OppFi Inc. (OPFI) stock
OPFINYSEFinance ServicesFiscal year ends December 31
Financials through Q3 FY2026, quarter ended Sep 30, 2026Last filing: 10-Q on Nov 5, 2026Score 13/3073% below fair value
$5.94+0.03 (+0.51%)
Close on Nov 13, 2026Market cap $506.14MP/E –Yield 4.21%
OppFi statistics
88 measures from SEC filings and the closing price. Hover a name for the formula; the last column is the median of companies in the same industry group.
Important dates
- Next earnings
- Mar 10, 2027 (estimated, before the open)
- Last ex-dividend date
- Apr 8, 2025
- Fundamentals through
- Sep 30, 2026
- Share price as of
- Nov 13, 2026
Valuation ratiosIndustry
- P/TBV Ratio
- 1.14
- 1.13
- P/OCF Ratio
- 1.31
- 5.84
Enterprise valuationIndustry
- EV / Sales
- 1.15
- 2.54
- EV / EBIT
- 3.16
- 10.57
- EV / FCF
- 1.10
- 9.23
Share statisticsIndustry
- Shares Change (YoY)
- 80.9%
- 13.6%
- Float
- 29M
- 40M
- Shares Held by Insiders
- 66.1%
- 18.2%
- Shares Held by Institutions
- 26.3%
- 27.7%
Short sellingIndustry
- Short Interest
- 5M
- –
- Short Interest Change
- 6.43%
- -0.08%
- Short % of Float
- 15.8%
- 6.48%
- Short % of Shares Outstanding
- 5.35%
- 5.35%
- Days to Cover
- 5.15
- 3.79
Stock price statisticsIndustry
- 52-Week High
- $11.69
- –
- 52-Week Low
- $5.36
- –
- 20-Day Moving Average
- $5.82
- –
- 50-Day Moving Average
- $6.22
- –
- 200-Day Moving Average
- $8.03
- –
- Average True Range (14)
- $0.25
- –
- Price Change (1 Week)
- -3.73%
- -4.00%
- Price Change (1 Month)
- 2.95%
- -17.2%
- Price Change (3 Months)
- -15.4%
- -15.4%
- Price Change (6 Months)
- -31.0%
- -32.2%
- Price Change (YTD)
- -43.2%
- -37.2%
- Price Change (1 Year)
- -39.6%
- -50.6%
- Price Change (3 Years)
- 128.5%
- -32.7%
- Price Change (5 Years)
- -21.1%
- -81.6%
- Average Volume (10 Days)
- 966,133
- –
- Average Volume (20 Days)
- 944,496
- –
- Average Volume (90 Days)
- 853,907
- –
- Relative Volume
- 0.48
- 0.72
- Relative Strength Index (14)
- 48.5
- 39.6
- Volatility (1 Year)
- 48.4%
- 94.5%
- Beta (5 Years)
- 1.04
- 1.24
MarginsIndustry
- Pretax Margin
- 46.6%
- -6.66%
- EBITDA Margin
- 37.7%
- -66.0%
- FCF Margin
- 104.2%
- -32.1%
Returns on capitalIndustry
- Return on Equity (ROE)
- 38.4%
- -20.8%
- Return on Assets (ROA)
- 12.1%
- -7.97%
- Return on Invested Capital (ROIC)
- 70.5%
- -25.6%
GrowthIndustry
- Revenue Growth (YoY)
- -6.55%
- 15.4%
- Net Income Growth (YoY)
- 2341.1%
- -22.9%
- FCF Growth (YoY)
- 1.70%
- 16.1%
- Revenue Growth (3Y CAGR)
- 20.7%
- 5.94%
- Revenue Growth (5Y CAGR)
- 13.7%
- 10.7%
- EPS Growth (3Y CAGR)
- 170.5%
- 5.11%
EfficiencyIndustry
- Asset Turnover
- 0.45
- 0.16
- Revenue Per Employee
- $858.03K
- $675.54K
- Profits Per Employee
- $230.65K
- -$170.28K
- Employee Count
- 410
- 47
