OppFi Inc.
New York Stock ExchangeTotal Valuation
OppFi Inc. carries a market capitalization of 633.62M, placing it among publicly traded companies globally. Its enterprise value stands at 1.07B, reflecting the total theoretical takeover cost after accounting for cash holdings and debt obligations.
| Market Cap | 633.62M |
| Enterprise Value | 1.07B |
Share Statistics
OppFi Inc. currently has 85.30M shares outstanding.
| Shares Outstanding | 85.30M |
| Owned by Insiders (%) | N/A |
| Owned by Institutions (%) | N/A |
Valuation Ratios
OppFi Inc. trades at a trailing price-to-earnings ratio of 3.98. The price-to-sales ratio is 0.66, and the price-to-book ratio stands at 2.04.
| PE Ratio | 3.98 |
| PS Ratio | 0.66 |
| PB Ratio | 2.04 |
| P/TBV Ratio | 2.04 |
| P/FCF Ratio | 2.03 |
| P/OCF Ratio | 1.00 |
Enterprise Valuation
On an enterprise value basis, OppFi Inc. trades at an EV/EBITDA multiple of 2.74 and an EV/FCF ratio of 2.52. The EV/Sales ratio of 1.75 reflects the premium investors are willing to pay for the company's revenue stream, while the EV/EBIT multiple of 2.76 provides insight into valuation relative to core operating earnings.
| EV / Sales | 1.75 |
| EV / EBITDA | 2.74 |
| EV / EBIT | 2.76 |
| EV / FCF | 2.52 |
Financial Position
OppFi Inc. maintains a current ratio of 9.10, meaning it holds 9.1x the short-term assets needed to cover near-term liabilities.
| Current Ratio | 9.10 |
| Quick Ratio | 8.67 |
| Debt / Equity | 69.25 |
| Debt / EBITDA | 0.73 |
| Interest Coverage | N/A |
Financial Efficiency
OppFi Inc. posts a return on equity of 47.58 and a return on invested capital of 53.33.
| Return on Equity (ROE) | 47.58 |
| Return on Assets (ROA) | 14.09 |
| Return on Invested Capital (ROIC) | 53.33 |
| Return on Capital Employed (ROCE) | 3.14 |
| Revenue Per Employee | N/A |
| Employee Count | N/A |
| Inventory Turnover | N/A |
Taxes
Over the trailing twelve months, OppFi Inc. has paid 20.83M in income taxes, reflecting an effective tax rate of 10.17.
| Income Tax | 20.83M |
| Effective Tax Rate | 10.17 |
Stock Price Statistics
OppFi Inc.'s stock has declined approximately -29.13085% over the past 52 weeks. The 50-day moving average sits at 8.55, while the 200-day moving average is 9.02.
| Beta (5Y) | N/A |
| 52-Week Price Change | -29.13085% |
| 50-Day Moving Average | 8.55 |
| 200-Day Moving Average | 9.02 |
| Average Volume (20 Days) | N/A |
Income Statement
Over the trailing twelve months, OppFi Inc. generated 611.39M in revenue and converted that into 101.72M in net income, yielding earnings per share of 2.12. EBITDA reached 390.89M, while operating income came in at 386.89M.
| Revenue | 611.39M |
| Gross Profit | 515.56M |
| Operating Income | 386.89M |
| Pretax Income | 204.85M |
| Net Income | 101.72M |
| EBITDA | 390.89M |
| EBIT | 386.89M |
| Earnings Per Share (EPS) | 2.12 |
Balance Sheet
OppFi Inc. holds 64.35M in cash and equivalents against 286.88M in total debt, resulting in a net debt position of 212.11M. Total book value stands at 414.26M, with working capital of 523.52M providing operational flexibility.
| Cash & Cash Equivalents | 64.35M |
| Total Debt | 286.88M |
| Net Debt | 212.11M |
| Equity (Book Value) | 414.26M |
| Book Value Per Share | 4.86 |
| Working Capital | 523.52M |
Cash Flow
OppFi Inc. produced 404.76M in operating cash flow over the past twelve months. After subtracting -19.86M in capital expenditures, free cash flow totaled 384.90M - equivalent to 9.43 per share.
| Operating Cash Flow | 404.76M |
| Capital Expenditures | -19.86M |
| Free Cash Flow | 384.90M |
| FCF Per Share | 9.43 |
Margins
OppFi Inc. operates with a gross margin of 84.33, reflecting its pricing power and cost economics. The operating margin of 63.28 and net profit margin of 16.64 provide insight into operational efficiency.
| Gross Margin | 84.33 |
| Operating Margin | 63.28 |
| Pretax Margin | 33.51 |
| Profit Margin | 16.64 |
| EBITDA Margin | 63.93 |
Dividends & Yields
The company's payout ratio of 12.56 indicates the proportion of earnings distributed to shareholders.
| Dividend Per Share | 0.82 |
| Dividend Yield | N/A |
| Payout Ratio | 12.56 |
| Shareholder Yield | 14.22 |
| FCF Yield | 49.25 |
Scores
OppFi Inc. posts an Altman Z-Score of 4.71, well above the 3.0 threshold that indicates strong financial health and minimal bankruptcy risk.
| Altman Z-Score | 4.71 |