OPFINYSEFinance ServicesFiscal year ends December 31
OppFi Inc.
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 10, 2026
$5.56−0.09 (-1.59%)
Close on Oct 19, 2026
- Market cap
- $478.37M
- P/E (TTM)
- 5.6
- Dividend yield
- 4.50%
OppFi statistics
Financials through Jun 30, 2026, price as of Oct 19, 2026, median of Finance Services companies for comparison
Valuation
| Measure | OppFi | Industry median |
|---|---|---|
| Market Cap | $473.76M | $196.46M |
| Enterprise Value | $409.41M | $149.54M |
| PS Ratio | 1.30 | 2.60 |
| PB Ratio | 1.14 | 1.17 |
| P/TBV Ratio | 1.14 | 1.35 |
| P/FCF Ratio | 1.23 | 11.82 |
| P/OCF Ratio | 1.17 | 5.60 |
Enterprise value
| Measure | OppFi | Industry median |
|---|---|---|
| EV / Sales | 1.13 | 2.38 |
| EV / EBITDA | 2.86 | 5.29 |
| EV / EBIT | 2.94 | 10.12 |
| EV / FCF | 1.06 | 10.53 |
Income (trailing twelve months)
| Measure | OppFi | Industry median |
|---|---|---|
| Revenue | $363.60M | $66.09M |
| Operating Income | $139.10M | -$13.30M |
| Pretax Income | $204.85M | -$3.63M |
| Net Income | $101.72M | -$4.73M |
| EBITDA | $143.09M | -$9.63M |
Margins
| Measure | OppFi | Industry median |
|---|---|---|
| Operating Margin | 38.3% | -119.4% |
| Pretax Margin | 56.3% | -16.6% |
| Profit Margin | 28.0% | -19.9% |
| EBITDA Margin | 39.4% | -66.1% |
| FCF Margin | 105.9% | -29.5% |
Returns
| Measure | OppFi | Industry median |
|---|---|---|
| Return on Equity (ROE) | 47.6% | -22.3% |
| Return on Assets (ROA) | 14.1% | -11.1% |
| Return on Invested Capital (ROIC) | 87.7% | -31.2% |
Growth
| Measure | OppFi | Industry median |
|---|---|---|
| Revenue Growth (YoY) | 0.15% | 20.3% |
| FCF Growth (YoY) | 15.2% | 18.7% |
| Revenue Growth (3Y CAGR) | 20.7% | 5.87% |
| Revenue Growth (5Y CAGR) | 13.7% | 10.4% |
| EPS Growth (3Y CAGR) | 170.5% | 5.11% |
Balance sheet
| Measure | OppFi | Industry median |
|---|---|---|
| Cash & Short-Term Investments | $64.35M | $20.41M |
| Net Cash (Debt) | $64.35M | $7.08M |
| Net Cash Per Share | $0.76 | $0.22 |
| Equity (Book Value) | $414.26M | $200.96M |
| Book Value Per Share | $4.86 | $3.89 |
| Tangible Book Value | $414.26M | $127.80M |
Cash flow (trailing twelve months)
| Measure | OppFi | Industry median |
|---|---|---|
| Operating Cash Flow | $404.76M | -$5.82M |
| Capital Expenditures | -$19.86M | -$4.19M |
| Free Cash Flow | $384.90M | -$17.98M |
| FCF Per Share | $4.52 | -$0.27 |
Efficiency
| Measure | OppFi | Industry median |
|---|---|---|
| Asset Turnover | 0.50 | 0.17 |
| Revenue Per Employee | $886.82K | $705.30K |
| Profits Per Employee | $248.11K | -$252.56K |
| Employee Count | 410 | 48 |
Dividends and yields
| Measure | OppFi | Industry median |
|---|---|---|
| Earnings Yield | 21.5% | -11.5% |
| FCF Yield | 81.2% | -16.1% |
| Dividend Yield | 4.50% | 2.22% |
| Buyback Yield | 5.64% | 0.13% |
| Shareholder Yield | 10.1% | 0.15% |
| Dividend Per Share | $0.25 | $1.15 |
| Dividend Growth (YoY) | 108.3% | 5.11% |
| Years of Dividend Growth | 1 | 0 |
Shares
| Measure | OppFi | Industry median |
|---|---|---|
| Shares Outstanding | 85,208,200 | 55,074,600 |
| Shares Change (YoY) | 220.9% | 12.9% |
| Float | 28,849,700 | 41,965,050 |
| Shares Held by Insiders | 66.1% | 18.6% |
| Shares Held by Institutions | 26.3% | 34.2% |
Taxes
| Measure | OppFi | Industry median |
|---|---|---|
| Income Tax | $20.83M | $100.87K |
| Effective Tax Rate | 10.2% | 22.5% |
Scores
| Measure | OppFi | Industry median |
|---|---|---|
| Altman Z-Score | 1.88 | 0.30 |
| Piotroski F-Score | 6 | 4 |
Calculated by StockData from OppFi's SEC filings and the latest closing price. Hover a measure to see its formula. The grey column is the median of companies in the same industry group (two-digit SIC code); green or red marks a better or worse value than that median.