.6% | 78.5% | 78.5% | 51.1% | 79.8% | 77.7% | 78.5% | 89.0% | 88.2% | 85.8% | 83.3% | 80.5% |
| — | +11.3% | +3.0% | +2.6% | +4.5% | +3.1% | +2.9% | +5.6% | +58.9% | +2.2% | +1.0% | -0.0% | -42.6% | -9.5% | -9.5% | -5.8% | +10.6% | +8.7% | +5.6% | +0.3% | +0.3% | |
| Operating Margin | 64.1% | 32.5% | 57.4% | 65.8% | 65.7% | 31.2% | 31.5% | 30.3% | 18.2% | 25.7% | 23.3% | 4.1% | 6.6% | 11.7% | 15.0% | 3.1% | -8.0% | -0.8% | 5.9% | -2.1% | 3.5% |
| — | +4.1% | +82.5% | +117.2% | +261.4% | +21.6% | +34.7% | +630.1% | +177.4% | +119.6% | +56.0% | +33.9% | +181.8% | +1600.3% | +152.2% | +244.4% | -327.8% | -106.2% | -74.1% | -107.4% | -79.9% | |
| Net Margin | 4.4% | 23.1% | 10.2% | 18.7% | 10.6% | 26.8% | -14.6% | -8.1% | -4.1% | 3.1% | 2.4% | 4.3% | -4.2% | 1.6% | 1.7% | 0.2% | 2.6% | -0.5% | 3.2% | 1.1% | 11.9% |
| — | -13.9% | +170.1% | +330.7% | +356.0% | +760.0% | -701.0% | -286.5% | +1.3% | +91.7% | +38.8% | +1985.4% | -260.4% | +454.4% | -45.4% | -80.5% | -78.1% | -103.0% | -86.0% | -96.3% | -31.9% |
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 9.7% | 8.0% | 3.9% | 8.7% | 5.7% | 16.8% | -9.1% | -4.8% | -2.5% | 2.0% | 1.5% | 2.8% | -2.9% | 1.2% | 1.3% | 0.2% | 1.9% | -0.3% | 2.1% | 0.7% | 7.7% |
| — | -52.2% | +142.9% | +280.4% | +332.9% | +732.5% | -695.0% | -270.6% | +14.9% | +70.9% | +22.4% | +1722.2% | -250.2% | +442.7% | -41.5% | -77.3% | -75.0% | -104.2% | -74.8% | -95.5% | -76.3% | |
| ROA | 3.8% | 4.3% | 2.0% | 3.9% | 2.3% | 6.0% | -3.2% | -1.8% | -0.9% | 0.7% | 0.5% | 1.0% | -0.9% | 0.4% | 0.4% | 0.0% | 0.5% | -0.1% | 0.6% | 0.2% | 2.4% |
| — | -28.4% | +162.9% | +317.1% | +356.7% | +735.2% | -686.4% | -286.7% | +3.9% | +94.2% | +43.3% | +2060.9% | -271.3% | +473.5% | -40.6% | -79.3% | -77.7% | -102.4% | -91.4% | -97.7% | -78.4% | |
| ROIC | 52.3% | 5.5% | 10.2% | 12.8% | 13.6% | 6.9% | 6.9% | 6.5% | 3.6% | 5.3% | 4.7% | 0.8% | 1.3% | 2.3% | 2.8% | 0.6% | -1.4% | -0.1% | 1.0% | -0.4% | 0.7% |
| — | -20.7% | +47.5% | +97.6% | +273.8% | +29.0% | +46.7% | +698.1% | +186.1% | +132.3% | +67.9% | +43.0% | +189.5% | +1692.2% | +170.6% | +246.1% | -308.2% | -104.5% | -83.8% | -104.8% | -93.5% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 1.08 | 0.79 | 0.71 | 0.88 | 1.08 | 1.20 | 1.46 | 1.27 | 1.42 | 1.54 | 1.57 | 1.60 | 1.80 | 1.90 | 1.97 | 2.12 | 2.28 | 2.17 | 2.14 | 1.91 | 1.74 |
| — | -34.3% | -51.5% | -31.0% | -24.0% | -22.1% | -6.7% | -20.6% | -21.2% | -18.8% | -20.3% | -24.5% | -21.2% | -12.8% | -8.1% | +11.1% | +31.6% | +33.2% | — | — | +9.0% | |
| Debt / EBITDA | 0.86 | 6.92 | 3.46 | 2.99 | 3.16 | 6.71 | 6.87 | 6.80 | 12.39 | 9.08 | 9.88 | 39.41 | 30.05 | 19.24 | 16.06 | 48.83 | — | 144.81 | 36.22 | 277.15 | 43.04 |
| — | +3.2% | -49.7% | -56.0% | -74.5% | -26.1% | -30.4% | -82.7% | -58.8% | -52.8% | -38.5% | -19.3% | — | -86.7% | -55.6% | -82.4% | — | +812.4% | — | — | +393.1% | |
| Current Ratio | 7.44 | 855.46 | 57.15 | 1.14 | 7.44 | 8.54 | 8.52 | 8.37 | 9.43 | 9.73 | 9.72 | 10.34 | 10.48 | 21.03 | 19.08 | 23.94 | 9.24 | 19.09 | 17.34 | 17.58 | 7.75 |
| — | +9919.1% | +571.0% | -86.4% | -21.1% | -12.3% | -12.4% | -19.0% | -10.0% | -53.7% | -49.0% | -56.8% | +13.3% | +10.2% | +10.0% | +36.2% | +19.3% | +138.0% | +6140.1% | +2952.9% | +28.5% | |
| Quick Ratio | 7.44 | 855.46 | 57.15 | 1.14 | 7.44 | 8.54 | 8.52 | 8.37 | 9.43 | 9.73 | 9.72 | 10.34 | 10.48 | 21.03 | 19.08 | 23.94 | 9.24 | 19.09 | 17.34 | 17.58 | 7.75 |
| — | +9919.1% | +571.0% | -86.4% | -21.1% | -12.3% | -12.4% | -19.0% | -10.0% | -53.7% | -49.0% | -56.8% | +13.3% | +10.2% | +10.0% | +36.2% | +19.3% | +138.0% | +6140.1% | +2952.9% | +28.5% | |
| Interest Coverage | — | 5.71 | — | — | — | 9.82 | — | 8.97 | 0.99 | 1.80 | 1.52 | 6.07 | 1.07 | — | — | 5.89 | — | — | — | — | — |
| — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 26 years · Updated daily
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Quick answers to the most common questions about buying OPFI stock.
OppFi Inc.'s current P/E is 5.6x. The average P/E over the last 4 quarters is 8.7x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
OppFi Inc.'s current operating margin is 64.1%. Margins have been compressing over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking OppFi Inc.'s business trajectory between earnings reports.