OppFi Inc. (OPFI) P/E Ratio History
Historical price-to-earnings valuation from 2021 to 2024
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OPFI Valuation Context
How does the current P/E compare to historical and market benchmarks?
P/E Ratio Analysis
As of May 6, 2026, OppFi Inc. (OPFI) trades at a price-to-earnings ratio of 9.8x, with a stock price of $9.75 and trailing twelve-month earnings per share of $0.99.
The current P/E is 62% below its 5-year average of 25.9x. Over the past five years, OPFI's P/E has ranged from a low of 1.2x to a high of 100.5x, placing the current valuation at the 43th percentile of its historical range.
Compared to the Technology sector median P/E of 26.7x, OPFI trades at a 63% discount to its sector peers. The sector includes 358 companies with P/E ratios ranging from 0.0x to 197.6x.
Relative to the broader market, OPFI trades at a notable discount to the S&P 500 median P/E of 25.1x. Investors should consider the company's growth prospects, competitive position, and earnings quality when evaluating whether the current valuation is justified.
For a comprehensive intrinsic value estimate using discounted cash flow analysis, see our OPFI DCF Valuation Calculator →
Note: P/E ratio is just one valuation metric. It does not account for balance sheet strength, cash flow quality, or growth sustainability. Always conduct comprehensive due diligence before making investment decisions.
OPFI P/E vs Peers
P/E ratio compared to closely matched public peers
| Company | Market Cap | P/E Ratio | PEG Ratio | EPS Growth (1Y) |
|---|---|---|---|---|
| $4B | 14.6 | - | +56% | |
| $711M | 8.7 | 0.24 | +24% | |
| $327M | 7.8 | 0.60 | +7% | |
| $1B | 13.0 | 1.52 | +25% | |
| $4B | 2.2Lowest | 0.11Best | +61% | |
| $5B | 14.0 | 1.42 | +89% | |
| $2B | 7.7 | 0.75 | +287%Best | |
| $31B | 9.0 | 0.26 | +18% | |
| $24B | 62.1 | 2.55 | -47% |
Peers sorted by market capitalization. P/E below peers may indicate undervaluation or lower growth expectations. Consider PEG ratio for growth-adjusted comparison.
OPFI Historical P/E Data (2021–2024)
Quarterly P/E ratios calculated from closing price and TTM EPS
| Quarter | Date | Price | TTM EPS | P/E Ratio | vs Avg |
|---|---|---|---|---|---|
| FY2024 Q4 | $7.66 | $0.19 | 40.3x | +56% | |
| FY2024 Q3 | Mon Sep 30 2024 00:00:00 GM | $4.73 | $0.16 | 29.6x | +14% |
| FY2024 Q2 | Sun Jun 30 2024 00:00:00 GM | $3.39 | $0.08 | 42.4x | +64% |
| FY2024 Q1 | Sun Mar 31 2024 00:00:00 GM | $2.50 | $0.06 | 41.7x | +61% |
| FY2023 Q3 | Sat Sep 30 2023 00:00:00 GM | $2.52 | $0.25 | 10.1x | -61% |
| FY2023 Q2 | Fri Jun 30 2023 00:00:00 GM | $2.04 | $0.08 | 25.5x | -2% |
| FY2023 Q1 | Fri Mar 31 2023 00:00:00 GM | $2.05 | $0.04 | 51.3x | +98% |
| FY2022 Q4 | Sat Dec 31 2022 00:00:00 GM | $2.05 | $0.02 | 100.5x | +288% |
| FY2022 Q3 | Fri Sep 30 2022 00:00:00 GM | $2.30 | $0.25 | 9.2x | -65% |
| FY2022 Q2 | $3.29 | $0.58 | 5.7x | -78% | |
| FY2022 Q1 | $3.43 | $1.87 | 1.8x | -93% | |
| FY2021 Q4 | Fri Dec 31 2021 00:00:00 GM | $4.54 | $3.75 | 1.2x | -95% |
Average P/E for displayed period: 25.9x
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Side-by-side business, growth, and profitability comparison vs NVIDIA Corporation.
Start ComparisonOPFI — Frequently Asked Questions
Quick answers to the most common questions about buying OPFI stock.
Is OPFI stock overvalued or undervalued?
OPFI trades at 9.8x P/E, below its 5-year average of 25.9x. At the 43th percentile of historical range, the stock is priced at a discount to its own history.
How does OPFI's valuation compare to peers?
OppFi Inc. P/E of 9.8x compares to sector median of 26.7x. The discount suggests lower growth expectations or higher risk.
What is OPFI's PEG ratio?
OPFI PEG ratio is N/A. Above 2.0 indicates premium valuation relative to growth rate. Historical P/E data spans 2021-2024.