(OPFI) OppFi - Overview
Exchange: NYSE •
Country: United States •
Currency: USD •
Type: Common Stock •
ISIN: US68386H1032
Stock: Installment Loans, Digital Finance, Banking Services
Total Rating 36
Risk 94
Buy Signal -0.66
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 3.16% |
| Yield on Cost 5y | 2.47% |
| Yield CAGR 5y | 108.33% |
| Payout Consistency | 100.0% |
| Payout Ratio | 19.4% |
| Risk 5d forecast | |
|---|---|
| Volatility | 65.9% |
| Relative Tail Risk | -10.9% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | -0.73 |
| Alpha | -60.36 |
| Character TTM | |
|---|---|
| Beta | 1.417 |
| Beta Downside | 1.473 |
| Drawdowns 3y | |
|---|---|
| Max DD | 53.96% |
| CAGR/Max DD | 1.18 |
Description: OPFI OppFi January 19, 2026
OppFi Inc. (NYSE:OPFI) operates a technology-driven digital finance platform that supplies installment-loan products to U.S. banks, targeting borrowers who are often rejected by traditional lenders. Founded in 2012 and headquartered in Chicago, the firm’s primary consumer-facing brand is OppLoans, which delivers short-term, fixed-rate loans through a proprietary underwriting engine.
Key metrics and sector drivers to note: (1) FY 2023 reported net revenue of roughly $210 million, reflecting a 12% year-over-year increase driven by higher loan originations; (2) the company’s loan portfolio sits near $1.3 billion with an average interest rate of ~28%, positioning it in the high-yield, sub-prime segment that is sensitive to changes in consumer credit risk and unemployment trends; (3) delinquency rates have risen modestly to about 9% Q4 2023, a figure that remains above the industry average of ~5% for mainstream banks, underscoring the importance of credit-risk monitoring as the macro-economic environment tightens.
For a deeper, data-driven valuation and scenario analysis, consider checking ValueRay’s detailed model on OPFI.
Piotroski VR‑10 (Strict, 0-10) 5.0
| Net Income: 3.87m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.50 > 0.02 and ΔFCF/TA 1.38 > 1.0 |
| NWC/Revenue: 94.99% < 20% (prev 92.75%; Δ 2.24% < -1%) |
| CFO/TA 0.53 > 3% & CFO 379.0m > Net Income 3.87m |
| Net Debt (287.3m) to EBITDA (364.0m): 0.79 < 3 |
| Current Ratio: 8.54 > 1.5 & < 3 |
| Outstanding Shares: last quarter (26.6m) vs 12m ago 31.42% < -2% |
| Gross Margin: 82.30% > 18% (prev 0.72%; Δ 8158 % > 0.5%) |
| Asset Turnover: 85.61% > 50% (prev 84.48%; Δ 1.13% > 0%) |
| Interest Coverage Ratio: 3.25 > 6 (EBITDA TTM 364.0m / Interest Expense TTM 110.2m) |
Altman Z'' 8.20
| A: 0.76 (Total Current Assets 617.1m - Total Current Liabilities 72.3m) / Total Assets 720.6m |
| B: -0.07 (Retained Earnings -49.8m / Total Assets 720.6m) |
| C: 0.53 (EBIT TTM 357.5m / Avg Total Assets 669.9m) |
| D: -0.12 (Book Value of Equity -51.8m / Total Liabilities 443.4m) |
| Altman-Z'' Score: 8.20 = AAA |
Beneish M -3.50
| DSRI: 1.06 (Receivables 541.9m/466.6m, Revenue 573.5m/523.2m) |
| GMI: 0.88 (GM 82.30% / 72.34%) |
| AQI: 1.08 (AQ_t 0.10 / AQ_t-1 0.09) |
| SGI: 1.10 (Revenue 573.5m / 523.2m) |
| TATA: -0.52 (NI 3.87m - CFO 379.0m) / TA 720.6m) |
| Beneish M-Score: -3.50 (Cap -4..+1) = AAA |
What is the price of OPFI shares?
