Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
OPFI
HoldFallen FavouriteOppFi Inc. · Financial Services · United States · $602M · Avg Vol: $7M/d
40
StockRankGet insider-trade alerts
Q
82
V
40
M
11
P/E (TTM)
—
ROE
58.2%
D/E
0.7x
Dividend %
—
COMPANY DESCRIPTION
OppFi Inc., a tech-enabled digital finance platform, provides financial products and services for banks in the United States. The company offers installment loans through OppLoans platform. It serves consumers who are turned away by mainstream options. OppFi Inc.
FINANCIAL SUMMARY (USD)
| Year | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 452.9M | 508.9M | 526.0M | 597.0M | 9.7% | 327.5M | 611.6M | 704.5M | 8.6% |
| EPS | 0.09 | -0.01 | 0.09 | 0.32 | 53.1% | — | 0.28 | 0.38 | 10.2% |
| Shares | 85.4M | 85.4M | 85.4M | 85.4M | 0.0% | 85.2M | — | — | — |
| Debt | 363.6M | 349.2M | 332.1M | 332.8M | -2.9% | 286.9M | — | — | — |
| Equity | -0.5M | 10.4M | 32.8M | 58.5M | 136.7% | — | — | — | — |
| Op CF | 243.3M | 296.1M | 323.8M | 401.3M | 18.2% | 404.8M | — | — | — |
| Inv CF | -317.2M | -244.3M | -243.4M | -307.8M | — | — | — | — | — |
| Fin CF | 61.3M | -27.6M | -66.0M | -88.5M | — | — | — | — | — |
Loading 1Y...
PRICE (1Y)-22.4%
SMA 50SMA 200
Close
$7.39
RSI (14)
56.4
52W High
$12.45
From 52W High
0.6%
SCORE BREAKDOWN
Quality
82
ROIC
58.5%99.3
ROE
58.2%98.6
GP/Assets
43.4%94.9
Op. Margin
31.2%47.7
FCF/Assets
51.5%99.5
Piotroski
776.1
Int. Cover
—N/A
D/E Ratio
0.69x35.8
Current Ratio
12.92x88.3
Value
40
P/E (TTM)
—N/A
EV/EBITDA
—N/A
P/FCF
1.6x91.0
P/B
10.8x4.8
P/S
1.9x76.7
Div Yield
—N/A
Momentum
11
52W High %
59%9.5
RS 6M
-33%6.1
SMA 50/200
0.94x15.4
EPS Rev 4W
-12.1%3.6
EPS Rev 12W
—N/A
EPS Improve
—N/A
Q Growth
—N/A
FUNDAMENTALS
Market Cap
$602M
P/E (Forward)
3.8x
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.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| OPFI | OppFi Inc.(you) | $602M | 40 | Hold |
| GDOT | Green Dot Corporation | $760M | 42 | Hold |
| PRAA | PRA Group, Inc. | $721M | 34 | Sell |
| NAVI | Navient Corporation | $887M | 35 | Sell |
| CPSS | Consumer Portfolio Services, Inc. | $203M | 43 | Hold |
| AGM-A | Federal Agricultural Mortgage Corporation | $1.7B | 44 | Hold |
| WRLD | World Acceptance Corporation | $878M | 62 | Hold |
| WU | The Western Union Company | $2.3B | 54 | Hold |
| RM | Regional Management Corp. | $300M | 72 | Buy |
| SLM | SLM Corporation | $5.0B | 43 | Hold |
Peer medians: ROE 9.5% · P/E 13.1x · Gross margin 100.0%