OppFi Inc.

OppFi Inc.

OPFI
OppFi Inc.US flagNew York Stock Exchange
7.42
USD
+0.10
- -
633.62MMarket Cap
OppFi Inc.
OPFI
(New York Stock Exchange)

Recent

price

7.42

P/E

ratio

- -

div

yld

- -

ROIC.AI

2019
2020
2021
2022
2023
2024
2025
TTM
FRC
17.66
22.42
26.52
32.55
31.05
26.11
22.52
14.98
Revenue per Share
2.54
5.97
1.93
0.51
-0.06
0.36
0.99
2.49
Basic EPS, GAAP
10.96
13.98
11.57
16.53
17.52
15.43
14.42
9.43
Free Cash Flow per Basic Share
0.73
1.22
3.86
0.09
0.62
2.22
2.45
0.82
Dividend per Share
- -
7.14
-0.66
-0.03
0.55
1.49
2.14
4.86
Book Value per Share
- -
7.14
-0.66
-0.03
0.55
1.49
2.14
4.86
Tangible Book Value per Share
13
13
13
14
16
20
27
41
Basic Weighted Avg Shares
229
291
351
453
509
526
597
611
Sales/Revenue/Turnover
24.19
33.93
40.89
51.05
54.58
56.84
64.07
63.28
Operating Margin (%)
4
7
10
14
13
10
5
4
Depreciation Expense
33
78
26
7
-1
7
26
102
Net Income, GAAP
- -
- -
0.35
- -
5.58
4.79
6.33
10.17
Effective Tax Rate (%)
14.4
26.64
7.29
1.57
-0.2
1.38
4.41
16.64
Profit Margin (%)
- -
223
415
455
488
504
554
524
Working Capital
- -
142
274
364
349
332
333
287
LT Debt
- -
99
158
159
194
234
309
414
Total Equity
- -
76.71
40.14
- -
46.98
49.04
56.24
53.33
Return on Invested Capital (%)
- -
75.2
-10.83
- -
-7.78
-12.5
-15.5
3.14
Return on Capital (%)
- -
167.29
- -
- -
- -
33.59
57.7
47.58
Return on Common Equity (%)

Capital Structure

FRC

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
- -
- -
- -
LT Borrowings
321
284
276
LT Finance Leases
11
11
10
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
27
26
85
Market Capitalization
285
204
847

Working Capital

FRC

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
639
602
588
Cash, Cash Equivalents & STI
49
64
64
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
86
42
65
Payables & Accruals
86
42
65
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
- -
26.85%
31.88%
Free Cash Flow
- -
18.15%
22.97%
Net Income, GAAP
- -
-162.57%
262.76%
Sales/Revenue/Turnover
- -
15.78%
13.52%
Total Cash Common Dividend
- -
238.02%
45.01%

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
127
126
137
136
526
2025
140
142
155
159
597
2026
152
145
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.29
0.16
0.21
-0.26
0.36
2025
-0.48
-0.78
1.48
- -
0.99
2026
1.06
0.22
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.44
1.15
0.66
0.02
2.22
2025
0.47
1.62
0.37
- -
2.45
2026
0.39
0.18
- -
- -
- -
Business
OppFi Inc. (NYSE: OPFI) operates as a leading tech-enabled digital finance platform that partners with community banks to provide accessible credit products and services to everyday Americans underserved by traditional financial institutions; its core offerings include OppLoans installment loans with transparent terms, credit bureau reporting, and financial education resources; SalaryTap employer-sponsored secured loans; and OppCard credit-building cards featuring credit line increases and credit reporting. The company, founded in 2012 and headquartered in Chicago, Illinois, serves credit-constrained consumers across the United States through a mobile-optimized platform leveraging advanced algorithms, alternative data, machine learning, and data analytics for application processing, risk assessment, loan origination, servicing, and personalized customer experiences. OppFi maintains high customer satisfaction with an A+ Better Business Bureau rating, 79 Net Promoter Score, and 4.5/5 Trustpilot rating from over 5,000 reviews, while emphasizing responsible lending, financial inclusion, and transparency. Recent developments include the 2024 acquisition of a 35% equity interest in Bitty Advance, a small business financing platform led by Craig Hecker, with options for majority and full ownership to enter the underserved small business credit market and diversify beyond consumer lending; upsizing its revolving credit facility with Blue Owl Capital affiliates to $300 million from $250 million following Blue Owl's acquisition of Atalaya Capital Management in September 2024; and announcing a new $150 million revolving credit facility in October 2025 with a four-year term to enhance financing flexibility.

Company News

  • OppFi to Participate in September 2026 Conferences

  • OppFi's Guidance Cut Has Created Opportunity

  • Dimensional Fund Advisors LP Acquires 141,949 Shares of OppFi Inc. $OPFI

  • Why OppFi Stock Swooned by Almost 25% Today

  • Stonegate Capital Partners Updates Coverage on OppFi, Inc. (OPFI) 2Q26

  • OppFi Inc. (OPFI) Q2 2026 Earnings Call Transcript

  • OppFi Posts Downbeat Q2 Earnings, Joins Upwork, Rocket Lab And Other Big Stocks Moving Lower In Tuesday's Pre-Market Session

  • OppFi Q2 Earnings Call Highlights

  • OppFi Inc. (OPFI) Q2 Earnings and Revenues Miss Estimates

  • OppFi Reports Second Quarter 2026 Results, Record Second Quarter Revenue

  • OppFi: Look Beyond Q2, As Greenlighting Of The BNC Deal Is Not Certain

  • OppFi to Participate in August 2026 Conferences

  • OppFi and Enova Bank Deals Put Lending Economics Under Scrutiny

  • OppFi Announces its Second Quarter 2026 Earnings Conference Call

  • Best Value Stocks to Buy for July 6th

  • Best Value Stocks to Buy for July 2nd

  • OppFi (OPFI) Soars 6.3%: Is Further Upside Left in the Stock?

  • OppFi Ruling Gives Bank-FinTech Partnerships a Win but Not Final Clarity

  • SoFi vs. OppFi: Which Fintech Stock Should Investors Consider Buying?

  • OppFi (OPFI) Forms 'Hammer Chart Pattern': Time for Bottom Fishing?