As of February 09, 2026, the stock is trading at USD 9.07 with a total of 347,698 shares traded.
Over the past week, the price has changed by -4.73%, over one month by -11.08%, over three months by -4.02% and over the past year by -42.81%.
Over the past week, the price has changed by -4.73%, over one month by -11.08%, over three months by -4.02% and over the past year by -42.81%.
Is OPFI a buy, sell or hold?
OppFi has received a consensus analysts rating of 4.50.
Therefore, it is recommended to buy OPFI.
- StrongBuy: 1
- Buy: 1
- Hold: 0
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the OPFI price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 15.2 | 67.3% |
| Analysts Target Price | 15.2 | 67.3% |
| ValueRay Target Price | 10.9 | 20.3% |
OPFI Fundamental Data Overview February 03, 2026
P/E Trailing = 136.0
P/E Forward = 5.685
P/S = 2.4779
P/B = 5.4407
Revenue TTM = 573.5m USD
EBIT TTM = 357.5m USD
EBITDA TTM = 364.0m USD
Long Term Debt = 320.8m USD (from longTermDebt, last quarter)
Short Term Debt = 10.0m USD (from shortTermDebt, last quarter)
Debt = 332.8m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 287.3m USD (from netDebt column, last quarter)
Enterprise Value = 1.12b USD (831.2m + Debt 332.8m - CCE 45.5m)
Interest Coverage Ratio = 3.25 (Ebit TTM 357.5m / Interest Expense TTM 110.2m)
EV/FCF = 3.10x (Enterprise Value 1.12b / FCF TTM 360.4m)
FCF Yield = 32.22% (FCF TTM 360.4m / Enterprise Value 1.12b)
FCF Margin = 62.83% (FCF TTM 360.4m / Revenue TTM 573.5m)
Net Margin = 0.68% (Net Income TTM 3.87m / Revenue TTM 573.5m)
Gross Margin = 82.30% ((Revenue TTM 573.5m - Cost of Revenue TTM 101.5m) / Revenue TTM)
Gross Margin QoQ = 84.14% (prev 80.77%)
Tobins Q-Ratio = 1.55 (Enterprise Value 1.12b / Total Assets 720.6m)
Interest Expense / Debt = 3.03% (Interest Expense 10.1m / Debt 332.8m)
Taxrate = 6.92% (5.65m / 81.6m)
NOPAT = 332.8m (EBIT 357.5m * (1 - 6.92%))
Current Ratio = 8.54 (Total Current Assets 617.1m / Total Current Liabilities 72.3m)
Debt / Equity = 6.73 (Debt 332.8m / totalStockholderEquity, last quarter 49.4m)
Debt / EBITDA = 0.79 (Net Debt 287.3m / EBITDA 364.0m)
Debt / FCF = 0.80 (Net Debt 287.3m / FCF TTM 360.4m)
Total Stockholder Equity = 29.5m (last 4 quarters mean from totalStockholderEquity)
RoA = 0.58% (Net Income 3.87m / Total Assets 720.6m)
RoE = 13.12% (Net Income TTM 3.87m / Total Stockholder Equity 29.5m)
RoCE = 102.0% (EBIT 357.5m / Capital Employed (Equity 29.5m + L.T.Debt 320.8m))
RoIC = 98.48% (NOPAT 332.8m / Invested Capital 337.9m)
WACC = 8.76% (E(831.2m)/V(1.16b) * Re(11.14%) + D(332.8m)/V(1.16b) * Rd(3.03%) * (1-Tc(0.07)))
Discount Rate = 11.14% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 21.29%
[DCF Debug] Terminal Value 78.05% ; FCFF base≈336.7m ; Y1≈394.8m ; Y5≈598.4m
