Symbols / OPFI Stock $8.95 +0.62% OppFi Inc.

Financial Services • Credit Services • United States • NYQ
OPFI (Stock) Chart
O: — H: — L: — C: — V: —
SMA 20: — SMA 50: — SMA 200: —
Stock Fundamentals
Scroll to Statements
Index EQUITY
Sector Financial Services
Industry Credit Services
CEO Mr. Todd G. Schwartz
Exch · Country NYQ · United States
Market Cap 236.48M
Enterprise Value 768.74M
Income 26.33M
Sales 341.82M
FCF (ttm) —
Book/sh 2.14
Cash/sh 1.87
Employees 410
Insider 10d —
IPO Nov 20, 2020
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 0.00%
P/E 9.04
Forward P/E 4.41
PEG —
P/S 0.69
P/B 4.17
P/C —
EV/EBITDA —
EV/Sales 2.25
Quick Ratio 5.32
Current Ratio 5.71
Debt/Eq 107.74
LT Debt/Eq —
EPS (ttm) 0.99
EPS next Y 2.03
EPS Growth —
Revenue Growth 9.20%
EPS Gr Q/Q —
Rev Gr Q/Q —
Earnings (next) 2026-05-07
Earnings (prior) 2026-03-11
ROA 20.96%
ROE 53.86%
ROIC —
Gross Margin 100.00%
Oper. Margin 40.59%
Profit Margin 7.70%
Shs Outstand 26.44M
Shs Float 22.64M
Insider Own 6.77%
Instit Own 83.86%
Short Float 11.22%
Short Ratio 7.29
Short Interest 2.94M
52W High 15.03
vs 52W High -40.49%
52W Low 7.36
vs 52W Low 21.54%
Beta 1.80
Impl. Vol. 70.70%
Rel Volume 0.12
Avg Volume 445.45K
Volume 52.87K
Target (mean) $13.33
Tgt Median $15.00
Tgt Low $9.00
Tgt High $16.00
# Analysts 3
Recom Buy
Prev Close $8.89
Price $8.95
Change 0.62%
About

OppFi Inc., a tech-enabled digital finance platform, provides financial products and services for banks in the United States. The company offers installment loans through OppLoans platform. It serves consumers who are turned away by mainstream options. OppFi Inc. was founded in 2012 and is based in Chicago, Illinois.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
$13.33
Mean price target
2. Current target
$8.95
Latest analyst target
3. DCF / Fair value
$14.85
Fallback: EPS × 15 (assumed fair P/E). No FCF data; use with …
Ratings
Current target
$8.95
Low
$9.00
High
$16.00
Mean
$13.33

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2026-04-17 main Citizens Market Outperform → Market Outperform $15
2025-05-08 up JMP Securities Market Perform → Market Outperform $14
2024-12-13 main Northland Capital Markets Outperform → Outperform $10
2024-11-08 main Northland Capital Markets Outperform → Outperform $8
2024-04-17 reit JMP Securities Market Outperform → Market Outperform $5
2024-01-12 main JMP Securities Market Outperform → Market Outperform $5
2023-11-10 main JMP Securities Market Outperform → Market Outperform $3
2023-08-11 reit Needham Buy → Buy $4
2023-05-12 main Needham Buy → Buy $4
2023-03-28 reit JMP Securities — → Market Outperform $3
2023-03-24 main DA Davidson — → Neutral $3
