OppFi OPFI
- Market cap
- $461.8M
- PE
- 2.6×
- 5y median 44.1×
- Forward PE
- n/m
- not a meaningful number
- Price to sales
- 1.3×
- EV/EBIT
- 5.0×
- Revenue, 12 months
- $363.6M
- +0% on a year ago
- Net margin
- 28.0%
- Free cash flow yield
- n/m
- a yield above 40% (usually a one-off)
OppFi trades at 2.6× trailing earnings, cheaper than 100% of the last ten years. Revenue was $363.6M over the last twelve months, up 0% on a year earlier with a 28% net margin.
Charts
Financials
| Income statement | Q3 FY23 | Q4 FY23 | Q1 FY24 | Q2 FY24 | Q3 FY24 | Q4 FY24 | Q1 FY25 | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| $75.7M+44% | $65.8M+36% | $63.2M+11% | $86.3M+16% | $91.2M+21% | $80.8M+23% | $90.8M+44% | $100.2M+16% | $104.6M+15% | $85.6M+6% | $87.3M−4% | $86.2M−14% | |
| SG&A | $17.8M+13% | $16M+1% | $13.3M−3% | $16.7M−0% | $17.2M−4% | $17.1M+7% | $12.7M−4% | $15.8M−5% | $18.4M+7% | $19.1M+11% | $15.5M+22% | $16.1M+2% |
| $15.6M | $8.7M | $5.3M+42% | $29.5M+61% | $35.1M+125% | $24.7M+183% | $42.5M+704% | $44.8M+52% | $48.4M+38% | $30.9M+25% | $35.4M−17% | $24.4M−46% | |
| Interest expense | $12.1M+33% | −$34.7M | $11.4M+1% | $11M−2% | $11.3M−7% | $11M | $10.2M−10% | $9.6M−12% | $10.1M−11% | $9.4M−15% | $8.5M−17% | $8.1M−16% |
| Pre-tax income | $16M+4418% | $3M | $10.5M+159% | $28.6M+52% | $34.4M+115% | $14.6M+390% | $22M+109% | $12.7M−56% | $81.6M+138% | $39.8M+173% | $58M+163% | $25.5M+100% |
| $463K−54% | $1M | $404K+177% | $914K+33% | $2.3M+396% | $600K−42% | $1.7M+309% | $1.2M+34% | $5.6M+146% | $1.4M+127% | $4M+141% | $9.8M+704% | |
| Net income | $2.2M | −$5.6M | $5.5M+2106% | $3.1M+43% | $4.3M+97% | −$5.6M+1% | −$11.4M | −$20.8M | $41.6M+876% | $16.8M | $28.4M | $14.8M |
| $0.13 | −$0.31 | $0.10+400% | $0.16+14% | $0.21+62% | −$0.26−16% | −$0.48 | −$0.78 | $0.77+267% | $0.61 | $0.56 | $0.18 | |
| 17.1M+22% | 18.1M−79% | 86.2M+468% | 19.7M+24% | 20.2M+19% | 21.4M+19% | 23.7M−73% | 26.6M+35% | 88.2M+336% | 27.5M+28% | 86.2M+264% | 86M+223% |
EPS, diluted: 6 periods, Q4 FY20 to Q4 FY25: quarter's net income to common over its shares, to the cent.
Diluted shares: Q4 FY20: a loss quarter: its basic count, share-days: the 6-month average less the 3-month, weighted by days. 3 periods, Q4 FY21 to Q4 FY25: share-days: the 12-month average less the 9-month, weighted by days. Q4 FY23 and Q4 FY24: a loss quarter: its basic count, share-days: the 12-month average less the 9-month, weighted by days.
From each company's 10-Q and 10-K filings, the newest version of each figure. Quarters are as filed (a fourth quarter is the year less its first nine months), fiscal years as the 10-K prints them, restated where a later 10-K restated them, and balance sheet lines as of the period's end. A quarter whose 10-Q isn't filed yet is from the company's results release. Growth is on the same period a year earlier. A dash is a period with no figure for the line: the filing doesn't print it, or it hasn't been read yet.
Peers
Companies in Financial - Credit Services nearest OppFi's size, closest first.
| Company | Market cap | PE | Its 10y median PE | Fwd PE | P/S | Revenue growth | Net margin |
|---|---|---|---|---|---|---|---|
| OPFIOppFi | $461.8M | 2.6× | 44.1× | 1.3× | +0% | 28.0% | |
| PLBCPlumas Bancorp | $439.8M | 12.4× | 9.3× | 3.9× | +34% | 31.7% | |
| OPRTOportun Financial | $422.6M | 23.0× | 11.0× | 0.4× | −2% | 2.1% | |
| TREELendingTree | $376.4M | 2.2× | 69.5× | 0.3× | +25% | 14.3% | |
| RMNIRimini Street | $374.4M | 50.1× | 11.3× | 0.9× | +1% | 1.7% | |
| VELVelocity Financial | $604.1M | 5.6× | 10.5× | n/m | n/m | n/m | |
| LSAKLesaka Technologies | $349.3M | 102× | 7.8× | 0.5× | +9% | 0.4% | |
| PRTHPriority Technology | $644.7M | 11.3× | 15.2× | 0.6× | +9% | 5.6% | |
| CASSCass Information Systems | $702.2M | 19.7× | 23.4× | 3.5× | +8% | 18.5% | |
| RMRegional Management | $302.1M | 6.9× | 9.2× | 0.5× | +10% | 7.0% | |
| IRHOIron Horse Acquisition II | $295.5M | 67.2× | 67.1× | n/m | n/m | n/m | |
| Peer median | $399.5M | 16.1× | 11.2× | 0.6× | +9% | 6.3% |
More on OppFi
Each number over time
- PE ratio
- Price to sales ratio
- EV/EBIT
- Price to free cash flow
- Price to book ratio
- Market cap
- Revenue
- EPS
- Free cash flow
- Profit margin
- Shares outstanding
Where it ranks
- #2of 490Financial stocks with the lowest PE ratio
- #2of 73Credit services stocks with the lowest PE ratio
- #9of 70Credit services stocks with the lowest EV/EBIT
Its groups
About
- Industry
- Financial - Credit Services
- Sector
- Financial Services
Valuation data, not investment advice. Prices as of .