XNYSOPFI
Market cap634mUSD
Dec 24, Last price
7.36USD
1D
2.79%
1Q
61.05%
IPO
-25.58%
Name
OppFi Inc
Chart & Performance
P/E
—
P/S
1.25
EPS
—
Div Yield, %
1.61%
Shrs. gr., 5y
—
Rev. gr., 5y
56.40%
Revenues
509m
+12.39%
Net income
-1m
L
CFO
296m
+21.72%
Dividend
Apr 18, 20240.12 USD/sh
Earnings
Mar 05, 2025
Profile
OppFi Inc. operates a financial technology platform that allows banks to offer lending products. Its platform facilitates the OppLoan, an installment loan product; SalaryTap, a payroll deduction secured installment loan product; and OppFi Card, a credit card product. The company is based in Chicago, Illinois.
Valuation
Title USD in thousands, except ratios and share amounts | FY | FY | FY | FY | FY | FY |
|---|---|---|---|---|---|---|
| 2023‑12 | 2022‑12 | 2021‑12 | 2020‑12 | 2019‑12 | 2018‑12 | |
| Income | ||||||
Revenues | 508,949 12.39% | 452,859 29.18% | 350,568 20.46% | |||
Cost of revenue | 231,179 | 195,732 | 188,173 | |||
Unusual Expense (Income) | ||||||
NOPBT | 277,770 | 257,127 | 162,395 | |||
NOPBT Margin | 54.58% | 56.78% | 46.32% | |||
Operating Taxes | 2,331 | (277) | 311 | |||
Tax Rate | 0.84% | 0.19% | ||||
NOPAT | 275,439 | 257,404 | 162,084 | |||
Net income | (1,005) -114.16% | 7,098 -72.22% | 25,554 -67.03% | |||
Dividends | (10,230) | (1,309) | (91,646) | |||
Dividend yield | 12.19% | 0.76% | 23.90% | |||
Proceeds from repurchase of equity | 107 | (2,335) | ||||
BB yield | -0.13% | 1.35% | ||||
| Debt | ||||||
Debt current | 22,443 | |||||
Long-term debt | 362,789 | 380,176 | 251,578 | |||
Deferred revenue | ||||||
Other long-term liabilities | 33,338 | 27,513 | 34,512 | |||
Net debt | 288,846 | 361,937 | 248,957 | |||
| Cash flow | ||||||
Cash from operating activities | 296,146 | 243,297 | 167,346 | |||
CAPEX | (8,991) | (13,250) | (14,373) | |||
Cash from investing activities | (244,292) | (317,244) | (199,470) | |||
Cash from financing activities | (27,581) | 61,255 | 48,829 | |||
FCF | 272,088 | 166,455 | (579) | |||
| Balance | ||||||
Cash | 73,943 | 16,239 | 25,064 | |||
Long term investments | 2,000 | |||||
Excess cash | 48,496 | 7,536 | ||||
Stockholders' equity | 120,009 | 96,109 | 96,206 | |||
Invested Capital | 501,574 | 524,656 | 458,875 | |||
ROIC | 53.68% | 52.34% | 45.96% | |||
ROCE | 50.50% | 49.01% | 34.82% | |||
| EV | ||||||
Common stock shares outstanding | 16,391 | 84,256 | 84,474 | |||
Price | 5.12 149.76% | 2.05 -54.85% | 4.54 -55.40% | |||
Market cap | 83,923 -51.41% | 172,725 -54.96% | 383,512 190.29% | |||
EV | 556,358 | 694,306 | 799,387 | |||
EBITDA | 290,505 | 270,708 | 172,677 | |||
EV/EBITDA | 1.92 | 2.56 | 4.63 | |||
Interest | 46,750 | 35,162 | 137 | |||
Interest/NOPBT | 16.83% | 13.67% | 0.08% | |||