2023-03-24 main Needham — → Buy $3
2022-11-11 main JMP Securities — → Market Outperform $3
2022-11-11 main Needham — → Buy $3
2022-08-11 down DA Davidson Buy → Neutral $3
2022-08-10 main Needham — → Buy $4
2022-07-15 main JMP Securities — → Market Outperform $5
2022-03-11 main JMP Securities — → Market Outperform $6
2022-03-11 main Needham — → Buy $5
2021-08-20 init Piper Sandler — → Neutral $7
News
RSS: Latest OPFI news
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-04-01 SCHWARTZ TODD G Chief Executive Officer — 208,053 $0.00 $0
2026-04-01 MCKAY CHRISTOPHER J Officer — 26,007 $0.00 $0
2026-04-01 JOHNSON PAMELA D Chief Financial Officer — 27,073 $0.00 $0
2026-03-12 MOORE JOCELYN Director — 8,190 $8.53 $69,861
2026-01-05 JOHNSON PAMELA D Chief Financial Officer — 5,084 $10.24 $52,060
2025-12-12 SCHWARTZ THEODORE G Director and Beneficial Owner of more than 10% of a Class of Security — 186,737 $0.00 $0
2025-12-11 MOORE JOCELYN Director — 4,464 $10.91 $48,721
2025-11-21 MOORE JOCELYN Director — 20,200 $9.23 $186,385
2025-11-03 MCKAY CHRISTOPHER J Officer — 1,107 $9.85 $10,904
2025-11-03 JOHNSON PAMELA D Chief Financial Officer — 1,129 $10.00 $11,290
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
597.05
+13.52%
525.96
+3.34%
508.95
+12.39%
452.86
Operating Revenue
591.77
+13.53%
521.23
+3.13%
505.43
+11.96%
451.45
Cost Of Revenue
100.06
-4.87%
105.18
-2.09%
107.43
+12.92%
95.14
Reconciled Cost Of Revenue
100.06
-4.87%
105.18
-2.09%
107.43
+12.92%
95.14
Gross Profit
496.99
+18.11%
420.78
+4.80%
401.52
+12.24%
357.72
Operating Expense
114.44
-6.04%
121.80
-1.57%
123.75
-2.20%
126.53
Selling General And Administration
91.71
+2.05%
89.86
+3.69%
86.66
-1.00%
87.54
Selling And Marketing Expense
50.89
+3.42%
49.21
-2.68%
50.56
-13.26%
58.29
General And Administrative Expense
40.82
+0.40%
40.66
+12.62%
36.10
+23.44%
29.25
Salaries And Wages
—
—
—
59.98
Other Gand A
36.69
+0.18%
36.63
+15.65%
31.67
+27.68%
24.80
Other Operating Expenses
17.57
-21.10%
22.27
+11.37%
20.00
-14.80%
23.47
Total Expenses
214.50
-5.50%
226.98
-1.81%
231.18
+4.29%
221.67
Operating Income
382.55
+27.95%
298.98
+7.63%
277.77
+20.15%
231.19
Total Operating Income As Reported
166.68
+76.31%
94.54
+103.94%
46.35
+830.92%
-6.34
EBITDA
387.70
+25.63%
308.60
+6.23%
290.51
+18.69%
244.77
Normalized EBITDA
399.05
+25.95%
316.84
+7.23%
295.49
+23.64%
238.99
Reconciled Depreciation
5.16
-46.38%
9.62
-24.45%
12.73
-6.23%
13.58
EBIT
382.55
+27.95%
298.98
+7.63%
277.77
+20.15%
231.19
Total Unusual Items
-11.35
-37.64%
-8.24
-65.68%
-4.98
-186.08%
5.78
Total Unusual Items Excluding Goodwill
-11.35
-37.64%
-8.24
-65.68%
-4.98
-186.08%
5.78
Special Income Charges
