OppFi Inc. (OPFI) P/E Ratio History
UndervaluedTrading at 8.5x vs 5Y avg 24.9x · 33th percentile · Below historical baseline · Data 2021–2026
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P/E Ratio Analysis
As of June 21, 2026, OppFi Inc. (OPFI) trades at a price-to-earnings ratio of 8.5x, with a stock price of $8.43 and trailing twelve-month earnings per share of $0.77.
The current P/E is 66% below its 5-year average of 24.9x. 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 33th percentile of its historical range.
Compared to the Technology sector median P/E of 29.0x, OPFI trades at a 71% discount to its sector peers. The sector includes 352 companies with P/E ratios ranging from 0.0x to 187.7x.
Relative to the broader market, OPFI trades at a notable discount to the S&P 500 median P/E of 24.4x. 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 Cross-Benchmark Valuation
How does the current P/E compare to sector peers and the broader market?
OPFI P/E vs Peers
Financial services and insurance software peers sorted by market cap
| Company | Market Cap | P/E Ratio | PEG Ratio | EPS Growth (1Y) |
|---|---|---|---|---|
| $5B | 17.5 | - | +56% | |
| $897M | 10.9 | 0.31 | +24% | |
| $350M | 8.4 | 0.64 | +7% | |
| $2B | 16.8 | 1.96 | +25% | |
| $2B | 1.2Lowest | 0.04Best | +104% | |
| $6B | 15.4 | 1.57 | +89% | |
| $2B | 7.6 | 0.74 | +287%Best | |
| $26B | 7.5 | 0.21 | +18% | |
| $20B | 50.9 | 2.09 | -47% |
Lower P/E can signal a discount or weaker growth expectations; PEG adds growth context.
OPFI Historical P/E Data (2021–2026)
Quarterly P/E ratios calculated from closing price and TTM EPS
| Quarter | Period End | Price | TTM EPS | P/E Ratio | vs Avg |
|---|---|---|---|---|---|
| FY2026 Q1 | - | $7.71 | $0.74 | 10.4x | -58% |
| FY2024 Q4 | - | $7.66 | $0.19 | 40.3x | +62% |
| FY2024 Q3 | Sep 30 2024 | $4.73 | $0.16 | 29.6x | +19% |
| FY2024 Q2 | Jun 30 2024 | $3.39 | $0.08 | 42.4x | +70% |
| FY2024 Q1 | Mar 31 2024 | $2.50 | $0.06 | 41.7x | +68% |
| FY2023 Q3 | Sep 30 2023 | $2.52 | $0.25 | 10.1x | -59% |
| FY2023 Q2 | Jun 30 2023 | $2.04 | $0.08 | 25.5x | +3% |
| FY2023 Q1 | Mar 31 2023 | $2.05 | $0.04 | 51.3x | +106% |
| FY2022 Q4 | Dec 31 2022 | $2.05 | $0.02 | 100.5x | +304% |
| FY2022 Q3 | Sep 30 2022 | $2.30 | $0.25 | 9.2x | -63% |
| FY2022 Q2 | - | $3.29 | $0.58 | 5.7x | -77% |
| FY2022 Q1 | - | $3.43 | $1.87 | 1.8x | -93% |
| FY2021 Q4 | Dec 31 2021 | $4.54 | $3.75 | 1.2x | -95% |
| FY2021 Q3 | - | $7.86 | $4.81 | 1.6x | -93% |
| FY2021 Q2 | Jun 30 2021 | $10.21 | $6.01 | 1.7x | -93% |
Average P/E for displayed period: 24.9x
Intrinsic Valuation
DCF models, multiple analysis, and analyst estimates.
Historical Returns
5+ years return with dividends reinvested.
DCA Calculator
See how regular investing compounds over time.
Peer Comparison
Compare growth, multiples, and margins vs sector.
OPFI — Frequently Asked Questions
Quick answers to the most common questions about buying OPFI stock.
What is OPFI's P/E ratio?
OppFi Inc. (OPFI) trailing twelve-month P/E ratio is 8.5x, based on TTM diluted EPS of $0.77. The 5-year average P/E is 24.9x and the historical range spans 1.2x to 100.5x.
Is OPFI stock overvalued or undervalued?
OPFI trades at 8.5x P/E, below its 5-year average of 24.9x. At the 33th percentile of its historical range (1.2x–100.5x), the stock is priced at a discount to its own history.
Is OPFI stock expensive?
No, OPFI is not expensive on a historical basis. The current P/E of 8.5x is below the 5-year average of 24.9x and sits at the 33th percentile of its valuation range.
What is OPFI's historical P/E range?
Over the past 5 years, OPFI's P/E ratio has ranged from 1.2x to 100.5x, with a median of 10.4x and an average of 24.9x. The current P/E of 8.5x places the stock at the 33th percentile of this range. Full historical data spans 2021–2026.
How does OPFI's P/E compare to the S&P 500?
OPFI trades at 8.5x P/E versus the S&P 500 median of 24.4x. The 65% discount to the market suggests lower growth expectations or perceived higher risk.
How does OPFI's valuation compare to Technology peers?
OppFi Inc. P/E of 8.5x compares to the Technology sector median of 29.0x. The discount suggests lower growth expectations, weaker margins, or higher perceived risk relative to peers. See the peer comparison table on this page for ticker-by-ticker P/E and PEG.
What is OPFI's PEG ratio?
OPFI PEG ratio is N/A, based on a P/E of 8.5x and EPS growth of 175.0%. PEG normalises P/E by growth and helps compare stocks with different earnings trajectories.
What is OPFI's earnings yield?
OPFI earnings yield is 11.74%, the inverse of its 8.5x P/E ratio. Earnings yield represents the percentage of each dollar invested that the company earns. It can be compared directly to bond yields to assess relative attractiveness of stocks versus fixed income.