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OppFi Inc.

OppFi Inc.

OPFI
OppFi Inc.US flagNew York Stock Exchange
9.46
USD
+0.16
- -
807.82MMarket Cap

Total Valuation

OppFi Inc. carries a market capitalization of 807.82M, placing it among publicly traded companies globally. Its enterprise value stands at 708.24M, reflecting the total theoretical takeover cost after accounting for cash holdings and debt obligations.

Market Cap807.82M
Enterprise Value708.24M

Share Statistics

OppFi Inc. currently has 26.44M shares outstanding.

Shares Outstanding26.44M
Owned by Insiders (%)N/A
Owned by Institutions (%)N/A

Valuation Ratios

OppFi Inc. trades at a trailing price-to-earnings ratio of 3.17. The price-to-sales ratio is 0.34, and the price-to-book ratio stands at -40.54.

PE Ratio3.17
PS Ratio0.34
PB Ratio-40.54
P/TBV Ratio0.61
P/FCF Ratio1.21
P/OCF Ratio0.51

Enterprise Valuation

On an enterprise value basis, OppFi Inc. trades at an EV/EBITDA multiple of 1.80 and an EV/FCF ratio of 1.65. The EV/Sales ratio of 1.16 reflects the premium investors are willing to pay for the company's revenue stream, while the EV/EBIT multiple of 1.81 provides insight into valuation relative to core operating earnings.

EV / Sales1.16
EV / EBITDA1.80
EV / EBIT1.81
EV / FCF1.65

Financial Position

OppFi Inc. maintains a current ratio of 14.48, meaning it holds 14.5x the short-term assets needed to cover near-term liabilities.

Current Ratio14.48
Quick Ratio13.61
Debt / Equity86.07
Debt / EBITDA0.75
Interest CoverageN/A

Financial Efficiency

Return on Equity (ROE)N/A
Return on Assets (ROA)9.72
Return on Invested Capital (ROIC)60.39
Return on Capital Employed (ROCE)-9.54
Revenue Per EmployeeN/A
Employee CountN/A
Inventory TurnoverN/A

Taxes

Over the trailing twelve months, OppFi Inc. has paid 12.21M in income taxes, reflecting an effective tax rate of 6.35.

Income Tax12.21M
Effective Tax Rate6.35

Stock Price Statistics

OppFi Inc.'s stock has declined approximately -17.30769% over the past 52 weeks. The 50-day moving average sits at 8.86, while the 200-day moving average is 9.33.

Beta (5Y)N/A
52-Week Price Change-17.30769%
50-Day Moving Average8.86
200-Day Moving Average9.33
Average Volume (20 Days)N/A

Income Statement

Over the trailing twelve months, OppFi Inc. generated 608.66M in revenue and converted that into 66.10M in net income, yielding earnings per share of 2.68. EBITDA reached 394.53M, while operating income came in at 390.54M.

Revenue608.66M
Gross Profit509.86M
Operating Income390.54M
Pretax Income192.10M
Net Income66.10M
EBITDA394.53M
EBIT390.54M
Earnings Per Share (EPS)2.68

Balance Sheet

OppFi Inc. holds 63.87M in cash and equivalents against 295.19M in total debt, resulting in a net debt position of 220.40M. Total book value stands at -5.17M, with working capital of 560.87M providing operational flexibility.

Cash & Cash Equivalents63.87M
Total Debt295.19M
Net Debt220.40M
Equity (Book Value)-5.17M
Book Value Per Share-0.19
Working Capital560.87M

Cash Flow

OppFi Inc. produced 408.34M in operating cash flow over the past twelve months. After subtracting -19.87M in capital expenditures, free cash flow totaled 388.47M - equivalent to 14.29 per share.

Operating Cash Flow408.34M
Capital Expenditures-19.87M
Free Cash Flow388.47M
FCF Per Share14.29

Margins

OppFi Inc. operates with a gross margin of 83.77, reflecting its pricing power and cost economics. The operating margin of 64.16 and net profit margin of 10.86 provide insight into operational efficiency.

Gross Margin83.77
Operating Margin64.16
Pretax Margin31.56
Profit Margin10.86
EBITDA Margin64.82

Dividends & Yields

The company's payout ratio of 21.80 indicates the proportion of earnings distributed to shareholders.

Dividend Per Share2.36
Dividend YieldN/A
Payout Ratio21.80
Shareholder Yield49.71
FCF Yield82.88

Scores

OppFi Inc. posts an Altman Z-Score of 3.89, well above the 3.0 threshold that indicates strong financial health and minimal bankruptcy risk.

Altman Z-Score3.89