OppFi Inc.: stock overview

OPFINYSEFinancial services · Finance Services

Price

$5.94

November 13, 2026Market cap $505M

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See the plans
  • The full history: 7 fiscal years, from 2019
  • The estimated fair value, with its range and its certainty
  • The full analysis, 18 a month
  • More questions to the chat on its filings
  • Excel with every year
  • An email when it reports, changes its dividend or an officer buys

Sign in with a free account to see the last 5 fiscal years.

Notes on these figures

  • Earnings per share here are the last twelve months' earnings over today's shares, so they agree with the P/E. The number of shares changed a lot during the year, so they differ from the earnings per share the company filed, which use the year's average number of shares.

In short

OppFi had revenue of $352M over the last 12 months and net income of $95M, a net margin of 26.9%. Revenue grew by 13.7% a year on average over the last 5 years. At $5.94 the shares trade at a P/E of 5.3, against a median of 15.9 over the last 4 fiscal years. It has net debt of $247M. It pays no dividend.

From its SEC filings (latest fiscal year to December 31, 2025) and the price of November 13, 2026.

Its SEC filings
Market cap
$505M
85.07M shares
P/E
5.3
Today5.3
Median15.9
Revenue, 12 months
$352M
+13.7% a year over 5 years
Net margin
26.9%
2025: 6.9%, above 52% of its industry

Worth knowing

What a holder would want to hear from the company's SEC filings of the last three years. Each with its filing, without comment.

3 fiscal years in figures

Each fiscal year's figures as the company filed them, and the share price at its end.

2023–2025 fiscal years

+18.1% a year over 2 years

  • 202510-K
    Revenue$381M
  • 202410-K
    Revenue$321M
  • 202310-K
    Revenue$273M

Fiscal years in figures

OPFI's revenue, profit, cash flow and dividend with each year-end price, from 2019 to 2022, 4 more fiscal years

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Key figures

The company's current figures in five groups. Each term is explained behind its ⓘ.

Valuation

Market cap 3-year median: $154M
$505M
Enterprise value 
$752M
P/E 
5.3
EV / EBIT 
5.9
EV / Revenue 
2.1
P/B 3-year median: 4.7
1.1
FCF yield 3-year median: 201.4%
72.5%
Earnings yield 3-year median: 4.7%
18.7%

Profitability

Operating margin 
36.3%
Net margin 3-year median: 2.3%
26.9%
ROIC 
53.3%
ROIC, 5-year average 
167.8%
ROE 
45.4%

Growth

Revenue, yearly change 
+18.6%
EPS, yearly change 
+175.0%
FCF, yearly change 
+23.0%
Revenue, average a year 
+13.7%

The yearly change compares FY2025 with FY2024.

Balance sheet

Cash 
$103M
Total debt 
$360M
Of which operating leases 
$9.9M
Net debt 
$247M
Net debt / EBITDA 
1.9x
Interest cover 
–
Current ratio 
–

Balance sheet of September 30, 2026.

Returns to shareholders

Dividend yield 
0.00%
Buybacks 
3.07%
Total returned 
3.07%
Shares, yearly change 
+31.6%
Valuation against its own pastEach fiscal year's P/E, P/FCF and P/B beside today's, and the DCF calculator for the company.Valuation

Against its industry

Where its margins and returns stood in fiscal 2025 among the SEC filers of its industry (SIC code 61).

Operating margin

43.7%

Above 93% of the 51 companies in its industry, and 97% of all.

Net margin

6.9%

Above 52% of the 105 companies in its industry, and 58% of all.

ROE

45.0%

Above 97% of the 102 companies in its industry, and 96% of all.

ROA

3.5%

Above 83% of the 109 companies in its industry, and 64% of all.

Revenue growth

18.6%

Above 61% of the 106 companies in its industry, and 79% of all.

From the yearly figures every company files with the SEC, for those with revenue of at least $25 million. The industry is the first two digits of the SIC code.

The company at the SEC

How it is registered and when its fiscal year ends.

Name at the SEC
OppFi Inc.
CIK
1818502
Exchange
NYSE
Industry (SIC)
6199 · Finance Services
Fiscal year ends
December 31
Latest annual report
December 31, 2025
Reporting currency
USD
Shares
85.07M

Other companies: Financial services

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The full analysis

What do OppFi's filings show?

These are OppFi's figures. The full Ploutos AI analysis reads everything the company has filed and shows what stands behind it, with a source for every figure.

  • A fair value range built from the filings
  • Earnings quality, debt and red flags
  • Insider and institutional moves
  • The case for and the case against

Questions about OPFI

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What is OPFI's market cap?

OppFi Inc.'s market cap is $505M, at a price of $5.94 on November 13, 2026 and 85.07M shares.

What is OPFI's P/E?

OPFI's P/E is 5.3, on earnings per share of $1.11 over the last 12 months. The median over the last 4 fiscal years was 15.9.

How much revenue does OPFI have?

OppFi had revenue of $352M over the last 12 months. Over the last 5 years it changed by +13.7% a year on average.

Does OPFI pay a dividend?

No. OppFi paid no regular dividend over the last 12 months.

Where do the figures come from?

From OppFi Inc.'s SEC filings (10-K and 10-Q) and the share price. They hold no analyst estimates and no score, and they are not a recommendation.

Related pages

The other pages on US stocks, free to read. On the company pages, the last three fiscal years are open to everyone, five with a free account, and every year with Ploutos Investor.

US stocksThe market today, the sectors, the largest companies and the week's results.The market's sectorsThe 11 sectors side by side: returns, share of the market, median P/E and dividend.Compare stocksTwo companies side by side: price over up to ten years, with and without dividends, and every figure.US dividend stocksEach dividend's yield next to whether the company's cash covers it and whether it was ever cut.

The figures come from the company's SEC filings and the share price, and describe what it has reported. They are not a score or a fair value.