—
0.00
0.00
+100.00%
-3.57
Other Special Charges
—
—
—
—
Write Off
—
0.00
0.00
-100.00%
3.57
Net Income
26.33
+262.76%
7.26
+822.19%
-1.00
-114.16%
7.10
Pretax Income
156.13
+77.32%
88.05
+110.60%
41.81
+1265.00%
3.06
Net Non Operating Interest Income Expense
—
—
0.00
+100.00%
-35.16
Interest Expense Non Operating
—
—
0.00
-100.00%
32.79
Net Interest Income
—
—
0.00
+100.00%
-35.16
Interest Expense
—
—
0.00
-100.00%
32.79
Other Income Expense
-226.41
-7.34%
-210.93
+10.61%
-235.96
-3.44%
-228.12
Other Non Operating Income Expenses
-220.04
-7.80%
-204.12
+11.63%
-230.99
+1.25%
-233.91
Gain On Sale Of Security
-11.35
-37.64%
-8.24
-65.68%
-4.98
-153.21%
9.35
Tax Provision
9.88
+134.52%
4.21
+80.82%
2.33
+941.52%
-0.28
Tax Rate For Calcs
0.00
+31.25%
0.00
-14.29%
0.00
-73.33%
0.00
Tax Effect Of Unusual Items
-0.71
-80.65%
-0.40
-42.01%
-0.28
-122.95%
1.21
Net Income Including Noncontrolling Interests
146.25
+74.44%
83.84
+112.36%
39.48
+1082.01%
3.34
Net Income From Continuing Operation Net Minority Interest
26.33
+262.76%
7.26
+822.19%
-1.00
-114.16%
7.10
Net Income From Continuing And Discontinued Operation
26.33
+262.76%
7.26
+822.19%
-1.00
-114.16%
7.10
Net Income Continuous Operations
146.25
+74.44%
83.84
+112.36%
39.48
+1082.01%
3.34
Minority Interests
-119.92
-56.59%
-76.58
-89.16%
-40.48
-1177.28%
3.76
Normalized Income
36.96
+144.67%
15.11
+309.12%
3.69
+45.88%
2.53
Net Income Common Stockholders
26.33
+262.76%
7.26
+822.19%
-1.00
-114.16%
7.10
Diluted EPS
—
0.36
+700.00%
-0.06
-220.00%
0.05
Basic EPS
—
0.36
+700.00%
-0.06
-111.76%
0.51
Basic Average Shares
—
20.15
+22.91%
16.39
+17.81%
13.91
Diluted Average Shares
—
20.15
+22.91%
16.39
-80.55%
84.26
Diluted NI Availto Com Stockholders
26.33
+262.76%
7.26
+822.19%
-1.00
-123.66%
4.25
Average Dilution Earnings
0.00
0.00
0.00
+100.00%
-2.85
Depreciation Amortization Depletion Income Statement
5.16
-46.38%
9.62
-24.45%
12.73
-6.23%
13.58
Depreciation And Amortization In Income Statement
5.16
-46.38%
9.62
-24.45%
12.73
-6.23%
13.58
Earnings From Equity Interest
4.97
+244.94%
1.44
0.00
0.00
Provision For Doubtful Accounts
0.00
-100.00%
0.04
-99.03%
4.35
+124.12%
1.94
Rent And Landing Fees
4.13
+2.41%
4.03
-9.05%
4.43
-0.23%
4.44
Rent Expense Supplemental
4.13
+2.41%
4.03
-9.05%
4.43
-0.23%
4.44
Total Other Finance Cost
—
—
—
2.37
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Assets
754.09
+17.61%
641.17
+6.59%
601.54
+3.74%
579.84
Current Assets
639.50
+13.38%
564.02
+4.59%
539.28
+5.71%
510.16
Cash Cash Equivalents And Short Term Investments
49.45
-19.39%
61.34
+92.96%
31.79
+95.77%
16.24
Cash And Cash Equivalents
49.45
-19.39%
61.34
+92.96%
31.79
+95.77%
16.24
