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OPFI

BUY

OppFi Inc. · Financial Services · United States · $1.3B · Avg Vol: $7M/d

78
StockRank
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Q
84
V
65
M
23
P/E (TTM)
4.4x
ROE
62.1%
D/E
0.9x
Dividend %
Loading 1Y...
PRICE (1Y)+12.7%
8.268.709.149.5710.01Jun 12Jul 7Jul 27
SMA 50SMA 200
Close
$9.42
RSI (14)
48.8
52W High
$12.60
From 52W High
0.7%

SCORE BREAKDOWN

Quality
84
ROIC
58.5%99.4
ROE
62.1%99.0
GP/Assets
45.1%95.3
Op. Margin
44.9%65.4
FCF/Assets
51.5%99.1
Piotroski
492.7
Int. Cover
N/A
D/E Ratio
0.86x30.7
Current Ratio
6.16x82.0
Value
65
P/E (TTM)
4.4x94.1
EV/EBITDA
4.1x80.2
P/FCF
3.3x84.3
P/B
3.2x13.1
P/S
3.8x49.4
Div Yield
N/A
Momentum
23
52W High %
75%19.5
RS 6M
-13%22.7
SMA 50/200
0.95x19.0
EPS Rev 4W
N/A
EPS Rev 12W
N/A
EPS Improve
+8%29.4
Q Growth
N/A

FUNDAMENTALS

Market Cap
$1.3B
P/E (Forward)
4.1x
Gross Margin
100.0%

SECTOR PEERS

Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of OPFI are excluded.

TickerCompanyMkt CapStockRankSignal
OPFIOppFi Inc.(you)$1.3B78BUY
JCAPJefferson Capital, Inc.$1.2B81STRONG BUY
ATLCAtlanticus Holdings Corporation$1.5B67BUY
EZPWEZCORP, Inc.$1.8B67BUY
AGM-AFederal Agricultural Mortgage Corporation$1.6B59HOLD
WRLDWorld Acceptance Corporation$950M59HOLD
WUThe Western Union Company$2.6B66BUY
ECPGEncore Capital Group, Inc.$1.9B96STRONG BUY
BFHBread Financial Holdings, Inc.$4.2B82STRONG BUY
GDOTGreen Dot Corporation$753M61HOLD

Peer medians: ROE 9.4% · P/E 13.9x · Gross margin 100.0%

OppFi Inc. (OPFI) — Stock Score Summary

OppFi Inc. (OPFI) has a MoatMap StockRank of 78/100 based on Quality (84/100), Value (65/100), and Momentum (23/100) factor scores. The current signal is BUY.

Key Financial Metrics

Price$9.42
Market Cap$1.3B
P/E (TTM)4.44
P/E (Forward)4.11
Price/Book3.15
Return on Equity62.1%
Return on Invested Capital58.5%
Debt/Equity0.86x
Gross Margin100.0%
Operating Margin44.9%
Revenue Growth-2.2%
Free Cash Flow$388M

OppFi Inc. operates in the Credit Services industry, part of the Financial Services sector (United States).

Frequently Asked Questions

What is OppFi Inc.’s (OPFI) StockRank?
MoatMap’s StockRank for OppFi Inc. (OPFI) is 78/100, with a Buy signal. It is a composite of Quality (84), Value (65), and Momentum (23) factor ranks across MoatMap’s 20,000+ stock universe.
Does OppFi Inc. have an economic moat?
OppFi Inc. (OPFI) has a Quality factor score of 84/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage — the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the characteristics of a moated business.
Is OppFi Inc. a buy, hold, or sell?
MoatMap’s current signal for OppFi Inc. (OPFI) is Buy, based on a StockRank of 78/100. Signals are derived mechanically from the StockRank composite and should be one input among many — combine with your own thesis on management, competitive position, and valuation.
What sector is OppFi Inc. in?
OppFi Inc. (OPFI) operates in the Financial Services sector, specifically the Credit Services industry (United States).