OppFi/$OPFI
1D1W1MYTD1Y5YMAX
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
$556M
3.06
$2.14
1.82
-
Price and volume
Market cap
$556M
Beta
1.82
52-week high
$12.45
52-week low
$6.50
Average daily volume
1.2M
Financial strength
Current ratio
12.92
Quick ratio
12.316
Long term debt to equity
0.689
Total debt to equity
0.693
Profitability
Gross margin (TTM)
100.00%
Net profit margin (TTM)
31.06%
Operating margin (TTM)
42.08%
Effective tax rate (TTM)
10.17%
Revenue per employee (TTM)
$800,000
Management effectiveness
Return on assets (TTM)
25.49%
Return on equity (TTM)
58.24%
Valuation
Price to earnings (TTM)
3.056
Price to revenue (TTM)
0.75
Price to book
1.34
Price to tangible book (TTM)
1.34
Price to free cash flow (TTM)
0.638
Free cash flow yield (TTM)
156.71%
Free cash flow per share (TTM)
10.233
Growth
Revenue change (TTM)
2.07%
Earnings per share change (TTM)
-187.96%
3-year revenue growth (CAGR)
19.82%
3-year earnings per share growth (CAGR)
322.38%
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 delivered record second-quarter revenue of $145.2 million, up 1.9% year on year, while net income rose 36% to $15.6 million. It also generated substantial free cash flow and began buying back shares under a $40 million authorisation. (PR Newswire, The Motley Fool)
Buying BNC would give OppFi access to roughly $1 billion of deposits, potentially lowering funding costs and reducing reliance on external bank partners. Management also expects geographic expansion, product diversification and at least $60 million of first-year synergies, making the deal a significant earnings catalyst if approved and integrated well. (Morningstar, PR Newswire)
The new line-of-credit product could broaden revenue beyond instalment loans and deepen relationships with existing customers. Testing showed encouraging customer behaviour, while the modular LOLA platform is intended to shorten product-development times and support faster future launches. (The Motley Fool, OppFi Investor Relations)
Credit losses remain severe: Q2 net charge-offs rose to about 40% of revenue and 52% of receivables, while originations fell 9% year on year. That combination pushed adjusted EPS down to $0.33 and led OppFi to cut its 2026 guidance. (The Motley Fool, Yahoo Finance)
The BNC National Bank acquisition faces substantial regulatory opposition. Twenty state attorneys general and a coalition of 123 consumer groups and academics have urged regulators to reject the deal, creating a risk to OppFi’s planned national expansion and cheaper deposit funding. (Banking Dive, MLex)
Execution has already slipped: delays to the new line-of-credit launch and LOLA system migration caused lower-than-planned originations and a sizeable 2026 guidance reduction. The investment case therefore depends on OppFi delivering several major technology and product changes on schedule while absorbing transformation costs. (The Motley Fool, Stonegate Capital Partners)
Data summarised monthly by Lightyear AI. Last updated on 21 Sept 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 | €4.8B | 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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