OppFi Inc. (OPFI)
Valuation Overview•Is OppFi Inc. Overvalued or Undervalued?
Trading at a relative discount to industry peers, suggesting a specific risk premium is applied.
High-quality fundamentals with a strong composite quality score of 82/100, backed by robust profitability and solvency.
Analysts remain bullish, forecasting further upside expansion with consensus targets suggesting solid gains.
Verdict: High-quality compounder, with solvency as the only relative weakness.
Wall Street is highly bullish, projecting significant upside alongside robust expected earnings growth. This outlook is strongly supported by highly attractive capital returns, driven by a balanced mix of reliable dividends and share buybacks.
OPFI exhibits elite business quality, driven by exceptional capital efficiency and highly lucrative margins (highlighted by a massive 26.4% ROIC). This is paired with a moderately leveraged but stable balance sheet.
The company demonstrates solid revenue growth (9.7% 3Y CAGR) paired with highly explosive earnings growth (169.8% EPS 3Y CAGR). This growth is supported by elite operational efficiency, sustaining an impressive 35.5% operating margin.
| Financial Metric | Trend (12Q) | Latest Qtr | 1Y Growth | 3Y CAGR | 5Y CAGR | 10Y CAGR |
|---|---|---|---|---|---|---|
| Revenue | $151.9M | +13.5% | +9.7% | +15.5% | — | |
| EBITDA | $65.8M | — | +201.5% | — | — | |
| Net Income | $28.4M | +262.8% | +54.8% | — | — | |
| EPS (Diluted) | $0.56 | +175.0% | +169.8% | -30.2% | — | |
| Free Cash Flow | $0.00 | +23.0% | +18.4% | +16.1% | — |
| Metric | TTM | 3Y Avg | 5Y Avg | 10Y Avg |
|---|---|---|---|---|
| Gross Margin | 98.1% | 84.7% | 81.5% | 84.6% |
| Operating Margin | 35.5% | 19.8% | 14.9% | 18.8% |
| Net Margin | 10.9% | 1.9% | 2.9% | 10.3% |
| FCF Margin | 50.6% | 59.8% | 54.8% | 67.0% |
| Quarter | EPS Est. | EPS Act. | Surprise | EPS | Rev |
|---|---|---|---|---|---|
| Q2'26Latest | $0.33 | $0.35 | +6.1% | ||
| Q1'26 | $0.28 | $0.30 | +7.1% | ||
| Q4'25 | $0.31 | $0.46 | +48.4% | ||
| Q3'25 | — | $-0.78 | — | ||
| Q3'25 | $0.30 | $0.45 | +50.0% | ||
| Q3'25 | $0.29 | $-0.78 | -364.7% | ||
| Q2'25 | $0.26 | $0.38 | +46.2% | ||
| Q1'25 | $0.14 | $0.23 | +64.3% |
Total return is -33.0% (1Y), lagging the benchmark by -58.0%
| Period | Total Return | vs S&P 500 (Alpha) | Dividend Contribution |
|---|---|---|---|
| YTD | -18.2% | -27.5% | — |
| 1Y | -33.0% | -58.0% | — |
| 3YCAGR | +60.2% | +40.1% | +17.3% |
| 5YCAGR | -2.9% | -15.6% | +3.6% |
| 10YCAGR | -1.1% | -14.9% | — |
The S&P 500 is at 31.3x trailing P/E — Expensive relative to historical averages.
Quick answers to common questions about OppFi Inc. (OPFI) valuation, health, and returns.
Based on peer relative multiples, OppFi Inc. appears Cheap versus peers compared to industry peers.
OppFi Inc. has multiple valuation anchors: Peer Relative Fair Value: $28.69 | Wall Street Analyst Target: $11.00 (implying +30.5% upside). A convergence of these signals offers higher conviction.
OppFi Inc. displays excellent financial health with a composite quality score of 82/100, supported by a Altman Z-Score of 2.9 (grey zone), Piotroski F-Score of 6/9, Return on Invested Capital (ROIC) of 26.4%.
OppFi Inc. pays a 29.1% dividend yield, covered by a 247% payout ratio with 0 years of growth, supplemented by a 2.1% buyback yield.
OppFi Inc.'s current growth trajectory is Accelerating. The company achieved +13.5% 1Y revenue growth and +175.0% 1Y EPS growth, compared to its 3Y revenue CAGR of +9.7%.
Wall Street consensus is Buy based on 6 analysts, beating EPS expectations in 92% of recent quarters with a 4-quarter streak. The consensus price target represents a +30.5% change from current levels.
Investment risks for OppFi Inc. include: -48.5% 1-year max drawdown, high beta (1.37x market volatility), stretched payout ratio. Volatility risk is characterized by a beta of 1.37x.
No. These computations are purely quantitative model outputs for informational purposes. They do not account for qualitative management shifts or macro events. Always consult a licensed RIA before buying or selling shares.
Disclaimer: This page is for informational purposes only and does not constitute financial advice. All valuation models, scores, and target estimates are automated computations under stated assumptions and should not be relied upon as the sole basis for any investment decision.