Fair Price DCF = 309.3 (EV 8.84b - Net Debt 287.3m = Equity 8.56b / Shares 27.7m; r=8.76% [WACC]; 5y FCF grow 18.40% → 2.90% )
EPS Correlation: 65.88 | EPS CAGR: -1.25% | SUE: -4.0 | # QB: 0
Revenue Correlation: 91.63 | Revenue CAGR: 13.66% | SUE: 0.71 | # QB: 0
EPS next Quarter (2026-03-31): EPS=0.41 | Chg30d=+0.005 | Revisions Net=+1 | Analysts=4
EPS next Year (2026-12-31): EPS=1.74 | Chg30d=+0.000 | Revisions Net=+4 | Growth EPS=+10.7% | Growth Revenue=+11.0%
P/E Forward = 5.685
P/S = 2.4779
P/B = 5.4407
Revenue TTM = 573.5m USD
EBIT TTM = 357.5m USD
EBITDA TTM = 364.0m USD
Long Term Debt = 320.8m USD (from longTermDebt, last quarter)
Short Term Debt = 10.0m USD (from shortTermDebt, last quarter)
Debt = 332.8m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 287.3m USD (from netDebt column, last quarter)
Enterprise Value = 1.12b USD (831.2m + Debt 332.8m - CCE 45.5m)
Interest Coverage Ratio = 3.25 (Ebit TTM 357.5m / Interest Expense TTM 110.2m)
EV/FCF = 3.10x (Enterprise Value 1.12b / FCF TTM 360.4m)
FCF Yield = 32.22% (FCF TTM 360.4m / Enterprise Value 1.12b)
FCF Margin = 62.83% (FCF TTM 360.4m / Revenue TTM 573.5m)
Net Margin = 0.68% (Net Income TTM 3.87m / Revenue TTM 573.5m)
Gross Margin = 82.30% ((Revenue TTM 573.5m - Cost of Revenue TTM 101.5m) / Revenue TTM)
Gross Margin QoQ = 84.14% (prev 80.77%)
Tobins Q-Ratio = 1.55 (Enterprise Value 1.12b / Total Assets 720.6m)
Interest Expense / Debt = 3.03% (Interest Expense 10.1m / Debt 332.8m)
Taxrate = 6.92% (5.65m / 81.6m)
NOPAT = 332.8m (EBIT 357.5m * (1 - 6.92%))
Current Ratio = 8.54 (Total Current Assets 617.1m / Total Current Liabilities 72.3m)
Debt / Equity = 6.73 (Debt 332.8m / totalStockholderEquity, last quarter 49.4m)
Debt / EBITDA = 0.79 (Net Debt 287.3m / EBITDA 364.0m)
Debt / FCF = 0.80 (Net Debt 287.3m / FCF TTM 360.4m)
Total Stockholder Equity = 29.5m (last 4 quarters mean from totalStockholderEquity)
RoA = 0.58% (Net Income 3.87m / Total Assets 720.6m)
RoE = 13.12% (Net Income TTM 3.87m / Total Stockholder Equity 29.5m)
RoCE = 102.0% (EBIT 357.5m / Capital Employed (Equity 29.5m + L.T.Debt 320.8m))
RoIC = 98.48% (NOPAT 332.8m / Invested Capital 337.9m)
WACC = 8.76% (E(831.2m)/V(1.16b) * Re(11.14%) + D(332.8m)/V(1.16b) * Rd(3.03%) * (1-Tc(0.07)))
Discount Rate = 11.14% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 21.29%
[DCF Debug] Terminal Value 78.05% ; FCFF base≈336.7m ; Y1≈394.8m ; Y5≈598.4m
Fair Price DCF = 309.3 (EV 8.84b - Net Debt 287.3m = Equity 8.56b / Shares 27.7m; r=8.76% [WACC]; 5y FCF grow 18.40% → 2.90% )
EPS Correlation: 65.88 | EPS CAGR: -1.25% | SUE: -4.0 | # QB: 0
Revenue Correlation: 91.63 | Revenue CAGR: 13.66% | SUE: 0.71 | # QB: 0
EPS next Quarter (2026-03-31): EPS=0.41 | Chg30d=+0.005 | Revisions Net=+1 | Analysts=4
EPS next Year (2026-12-31): EPS=1.74 | Chg30d=+0.000 | Revisions Net=+4 | Growth EPS=+10.7% | Growth Revenue=+11.0%