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XNYS
OPFI
Market cap1.12bUSD
May 29, Last price
12.94USD
1D
-2.04%
1Q
31.24%
IPO
30.84%
Name
OppFi Inc
Chart & Performance
P/E
154.65
P/S
2.13
EPS
0.08
Div Yield, %
0.93%
Shrs. gr., 5y
9.19%
Rev. gr., 5y
18.08%
Revenues
526m
+3.34%
Net income
7m
P
CFO
324m
+9.34%
Dividend
Apr 18, 20240.12 USD/sh
Earnings
Aug 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 | FY |
|---|---|---|---|---|---|---|---|
| 2024‑12 | 2023‑12 | 2022‑12 | 2021‑12 | 2020‑12 | 2019‑12 | 2018‑12 | |
| Income | |||||||
Revenues | 525,963 3.34% | 508,949 12.39% | 452,859 29.18% | ||||
Cost of revenue | 204,755 | 231,179 | 195,732 | ||||
Unusual Expense (Income) | |||||||
NOPBT | 321,208 | 277,770 | 257,127 | ||||
NOPBT Margin | 61.07% | 54.58% | 56.78% | ||||
Operating Taxes | 4,215 | 2,331 | (277) | ||||
Tax Rate | 1.31% | 0.84% | |||||
NOPAT | 316,993 | 275,439 | 257,404 | ||||
Net income | 7,258 -822.19% | (1,005) -114.16% | 7,098 -72.22% | ||||
Dividends | (2,374) | (10,230) | (1,309) | ||||
Dividend yield | 1.54% | 12.19% | 0.76% | ||||
Proceeds from repurchase of equity | (3,551) | 107 | (2,335) | ||||
BB yield | 2.30% | -0.13% | 1.35% | ||||
| Debt | |||||||
Debt current | |||||||
Long-term debt | 345,346 | 362,789 | 380,176 | ||||
Deferred revenue | |||||||
Other long-term liabilities | 15,108 | 33,338 | 27,513 | ||||
Net debt | 264,808 | 288,846 | 361,937 | ||||
| Cash flow | |||||||
Cash from operating activities | 323,806 | 296,146 | 243,297 | ||||
CAPEX | (8,991) | (13,250) | |||||
Cash from investing activities | (243,442) | (244,292) | (317,244) | ||||
Cash from financing activities | (66,019) | (27,581) | 61,255 | ||||
FCF | 284,706 | 272,088 | 166,455 | ||||
| Balance | |||||||
Cash | 61,344 | 73,943 | 16,239 | ||||
Long term investments | 19,194 | 2,000 | |||||
Excess cash | 54,240 | 48,496 | |||||
Stockholders' equity | 120,009 | 96,109 | |||||
Invested Capital | 581,373 | 501,574 | 524,656 | ||||
ROIC | 58.54% | 53.68% | 52.34% | ||||
ROCE | 55.25% | 50.50% | 49.01% | ||||
| EV | |||||||
Common stock shares outstanding | 20,146 | 16,391 | 84,256 | ||||
Price | 7.66 49.61% | 5.12 149.76% | 2.05 -54.85% | ||||
Market cap | 154,315 83.88% | 83,923 -51.41% | 172,725 -54.96% | ||||
EV | 419,123 | 556,358 | 694,306 | ||||
EBITDA | 330,829 | 290,505 | 270,708 | ||||
EV/EBITDA | 1.27 | 1.92 | 2.56 | ||||
Interest | 182,234 | 46,750 | 35,162 | ||||
Interest/NOPBT | 56.73% | 16.83% | 13.67% | ||||