Cash Financial
49.45
-19.39%
61.34
+92.96%
31.79
+95.77%
16.24
Receivables
546.24
+14.82%
475.73
+2.23%
465.33
+1.17%
459.94
Other Receivables
546.24
+14.82%
475.73
+2.23%
465.33
+1.17%
459.94
Loans Receivable
—
—
—
457.94
Restricted Cash
43.81
+62.60%
26.94
-36.08%
42.15
+26.09%
33.43
Assets Held For Sale Current
—
—
0.00
-100.00%
0.55
Total Non Current Assets
114.59
+48.53%
77.15
+23.91%
62.27
-10.64%
69.68
Net PPE
36.46
+50.30%
24.26
+7.95%
22.47
-18.66%
27.63
Gross PPE
100.86
+20.78%
83.51
+15.14%
72.53
+11.57%
65.01
Accumulated Depreciation
-64.40
-8.69%
-59.25
-18.37%
-50.06
-33.91%
-37.38
Properties
0.00
0.00
0.00
0.00
Machinery Furniture Equipment
4.64
+4.67%
4.43
+11.81%
3.96
+7.72%
3.68
Other Properties
95.25
+21.96%
78.10
+15.56%
67.58
+11.99%
60.35
Leases
0.98
+0.00%
0.98
+0.00%
0.98
+0.00%
0.98
Investments And Advances
19.08
-0.61%
19.19
0.00
—
Long Term Equity Investment
19.08
-0.61%
19.19
0.00
—
Non Current Deferred Assets
32.65
+52.99%
21.34
-17.21%
25.78
-3.67%
26.76
Non Current Deferred Taxes Assets
32.65
+52.99%
21.34
-17.21%
25.78
-3.67%
26.76
Other Non Current Assets
26.41
+113.68%
12.36
-11.84%
14.02
-8.36%
15.30
Total Liabilities Net Minority Interest
445.21
+9.40%
406.96
-0.14%
407.51
-3.13%
420.69
Current Liabilities
85.98
+43.79%
59.80
+16.17%
51.47
-6.72%
55.18
Payables And Accrued Expenses
85.98
+43.79%
59.80
+16.17%
51.47
-6.72%
55.18
Payables
42.58
+55.49%
27.39
-7.06%
29.47
-7.81%
31.96
Accounts Payable
2.77
+215.47%
0.88
-80.21%
4.44
-29.91%
6.34
Current Accrued Expenses
43.40
+33.90%
32.41
+47.28%
22.01
-5.23%
23.22
Total Tax Payable
39.81
+50.18%
26.51
+5.93%
25.02
-2.34%
25.62
Current Debt And Capital Lease Obligation
—
—
—
—
Current Debt
—
—
—
—
Other Current Borrowings
—
—
—
—
Current Deferred Liabilities
—
—
—
0.00
Current Deferred Revenue
—
—
—
0.00
Total Non Current Liabilities Net Minority Interest
359.23
+3.48%
347.16
-2.49%
356.04
-2.59%
365.51
Long Term Debt And Capital Lease Obligation
332.78
+0.22%
332.05
-4.90%
349.18
-3.97%
363.62
Long Term Debt
321.35
+0.81%
318.76
-4.60%
334.12
-3.73%
347.06
Long Term Capital Lease Obligation
11.42
-14.07%
13.29
-11.73%
15.06
-9.04%
16.56
Other Non Current Liabilities
—
—
—
25.62
Stockholders Equity
58.48
+78.45%
32.77
+213.93%
10.44
+2213.36%
-0.49
Common Stock Equity
58.48
+78.45%
32.77
+213.93%
10.44
+2213.36%
-0.49
Capital Stock
0.01
+0.00%
0.01
-18.18%
0.01
+0.00%
0.01
Common Stock
0.01
+0.00%
0.01
-18.18%
0.01
+0.00%
0.01
Preferred Stock
0.00
0.00
0.00
0.00
Share Issued
30.55
+28.51%
23.77
+21.58%
19.55
+26.45%
15.46
Ordinary Shares Number
27.27
+23.76%
22.04
+16.90%
18.85
+27.71%
14.76
Treasury Shares Number
3.28
+88.69%
1.74
+146.99%
