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 | $199.16M |
| Enterprise Value | $409.41M | $160.19M |
| PS Ratio | 1.30 | 2.66 |
| PB Ratio | 1.14 | 1.17 |
| P/TBV Ratio | 1.14 | 1.40 |
| P/FCF Ratio | 1.23 | 12.30 |
| P/OCF Ratio | 1.17 | 5.61 |
Enterprise value
| Measure | OppFi | Industry median |
|---|---|---|
| EV / Sales | 1.13 | 2.72 |
| EV / EBITDA | 2.86 | 3.89 |
| EV / EBIT | 2.94 | 6.12 |
| EV / FCF | 1.06 | 11.30 |
Income (trailing twelve months)
| Measure | OppFi | Industry median |
|---|---|---|
| Revenue | $363.60M | $61.19M |
| Operating Income | $139.10M | -$13.20M |
| Pretax Income | $204.85M | -$4.81M |
| Net Income | $101.72M | -$5.16M |
| EBITDA | $143.09M | -$9.49M |
Margins
| Measure | OppFi | Industry median |
|---|---|---|
| Operating Margin | 38.3% | -125.1% |
| Pretax Margin | 56.3% | -25.1% |
| Profit Margin | 28.0% | -21.0% |
| EBITDA Margin | 39.4% | -67.0% |
| FCF Margin | 105.9% | -22.8% |
Returns
| Measure | OppFi | Industry median |
|---|---|---|
| Return on Equity (ROE) | 47.6% | -22.5% |
| Return on Assets (ROA) | 14.1% | -11.8% |
| Return on Invested Capital (ROIC) | 87.7% | -33.3% |
Growth
| Measure | OppFi | Industry median |
|---|---|---|
| Revenue Growth (YoY) | 0.15% | 19.7% |
| FCF Growth (YoY) | 15.2% | 18.7% |
| Revenue Growth (3Y CAGR) | 20.7% | 5.53% |
| Revenue Growth (5Y CAGR) | 13.7% | 10.1% |
| EPS Growth (3Y CAGR) | 170.5% | 5.11% |
Balance sheet
| Measure | OppFi | Industry median |
|---|---|---|
| Cash & Short-Term Investments | $64.35M | $20.81M |
| Net Cash (Debt) | $64.35M | $7.60M |
| Net Cash Per Share | $0.76 | $0.22 |
| Equity (Book Value) | $414.26M | $165.65M |
| Book Value Per Share | $4.86 | $3.80 |
| Tangible Book Value | $414.26M | $127.24M |
Cash flow (trailing twelve months)
| Measure | OppFi | Industry median |
|---|---|---|
| Operating Cash Flow | $404.76M | -$5.36M |
| Capital Expenditures | -$19.86M | -$5.04M |
| Free Cash Flow | $384.90M | -$15.68M |
| FCF Per Share | $4.52 | -$0.26 |
Efficiency
| Measure | OppFi | Industry median |
|---|---|---|
| Asset Turnover | 0.50 | 0.16 |
| 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% | -10.6% |
| FCF Yield | 81.2% | -13.8% |
| Dividend Yield | 4.50% | 2.22% |
| Buyback Yield | 5.64% | 0.12% |
| Shareholder Yield | 10.1% | 0.14% |
| 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 | 56,031,200 |
| Shares Change (YoY) | 220.9% | 12.9% |
| Float | 28,849,700 | 43,350,400 |
| Shares Held by Insiders | 66.1% | 18.5% |
| Shares Held by Institutions | 26.3% | 34.2% |
Taxes
| Measure | OppFi | Industry median |
|---|---|---|
| Income Tax | $20.83M | $82.74K |
| Effective Tax Rate | 10.2% | 22.6% |
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.