OppFi Inc. (OPFI) stock analysis
Close on Nov 12, 2026Market cap $503.58MP/E –Yield 4.23%
StockData Score
Prices as of Nov 11, 2026How the score works
Mixed13 of 30 checks passed
OppFi passes 13 of the 30 checks behind our score; 12 could not be run for lack of data and count as not passed. Each dot in the shape is one check — hover it for the numbers.
- Valuation
- 3/6
- Growth
- 2/6
- Past performance
- 4/6
- Financial health
- 4/6
- Dividend
- 0/6
What stands out
Margin of safety over 20%
The price is 73.1% below fair value, more than the 20% cushion we look for.
Trading below fair value
The share price of $5.98 is below our fair value estimate of $22.25.
Return on capital over 10%
Return on invested capital was 70.5%, above the 10% that usually covers the cost of capital.
No debt
OppFi has no borrowings on its latest balance sheet.
What to watch
Elevated bankruptcy risk
The Altman Z-score is 1.76; above 3 is the safe zone and below 1.8 the distress zone.
Guidance lowered
OppFi lowered its full year 2026 Total revenue outlook on Aug 10, 2026.
P/B above the industry
OppFi's price-to-book of 1.15 is above the Finance services median of 0.83.
Growing slower than the industry
Revenue grew -6.5% over the last twelve months; the Finance services median is 9.8%.
Valuation3/6
P/E against its history
Not enough price and earnings history to compare.
P/E against the industry
Needs positive earnings and enough profitable companies in the industry.
EV/EBITDA below its 5-year median
OppFi's EV/EBITDA of 3.1 is below its 5-year median of 3.9.
P/B above the industry
OppFi's price-to-book of 1.15 is above the Finance services median of 0.83.
Trading below fair value
The share price of $5.98 is below our fair value estimate of $22.25.
Margin of safety over 20%
The price is 73.1% below fair value, more than the 20% cushion we look for.
Growth2/6
Revenue growing 10%+ a year
Revenue grew 20.7% a year over the last three fiscal years.
EPS growing 10%+ a year
Diluted EPS grew 171% a year over the last three fiscal years.
Earnings acceleration
Needs positive net income now, a year ago and five years ago.
Growing slower than the industry
Revenue grew -6.5% over the last twelve months; the Finance services median is 9.8%.
Guidance lowered
OppFi lowered its full year 2026 Total revenue outlook on Aug 10, 2026.
Gross margin trend
This company does not report gross profit.
Past performance4/6
Return on equity
Needs positive equity and five years of results.
Return on capital over 10%
Return on invested capital was 70.5%, above the 10% that usually covers the cost of capital.
Return on equity above the industry
OppFi's return on equity of 38.4% is above the Finance services median of -33.5%.
Earnings over 5 years
Needs positive net income five years ago and in the latest year.
Net margin above its 5-year average
Net margin was 26.9% over the last twelve months, against a 5-year average of 4.4%.
Net margin above the industry
OppFi's net margin of 26.9% is above the Finance services median of -64.5%.
Financial health4/6
No debt
OppFi has no borrowings on its latest balance sheet.
Debt not rising
With no debt today, leverage cannot have risen.
Debt covered by cash flow
There is no debt to cover.
Interest well covered
No meaningful interest expense to cover.
Short-term liquidity
The balance sheet is not split into current and non-current items.
Elevated bankruptcy risk
The Altman Z-score is 1.76; above 3 is the safe zone and below 1.8 the distress zone.
Dividend0/6
No dividend
OppFi has not paid a dividend in the last twelve months.
Yield against Treasuries
No dividend.
Yield against the market
No dividend.
Dividend stability
No dividend.
Earnings cover
No dividend.
Cash-flow cover
No dividend.
Fair value
How we estimate itOur estimate per share
$22.25
The share price is 73% below this estimate.
| Method | Multiple used | Own 5Y median | Industry median | Value per share | Weight |
|---|---|---|---|---|---|
| EV/EBITDA | 9.0× | 3.9× | 13.8× | $15.26 | 70% |
| Earnings power | 10.1% cost of equity | – | – | $38.57 | 30% |
| Fair value | $22.25 | 100% | |||
Valuation over time
Using the earnings and balance sheet published at each date, not today's.
- P/E at month end
- Finance services median 11.8
An estimate from reported numbers and market multiples, not a price target or investment advice. It can be far off for companies whose profits are about to change sharply.
Market risk
From the past year of daily prices.
Liquidity
Medium risk
- Average value traded per day
- $4.84M
- Value traded per 1% price move
- $2.48M
Downside
High risk
- Typical loss in a bad month
- 26.6%
- Volatility (annualized)
- 48%
- Sharpe ratio, 1 year
- -0.93
- Beta to the S&P 500 (5Y)
- 1.05
Typical bad-month loss, week by week
Margins
Share of revenue, fiscal years 2018 to 2025
Operating margin
Net margin
Growth rates
Compound annual growth to fiscal 2025
| Per year | 1 year | 3 years | 5 years | 10 years | Five-year pace |
|---|---|---|---|---|---|
| Revenue | +18.6% | +20.7% | +13.7% | – | |
| Operating income | +76.3% | – | +16.5% | – | |
| Net income | +262.8% | +54.8% | – | – | |
| EPS, diluted | +175.0% | +170.5% | – | – | |
| Free cash flow | +23.0% | +18.4% | +16.1% | – | |
| Dividend per share | +108.3% | – | – | – |
Returns and balance sheet
8 fiscal years. Hover a measure to see how it is calculated.
| Measure | FY2018 | FY2020 | FY2025 | Trend |
|---|---|---|---|---|
| Return on equity | – | – | 57.7% | |
| Return on assets | – | – | 3.8% | |
| Interest coverage | – | 4.1× | – | |
| Capex to revenue | – | 5.4% | 5.0% | |
| Diluted shares | – | 0M | 27M |
Where the cash went
Fiscal 2021 to 2025, five years combined
OppFi generated $1.43B from operations and spent $99.05M on capital expenditure, dividends and share buybacks. 69% of that went back into the business.
DuPont analysis
Return on equity split into margin, efficiency and leverage
| Fiscal year | Net margin | Asset turnover | Equity multiplier | Return on equity |
|---|---|---|---|---|
| FY2025 | 6.9% | 0.55× | 15.29× | 57.7% |
| FY2024 | 2.3% | 0.52× | 28.76× | 33.6% |
| FY2023 | -0.4% | 0.46× | 118.78× | -20.2% |
| FY2022 | 3.3% | 0.40× | -113.48× | -148.9% |
| FY2021 | 9.7% | 0.67× | -195.04× | -1265.1% |
Piotroski F-Score
Nine tests of profitability, balance sheet and efficiency, fiscal 2025 against fiscal 2024
- ProfitableNet income above zero$26.33M
- Cash generatingOperating cash flow above zero$401.31M
- Return on assets improvedROA up on the prior year1.2% → 4.1%
- Earnings backed by cashOperating cash flow above net income$401.31M vs $26.33M
- Less leverageLong-term debt to assets fell– → –
- Better liquidityCurrent ratio rose– → –
- No dilutionShare count did not rise20M → 27M
- Gross margin improvedGross margin up on the prior year– → –
- More efficientAsset turnover rose0.53 → 0.59
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