0.70
+0.00%
0.70
Additional Paid In Capital
113.51
+20.88%
93.90
+22.78%
76.48
+16.76%
65.50
Retained Earnings
-33.51
+39.22%
-55.13
+13.31%
-63.59
-0.07%
-63.55
Treasury Stock
21.53
+258.14%
6.01
+144.35%
2.46
+0.00%
2.46
Minority Interest
250.39
+24.30%
201.44
+9.72%
183.59
+15.00%
159.64
Total Equity Gross Minority Interest
308.88
+31.88%
234.21
+20.71%
194.03
+21.92%
159.15
Total Capitalization
379.84
+8.05%
351.53
+2.02%
344.56
-0.58%
346.57
Working Capital
553.52
+9.78%
504.22
+3.37%
487.80
+7.22%
454.98
Invested Capital
379.84
+8.05%
351.53
+2.02%
344.56
-0.58%
346.57
Total Debt
332.78
+0.22%
332.05
-4.90%
349.18
-3.97%
363.62
Net Debt
271.90
+5.63%
257.41
-14.86%
302.32
-8.61%
330.82
Capital Lease Obligations
11.42
-14.07%
13.29
-11.73%
15.06
-9.04%
16.56
Net Tangible Assets
58.48
+78.45%
32.77
+213.93%
10.44
+2213.36%
-0.49
Tangible Book Value
58.48
+78.45%
32.77
+213.93%
10.44
+2213.36%
-0.49
Derivative Product Liabilities
26.45
+75.11%
15.11
+120.10%
6.86
+263.56%
1.89
Interest Payable
2.60
+3.26%
2.52
-9.84%
2.79
+27.23%
2.20
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
401.31
+23.93%
323.81
+9.34%
296.15
+21.72%
243.30
Cash Flow From Continuing Operating Activities
401.31
+23.93%
323.81
+9.34%
296.15
+21.72%
243.30
Net Income From Continuing Operations
146.25
+74.44%
83.84
+112.36%
39.48
+1082.01%
3.34
Depreciation Amortization Depletion
5.16
-46.38%
9.62
-24.45%
12.73
-6.23%
13.58
Depreciation And Amortization
5.16
-46.38%
9.62
-24.45%
12.73
-6.23%
13.58
Other Non Cash Items
223.54
+8.07%
206.85
-10.40%
230.86
-2.31%
236.33
Stock Based Compensation
9.99
+89.53%
5.27
+29.58%
4.07
+21.26%
3.35
Provisionand Write Offof Assets
0.00
-100.00%
0.04
-99.03%
4.35
+124.12%
1.94
Asset Impairment Charge
0.15
0.00
0.00
-100.00%
4.04
Deferred Tax
6.07
+72.53%
3.52
+92.19%
1.83
+410.70%
-0.59
Deferred Income Tax
6.07
+72.53%
3.52
+92.19%
1.83
+410.70%
-0.59
Operating Gains Losses
6.38
-6.35%
6.81
+39.89%
4.87
+152.04%
-9.35
Gain Loss On Investment Securities
11.35
+37.64%
8.24
+65.68%
4.98
+153.21%
-9.35
Unrealized Gain Loss On Investment Securities
—
—
—
—
Gain Loss On Sale Of PPE
0.00
-60.00%
0.01
+66.67%
0.00
+200.00%
0.00
Change In Working Capital
-1.32
-119.38%
6.81
+433.33%
-2.04
+78.14%
-9.35
Change In Receivables
2.32
+656.12%
-0.42
+80.71%
-2.16
+69.75%
-7.15
Changes In Account Receivables
2.04
+1642.42%
-0.13
-237.50%
0.10
+104.80%
-2.00
Change In Payables And Accrued Expense
-0.12
-101.74%
6.84
+309.30%
-3.27
+29.59%
-4.64
Change In Accrued Expense
-2.01
-119.35%
10.40
+857.83%
-1.37
+71.87%
-4.88
Change In Payable
1.89
+153.16%
-3.56
-87.92%
-1.90
-896.64%
0.24
Change In Account Payable
1.89
+153.16%
