OppFi/$OPFI
1D1W1M3M6MYTD1Y5YMAX
Capital at risk
About OppFi
OppFi Inc. is a tech-enabled, mission-driven specialty finance platform that broadens the reach of community banks to expand credit access for everyday Americans. It recognizes revenue from finance charges on installment and SalaryTap contracts using the interest method.
- Ticker
- $OPFI
- Sector
- Finance
- Primary listing
- NYSE
- Employees
- 410
- Headquarters
- Chicago, United States
- Website
- www.oppfi.com
OppFi Metrics
BasicAdvanced
$534M
3.90
$1.61
1.80
-
Price and volume
Market cap
$534M
Beta
1.8
52-week high
$11.69
52-week low
$5.36
Average daily volume
811K
Financial strength
Current ratio
17.632
Quick ratio
16.617
Long term debt to equity
0.789
Total debt to equity
0.789
Dividend payout ratio (TTM)
6.78%
Profitability
Gross margin (TTM)
100.00%
Net profit margin (TTM)
29.82%
Operating margin (TTM)
39.86%
Effective tax rate (TTM)
13.07%
Revenue per employee (TTM)
$770,000
Management effectiveness
Return on assets (TTM)
18.24%
Return on equity (TTM)
39.57%
Valuation
Price to earnings (TTM)
3.896
Price to revenue (TTM)
1.026
Price to book
1.2
Price to tangible book (TTM)
1.2
Price to free cash flow (TTM)
0.89
Free cash flow yield (TTM)
112.42%
Free cash flow per share (TTM)
7.049
Growth
Revenue change (TTM)
-5.47%
Earnings per share change (TTM)
937.71%
3-year revenue growth (CAGR)
14.64%
3-year earnings per share growth (CAGR)
234.07%
What the Analysts think about OppFi
Analyst ratings (Buy, Hold, Sell) for OppFi stock.
Analyst projections of the future price of OppFi stock.
Bulls say / Bears say
OppFi has launched a line-of-credit product and says its new technology platform lets it bring products to market faster. A new underwriting model is due to launch, giving the company several potential levers for growth in 2027. (OppFi, The Motley Fool)
OppFi reported $140.7 million in cash and restricted cash and $198.5 million in unused debt capacity at quarter-end. It also repurchased $17.9 million of shares in the first nine months of the year, supporting its capacity to fund growth and return capital. (OppFi)
OppFi reaffirmed its 2026 adjusted net income forecast of $115 million to $120 million after withdrawing its BNC bank applications. That points to management’s expectation that the existing business can remain profitable without near-term approval of the bank deal. (OppFi)
OppFi withdrew its applications to acquire BNC National Bank, citing uncertainty over regulators’ review standards. The proposed deal remains in effect, but the withdrawal leaves its timing and approval path unclear, putting a key route to a bank charter and broader reach in doubt. (OppFi, Banking Dive)
Credit costs rose sharply: Q3 net charge-offs reached 52.6% of average receivables, up from 46.7% a year earlier. Adjusted net income fell 22.5% year on year, showing that higher losses are weighing on earnings. (OppFi)
Q3 originations fell 6.8% and ending receivables were down 4.7% year on year as OppFi tightened screening. Revenue also declined 3.8%, and the company trimmed the upper end of its 2026 guidance, signalling that near-term growth remains under pressure. (OppFi, The Motley Fool)
Data summarised monthly by Lightyear AI. Last updated on 5 Nov 2026.
OppFi Financial Performance
Revenues and expenses
OppFi Earnings Performance
Company profitability
Upcoming events
No upcoming events
OppFi News
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Funds containing OppFi
Fund name | Fund size | $OPFI weighting |
|---|---|---|
SPDR Russell 2000 US Small Cap€R2US | $5.3B | 0.01% |
SPDR Russell 2000 US Small Cap£R2SC | $5.3B | 0.01% |
Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
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