- WACC
- 10.3%
- 11.0%
Income statement (TTM)Industry
- Pretax Income
- $164.02M
- -$2.77M
Balance sheetIndustry
- Net Cash (Debt)
- $102.69M
- $7.04M
- Net Cash Per Share
- $1.21
- $0.19
- Equity (Book Value)
- $443.32M
- $224.68M
- Book Value Per Share
- $5.20
- $4.10
- Tangible Book Value
- $443.32M
- $156.69M
Cash flow (TTM)Industry
- Capital Expenditures
- -$18.45M
- -$4.95M
- FCF Per Share
- $4.30
- -$0.22
Dividends and yieldsIndustry
- Earnings Yield
- 18.7%
- -13.4%
- FCF Yield
- 72.4%
- -15.4%
- Dividend Yield
- 4.21%
- 1.98%
- Buyback Yield
- 5.16%
- 0.46%
- Shareholder Yield
- 9.37%
- 0.51%
- Dividend Per Share
- $0.25
- $1.06
- Dividend Growth (YoY)
- 108.3%
- 5.11%
- Years of Dividend Growth
- 1
- 0
Taxes and interestIndustry
- Income Tax
- $21.45M
- $213.00K
- Effective Tax Rate
- 13.1%
- 21.2%
Scores and fair valueIndustry
- Altman Z-Score
- 1.75
- 0.36
- Piotroski F-Score
- 6
- 4
Total return vs. the S&P 500
Price change plus reinvested dividends, to the close on Nov 13, 2026. The S&P 500 is measured by the SPY fund.
| Period | OPFI | S&P 500 | Difference | OPFI per year | S&P 500 per year |
|---|---|---|---|---|---|
| 1 month | +2.1% | -3.0% | +5.1 pts | ||
| 3 months | -16.7% | -2.8% | −13.9 pts | ||
| Year to date | -43.2% | +11.5% | −54.7 pts | ||
| 1 year | -38.6% | +13.5% | −52.0 pts | ||
| 3 years | +160.8% | +77.7% | +83.1 pts | +37.7% | +21.1% |
| 5 years | -15.1% | +72.6% | −87.7 pts | -3.2% | +11.5% |
Short interest
Shares sold short and not yet covered, reported by brokers to FINRA twice a month. Latest settlement date Oct 30, 2026.
5M OPFI shares were sold short on Oct 30, 2026, up 6.4% from the previous report, or 15.79% of the shares available to trade. At recent volumes it would take 5.2 days to buy them back. Over the last 20 sessions, 44.8% of the volume reported to FINRA was short selling.
| Settlement date | Shares short | Change | Avg. daily volume | Days to cover |
|---|---|---|---|---|
| Oct 30, 2026 | 4,558,531 | +6.4% | 885,543 | 5.2 |
| Oct 15, 2026 | 4,283,126 | -0.8% | 579,053 | 7.4 |
| Sep 30, 2026 | 4,315,928 | +23.5% | 939,609 | 4.6 |
| Sep 15, 2026 | 3,494,465 | +8.4% | 917,211 | 3.8 |
| Aug 31, 2026 | 3,223,902 | -8.8% | 688,801 | 4.7 |
| Aug 14, 2026 | 3,536,519 | +47.1% | 1,641,212 | 2.1 |
| Jul 31, 2026 | 2,404,774 | -7.8% | 446,977 | 5.4 |
| Jul 15, 2026 | 2,607,872 | -4.8% | 716,513 | 3.6 |
| Jun 30, 2026 | 2,739,256 | +25.4% | 1,097,314 | 2.5 |
| Jun 15, 2026 | 2,184,629 | -5.4% | 672,443 | 3.3 |
| May 29, 2026 | 2,309,199 | -25.2% | 649,452 | 3.6 |
| May 15, 2026 | 3,086,068 | -2.6% | 874,687 | 3.5 |
Ratios use trailing-twelve-month results and the latest balance sheet. How we calculate.
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