-3.56
-87.92%
-1.90
-896.64%
0.24
Change In Other Working Capital
-0.28
-62.35%
-0.17
-88.89%
-0.09
-1185.71%
-0.01
Change In Other Current Assets
-3.24
-684.50%
0.56
-84.04%
3.48
+41.79%
2.45
Change In Other Current Liabilities
—
—
—
0.00
Investing Cash Flow
-307.80
-26.44%
-243.44
+0.35%
-244.29
+23.00%
-317.24
Cash Flow From Continuing Investing Activities
-307.80
-26.44%
-243.44
+0.35%
-244.29
+23.00%
-317.24
Net PPE Purchase And Sale
-19.11
-46.91%
-13.01
-44.70%
-8.99
+32.14%
-13.25
Purchase Of PPE
-19.11
-46.91%
-13.01
-44.70%
-8.99
+32.14%
-13.25
Capital Expenditure
-19.11
-46.91%
-13.01
-44.70%
-8.99
+32.14%
-13.25
Net Business Purchase And Sale
0.00
+100.00%
-15.97
0.00
0.00
Purchase Of Business
0.00
+100.00%
-15.97
0.00
0.00
Net Other Investing Changes
-288.69
-34.61%
-214.47
+8.85%
-235.30
+22.60%
-303.99
Financing Cash Flow
-88.53
-34.09%
-66.02
-139.36%
-27.58
-145.03%
61.26
Cash Flow From Continuing Financing Activities
-88.53
-34.09%
-66.02
-139.36%
-27.58
-145.03%
61.26
Net Issuance Payments Of Debt
2.52
+115.95%
-15.83
-0.56%
-15.75
-122.68%
69.42
Issuance Of Debt
253.27
+16.69%
217.05
+16.24%
186.73
+101.36%
92.73
Repayment Of Debt
-250.75
-7.67%
-232.88
-15.02%
-202.48
-768.47%
-23.31
Long Term Debt Issuance
253.27
+16.69%
217.05
+16.24%
186.73
+101.36%
92.73
Long Term Debt Payments
-250.75
-7.67%
-232.88
-15.02%
-202.48
-768.47%
-23.31
Net Long Term Debt Issuance
2.52
+115.95%
-15.83
-0.56%
-15.75
-122.68%
69.42
Net Common Stock Issuance
-15.52
-336.98%
-3.55
0.00
+100.00%
-2.46
Common Stock Payments
-15.52
-336.98%
-3.55
0.00
+100.00%
-2.46
Common Stock Dividend Paid
-64.91
-45.01%
-44.77
-337.59%
-10.23
-681.51%
-1.31
Cash Dividends Paid
-64.91
-45.01%
-44.77
-337.59%
-10.23
-681.51%
-1.31
Repurchase Of Capital Stock
-15.52
-336.98%
-3.55
0.00
+100.00%
-2.46
Proceeds From Stock Option Exercised
0.43
+45.92%
0.29
-24.03%
0.39
+209.60%
0.12
Net Other Financing Charges
-11.05
-410.82%
-2.16
-8.58%
-1.99
+55.94%
-4.52
Changes In Cash
4.97
-65.32%
14.35
-40.90%
24.27
+291.25%
-12.69
Beginning Cash Position
88.29
+19.40%
73.94
+48.87%
49.67
-20.35%
62.36
End Cash Position
93.26
+5.63%
88.29
+19.40%
73.94
+48.87%
49.67
Free Cash Flow
382.19
+22.97%
310.80
+8.23%
287.15
+24.82%
230.05
Interest Paid Supplemental Data
36.11
-15.18%
42.57
-2.63%
43.73
+36.27%
32.09
Income Tax Paid Supplemental Data
6.09
+1182.74%
0.47
+550.68%
0.07
-79.49%
0.36
Dividend Received CFO
5.09
+384.95%
1.05
0.00
0.00
Earnings Losses From Equity Investments
-4.97
-244.94%
-1.44
0.00
0.00
Interest Received CFO
—
—
4.07
+21.26%
3.35
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

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