OppFi Inc. (OPFI)
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No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total revenue | $m | 291 | 351 | 453 | 509 | 526 | 597 | 611 | 612 |
| Operating profit | $m | 193 | 204 | ||||||
| Net profit | $m | 78 | 26 | 7 | -1 | 7 | 26 | 102 | 38 |
| EPS reported | $ | 0.99 | 2.21 | ||||||
| Operating cashflow per share | $ | 15.14 | 6.07 | ||||||
| Capex per share | $ | 0.72 | 0.29 | ||||||
| FCF per share | $ | 14.42 | 5.77 | ||||||
| Free cash flow | $m | 382 | 390 | ||||||
| Net debt | $m | 272 | 219 | ||||||
| Book value equity | $m | 58 | - | ||||||
| Book value per share | $ | 2.21 | 6.14 | ||||||
| Number of shares | m | 26.51 | 86.04 | ||||||
| DPS (TTM paid) | $ | 2.45 | 0.39 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 10.57 | 2.77 | ||||||
| P/B LTM | x | 4.74 | 1.17 | ||||||
| P/S LTM | x | 0.46 | 0.45 | ||||||
| P/FCF LTM | x | 0.73 | 0.71 | ||||||
| EV/EBITDA LTM | x | 2.79 | 4.65 | ||||||
| EV/Sales LTM | x | 0.94 | 1.52 | ||||||
| Earnings Yield LTM | % | +9.46% | +36.10% | ||||||
| FCF Yield | % | +137.85% | +140.55% | ||||||
| Quality | |||||||||
| ROE | % | +45.02% | +68.06% | ||||||
| ROIC | % | +27.09% | +87.09% | ||||||
| Operating margin | % | +32.37% | +36.89% | ||||||
| Gross margin | % | +95.09% | +99.75% | ||||||
| FCF/Sales | % | +64.01% | +70.54% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +175.00% | +513.89% | ||||||
| Sales Growth YoY | % | +13.52% | +16.24% | ||||||
| Net Income Growth YoY | % | +262.76% | +1301.5% | ||||||
| FCF Growth | % | +22.97% | +25.38% | ||||||
| Operating Profit Growth | % | +104.42% | +115.58% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +23.41% | 0.00% | ||||||
| Dividend Growth | % | +879.60% | +55.52% | ||||||
| Payout Ratio | % | +247.37% | +22.95% | ||||||
| FCF/Debt | x | 1.15 | 1.33 | ||||||
| Net Debt/EBITDA | x | 1.41 | 1.90 | ||||||
| EBIT/Net interest | x | 4.91 | 5.64 | ||||||
| Net debt/market cap | % | +1.16% | +46.52% | ||||||
| Net debt/Equity | x | 4.65 | - | ||||||
| Gross debt/equity | x | 5.69 | - | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
OppFi Inc. provides a financial technology platform that enables banks to extend various lending solutions. This platform notably features several distinct financial instruments: the OppLoan, a standard installment loan; SalaryTap, an installment loan secured via payroll deduction; and the OppFi Card, a dedicated credit card. OppFi's headquarters are situated in Chicago, Illinois.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
No price history available.
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
OppFi Inc. provides a financial technology platform that enables banks to extend various lending solutions. This platform notably features several distinct financial instruments: the OppLoan, a standard installment loan; SalaryTap, an installment loan secured via payroll deduction; and the OppFi Card, a dedicated credit card. OppFi's headquarters are situated in Chicago, Illinois.
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