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OppFi Inc.

Data quality: 100%
OPFI
NYSE Technology Software - Application
$7.91
▼ $0.05 (-0.63%)
Mkt Cap: 683.13M
Day Range
$7.82 $8.18
52-Week Range
$7.54 $15.03
Volume
215,679
50D / 200D Avg
$9.25 / $10.57
Prev Close
$7.96

Quick Summary

Price History

Financial Trends

Peer Comparison

vs Technology sector median (621 peers)

Metric Stock Sector Median
P/E 26.0 12.5
P/B 11.7 2.9
ROE % 57.7 8.9
Net Margin % 4.4 5.6
Rev Growth 5Y % 14.2 9.2
D/E 5.8 0.3

Analyst Price Target

Hold
$7.25 -8.3%
Low: $3.00 High: $13.00
Forward P/E
4.44
Forward EPS
$1.78
EPS Growth (est.)
+0.0%
Est. Revenue
662.06M

Earnings Estimates

Period EPS Est. Revenue Est. Analysts
FY2027 $2.02
$2.01 – $2.03
734.29M 2
FY2026 $1.78
$1.77 – $1.79
662.06M 3

Earnings Surprises

Last 8 quarters
Quarter Est. EPS Actual EPS Surprise
2026-03-11 $0.28 $0.30 +6.2%
2025-08-06 $0.30 $0.45 +50.0%
2025-08-05 $0.30 -$0.78 -364.7%
2025-05-07 $0.26 $0.38 +46.2%
2025-03-05 $0.14 $0.23 +64.3%
2024-11-07 $0.21 $0.33 +57.1%
2024-08-07 $0.17 $0.29 +70.6%
2024-05-08 $0.05 $0.10 +100.0%

Insider Trading Activity

20 transactions
Date Insider Type Shares Price Value
Dec 12, 2025
SCHWARTZ THEODORE G
other 186,737
Nov 21, 2025
Moore Jocelyn
sell 20,200 $9.23 $186,385.40
Nov 3, 2025
Johnson Pamela D.
CFO
sell 1,129 $10.00 $11,290.00
Nov 3, 2025
Johnson Pamela D.
CFO
other 469 $10.05 $4,713.45
Nov 3, 2025
McKay Christopher J.
Chief Risk & Analytics Officer
sell 1,107 $9.85 $10,903.95
Nov 3, 2025
McKay Christopher J.
Chief Risk & Analytics Officer
other 576 $10.05 $5,788.80
Oct 2, 2025
Johnson Pamela D.
CFO
sell 5,497 $11.21 $61,621.37
Oct 1, 2025
Schwartz Todd G.
Chief Executive Officer
other 2,643 $11.33 $29,945.19
Oct 1, 2025
Johnson Pamela D.
CFO
other 6,079
Jul 2, 2025
Johnson Pamela D.
CFO
sell 5,495 $13.41 $73,687.95
Jul 1, 2025
Schwartz Todd G.
Chief Executive Officer
other 2,643 $13.99 $36,975.57
Jul 1, 2025
Johnson Pamela D.
CFO
other 6,076
Jun 13, 2025
Schwartz Todd G.
Chief Executive Officer
sell 96,948
Jun 12, 2025
Schwartz Todd G.
Chief Executive Officer
sell 190,349
Jun 11, 2025
Zeeman Gregory T
sell 50,000 $13.98 $698,820.00
Jun 11, 2025
Johnson Pamela D.
CFO
sell 35,890 $13.97 $501,523.27
Jun 10, 2025
Zeeman Gregory T
grant 12,907
Jun 10, 2025
Vennettilli David
grant 51,627
May 27, 2025
McKay Christopher J.
Chief Risk & Analytics Officer
sell 35,001 $12.93 $452,538.43
May 23, 2025
McKay Christopher J.
Chief Risk & Analytics Officer
sell 66,488 $12.09 $803,713.59

Dividend History

2 yr streak

Yield

0.23%

Payout Ratio

2.47%

Growth (3Y)

N/A

Growth (5Y)

N/A

Ex-Date Payment Date Amount Yield
Apr 08, 2025 Apr 18, 2025 $0.25 4.67%
Apr 18, 2024 May 01, 2024 $0.12 4.17%

Key Takeaways

Revenue grew 14.24% annually over 5 years — strong growth
Earnings grew 262.76% over the past year
ROE of 57.70% indicates high profitability
Debt/Equity of 5.80 — high leverage
Generating 382.19M in free cash flow
PEG of 0.06 suggests growth is underpriced

Growth

Revenue Growth (5Y)
14.24%
Revenue (1Y)13.52%
Earnings (1Y)262.76%
FCF Growth (3Y)15.37%

Quality

Return on Equity
57.70%
ROIC36.44%
Net Margin4.41%
Op. Margin32.37%

Safety

Debt / Equity
5.80
Current Ratio7.44
Interest Coverage4.91

Valuation

P/E Ratio
25.95
Forward P/E4.44
P/B Ratio11.68
EV/EBITDA4.81
Dividend Yield0.23%

All Fundamental Metrics

Growth
Revenue Growth (1Y) 13.52% Revenue Growth (3Y) 8.31%
Earnings Growth (1Y) 262.76% Earnings Growth (3Y) N/A
Revenue Growth (5Y) 14.24% Earnings Growth (5Y) 0.75%
Profitability
Revenue (TTM) 597.05M Net Income (TTM) 26.33M
ROE 57.70% ROA 3.49%
Gross Margin 95.09% Operating Margin 32.37%
Net Margin 4.41% Free Cash Flow (TTM) 382.19M
ROIC 36.44% FCF Growth (3Y) 15.37%
Safety
Debt / Equity 5.80 Current Ratio 7.44
Interest Coverage 4.91
Dividends
Dividend Yield 0.23% Payout Ratio 2.47%
Dividend Growth (3Y) N/A Dividend Growth (5Y) N/A
Consecutive Div Years 2 yrs
Valuation
P/E Ratio 25.95 Forward P/E 4.44
P/B Ratio 11.68 P/S Ratio 1.14
PEG Ratio 0.06 Forward PEG N/A
EV/EBITDA 4.81 Fwd EV/EBITDA 3.02
Forward P/S 1.03 Fwd Earnings Yield 22.52%
FCF Yield 55.95%
Market Cap 683.13M Enterprise Value 929.15M

Income Statement

Annual, most recent first

Income statement data, annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Revenue 597.05M 525.96M 508.95M 452.86M 350.57M
Net Income 26.33M 7.26M -1.01M 7.10M 25.55M
EPS (Diluted) 0.99 0.36 -0.06 0.05 0.48
Gross Profit 567.71M 420.78M 401.52M 357.72M 261.40M
Operating Income 193.25M 94.54M 46.36M -6.34M 57.26M

Balance Sheet

Annual, most recent first

Balance sheet data, annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Total Assets 754.09M 641.17M 601.54M 579.84M 502.11M
Total Liabilities 445.21M 406.96M 407.51M 420.69M 344.23M
Shareholders' Equity 58.48M 32.77M 10.44M -494,000.0 -9.04M
Total Debt 339.29M 332.05M 349.18M 363.62M 274.02M
Cash & Equivalents 93.26M 61.34M 31.79M 16.24M 25.06M
Current Assets 639.50M 564.02M 539.28M 510.16M 450.47M
Current Liabilities 85.98M 59.80M 51.47M 55.18M 58.14M

Strategy Scores

This stock passed the criteria for 1 strategy

Score = fit strength (0–100)
Rank = position among all matches
#242 of 327
41

Recent Activity

Entered Growth at a Reasonable Price (Peter Lynch)
Mar 24, 2026