OppFi Inc. OPFI

Latest FY: 2025 Financial Services Credit Services
Market Price $7.58
Market Cap $647.28M
P/E Ratio N/A
Quick Peer Compare (Financial Services):
Revenue (FY 2025) ↑18.6% YoY
$381.18M
3-Yr CAGR: 20.7%
Net Income ↑74.4% YoY
$146.25M
Net Margin: 38.4%
Free Cash Flow ↑23.0% YoY
$382.19M
FCF Yield: 59.05%
EPS (Diluted)
N/A
Basic: N/A
Return on Equity Efficiency
47.3%
ROA: 19.4%

📊 Multi-Year Historical Performance & Trends

Financial Performance History Revenue, Net Income & Free Cash Flow
Margins Trend (%) Gross, Operating & Net Margins
Balance Sheet Strength Cash, Debt & Equity
Cash Flow Generation Operating Cash Flow vs CapEx vs FCF

📈 Year-over-Year (YoY) Growth History (OPFI)

All monetary values in millions ($M)
Fiscal Year Revenue Revenue YoY Gross Profit Net Income Net Inc YoY Diluted EPS EPS YoY Div / Sh Div Yield Op. Cash Flow Free Cash Flow FCF YoY
FY 2019 $114.9M $93.0M $33.0M $148.9M $148.9M
FY 2020 $200.2M +74.3% $179.6M $77.5M +134.9% 0.00% $-0.3M $-0.3M -100.2%
FY 2021 $263.7M +31.7% $239.6M $89.8M +15.8% 0.00% $167.3M $167.3M +60,198.3%
FY 2022 $217.0M -17.7% $181.8M $3.3M -96.3% 0.00% $243.3M $230.0M +37.5%
FY 2023 $273.2M +25.9% $226.4M $39.5M +1,082.0% 0.00% $296.1M $287.2M +24.8%
FY 2024 $321.5M +17.7% $276.8M $83.8M +112.4% 0.00% $323.8M $310.8M +8.2%
FY 2025 $381.2M +18.6% $341.8M $146.2M +74.4% 0.00% $401.3M $382.2M +23.0%
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Valuation

Market Price $7.58
Market Cap $647.28M
Enterprise Value N/A
P/E Ratio N/A
P/B Ratio 2.10
FCF Yield 59.05%
Dividend Yield N/A
Shares Outstanding 85,393,200
%

Profitability & Margins

Gross Margin 89.67%
Operating Margin 79.33%
Net Margin 38.37%
Return on Equity (ROE) 47.35%
Return on Assets (ROA) 19.39%
Asset Turnover 0.51x
Revenue 3-Yr CAGR 20.67%
🛡️

Financial Health & Liquidity

Current Ratio N/A
Cash Ratio N/A
Debt / Equity 0.000
Debt / Assets 0.000
Cash & Equivalents N/A
Total Debt N/A
Book Value / Share $3.62
💧

Cash Flow Efficiency

Operating Cash Flow $401.31M
Capital Expenditures (CapEx) $19.11M
Free Cash Flow $382.19M
OCF / Revenue 105.28%
FCF / Revenue 100.26%
FCF 3-Yr CAGR 18.44%
🏷️

Per Share Metrics

EPS (Diluted) N/A
EPS (Basic) N/A
Dividends / Share N/A
Book Value / Share $3.62
EPS YoY Growth N/A
🏛️

Balance Sheet (FY 2025)

Total Assets $754.09M
Total Liabilities $445.21M
Stockholders' Equity $308.88M
Current Assets N/A
Current Liabilities N/A