# OppFi Inc. (OPFI) fundamentals

Data as of 2026-09-08. NYSE, United States. Sector: Technology / Software. Price $7.42, market value $632 million.

## Valuation
- **P/E (trailing): 2.5×** (5-yr avg 19.5×, 3-yr avg 15.6×). OppFi Inc. trades at 2.5× trailing earnings, well below its own five-year average of 19.5×: cheap by its own standards. The Technology median in the September 2026 study was 32.1×. Forward P/E is 3.8×, higher than trailing, so analysts expect earnings to fall.
- **PEG: 0.02**. A PEG of 0.02 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / sales: 1.7×**. Each dollar of revenue is priced at 1.7×.
- **Price / book: 1.5×**. The shares trade at 1.5× book value; book value is a meaningful part of the valuation.
- **EV / EBITDA: 3.7×**. Enterprise value is 3.7× operating earnings before depreciation, the multiple that ignores how the company is financed; below 8× is inexpensive for most sectors.
- **Free-cash-flow yield: 60.9%** (5-yr avg 180.0%). Free cash flow equals 60.9% of the market value, below its five-year average of 180.0%, so the shares are pricier on cash than usual. Above 5% is generally attractive.
- **Earnings yield: 40.6%**. The inverse of the P/E: 40.6% of the price is earned each year.

## Profitability
- **Operating margin: 43.7%**. 43.7% of revenue is left after running the business, an exceptional level.
- **Net margin: 6.9%**. 6.9% of each dollar of sales reaches the bottom line.
- **Return on equity: 45.0%**. 45.0% on shareholders' equity is excellent if it is not driven by leverage; sustained above 20% usually signals a competitive advantage.
- **Return on invested capital: 264.5%**. Return on all capital, debt included, is 264.5%: comfortably above what that capital costs.
- **Return on assets: 3.5%**. Each dollar of assets produces 3.5% of profit.

## Growth
- **Revenue growth (1 yr): 18.6%** (3-yr 20.7%/yr, 5-yr 13.7%/yr). Revenue grew 18.6% over the last year, against 13.7% a year compounded over five years: growth is accelerating.
- **EPS growth (1 yr): 175.0%** (3-yr 170.5%/yr). Earnings per share rose 175.0%, faster than revenue, so margins expanded or the share count shrank.
- **Free-cash-flow growth (3 yr): 18.4%/yr**. Free cash flow has compounded at 18.4% a year over three years, lagging earnings: check whether profits are turning into cash.

## Financial health
- **Debt to equity: 0.85**. Debt is 0.85 times equity, moderate leverage.
- **Net debt / EBITDA: 0.0×**. It would take 0.0 years of operating earnings to repay net borrowings, within the comfortable range.
- **Interest coverage: 4.6×**. Operating profit covers interest 4.6× over, a safe margin.
- **Altman Z-score: 2.20**. A Z-score of 2.20 is in the grey zone; not distressed, not clearly safe.
- **Piotroski F-score: 6/9**. 6 of 9 checks pass: mixed.

## Dividends
- **Dividend: none**. OppFi Inc. does not currently pay a dividend.

## Analyst view
- **Analyst consensus: buy** (4 analysts). 4 analysts cover OppFi Inc.; the consensus is buy, with an average price target of $13.31 (+79% from the current price). Analyst opinion is shown for context; it is not part of the Fundamental Score.

## Price and momentum
- **Total return (1 yr): -29.0%** (YTD -29.1%, 3-mo -10.7%). The shares are down 29.0% over twelve months including dividends.
- **From 52-week high: -40.4%** (14.2% above the low). Trading 40% below its 52-week high, deep in a drawdown.
- **200-day average: below**. The price sits below its 200-day moving average, the usual definition of a downtrend.
- **RSI (14-day): 45**. An RSI of 45 is neutral.
- **Beta (1 yr): 1.35** (volatility 49%). Beta of 1.35 against the S&P 500: the shares move much more than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=OPFI · Page: https://foliofundamentals.com/stocks/opfi

Not investment advice.