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OppFi Inc. Class A (OPFI) Key Ratios

Stock Card factsheet share-fund-plan-icon

$7.12

up-down-arrow $-0.04 (-0.49%)

As on 28-Aug-2026 13:42EDT

Market cap

info icon

$610 Mln

Revenue (TTM)

info icon

$544 Mln

P/E Ratio

info icon

2.4

P/B Ratio

info icon

1.5

Div. Yield

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0 %

Key Ratios and Highlights

Growth Score (%) Quarterly Annual (TTM)
Particulars QoQ YoY 1-Year 3-Years 5-Years
Revenue -48.61 -45.21 -1.94 3.77 11.37
EBIT -49.52 -61.40 -65.60 -6.13 3.97
Net Profit 436.98 127.98 113.94 -4.40 -23.66
EPS -83.90 122.09 362.53 126.44 -10.51
Book Value -- -- 44.35 -- -22.02
Key Ratios (%) Average Annual (TTM)
Particulars3-Years5-YearsTTMDec-25Dec-24
EBIT-Margin info 48.0644.1921.4332.7456.84
Net Margin info --4.0618.69----
Return on equity info 23.6919.998.5457.7033.59
Return on Capital info 2.903.49--6.962.00
Return on Assets info 1.592.5112.913.771.17
Debt to Equity (x) info ----0.005.6910.13

Profitability

View Detailed Peer Comparison

ROCE

--

--

Earning before interest and taxes / (Average net worth + Average total Debt) * 100

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
OppFi Inc. Class A (OPFI)
--
6.96
2.00
-0.28
1.74
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
ROE

8.54

Lower than Peers by 2.55

Profit after tax / Average Net worth * 100

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
OppFi Inc. Class A (OPFI)
8.54
57.70
33.59
-20.21
9.02
Peer Median
11.09
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
ROA

12.91

Higher than Peers by 9.29

Profit after tax / Average Total assets * 100

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
OppFi Inc. Class A (OPFI)
12.91
3.77
1.17
-0.17
1.31
Peer Median
3.62
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
EBIT Margin

21.43

Higher than Peers by 12.58

Operating profit (EBIT) / Net Sales * 100

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
OppFi Inc. Class A (OPFI)
21.43
32.74
56.84
54.58
51.05
Peer Median
8.85
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Net Margin

18.69

Higher than Peers by 9.61

Net profit / Total Income (Net sales plus other income) * 100

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
OppFi Inc. Class A (OPFI)
18.69
4.41
1.38
-0.20
1.46
Peer Median
9.08
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Cash Profit Margin

0.00

--

(Net profit + Depreciation) / Gross Sales * 100

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
OppFi Inc. Class A (OPFI)
0.00
--
--
--
--
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

Growth

View Detailed Peer Comparison

Revenue Growth

-1.94

Lower than Peers by 17.18

Year on year growth in net sales

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
OppFi Inc. Class A (OPFI)
-1.94
0.14
0.03
0.12
0.29
Peer Median
15.24
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
EBIT Growth

-65.60

Lower than Peers by 95.10

Year on year growth in operating profit (EBIT)

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
OppFi Inc. Class A (OPFI)
-65.60
-34.61
7.63
20.15
156.18
Peer Median
29.50
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Net Profit Growth

113.94

Higher than Peers by 83.49

Year on year growth in profit after tax

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
OppFi Inc. Class A (OPFI)
113.94
262.76
822.19
-114.16
-72.22
Peer Median
30.45
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
EPS Growth

362.53

Higher than Peers by 304.66

Year on year growth in earnings per share

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
OppFi Inc. Class A (OPFI)
362.53
1.93
7.09
-1.13
-0.78
Peer Median
57.87
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Book Value Growth

859.65

Higher than Peers by 838.63

Year on year growth in book value per share

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
OppFi Inc. Class A (OPFI)
859.65
--
--
--
--
Peer Median
21.02
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

Solvency

View Detailed Peer Comparison

Debt to Equity

--

--

Total debt / Net worth

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
OppFi Inc. Class A (OPFI)
--
5.69
10.13
33.45
-736.07
Peer Median
0.00
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Short term debt to equity ratio

0.00

--

(Short term borrowings / Net worth)

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
OppFi Inc. Class A (OPFI)
0.00
1.13
--
0.14
-38.32
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Current Ratio

57.15

Higher than Peers by 55.57

Current Assets / Current Liabilities and Provisions

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
OppFi Inc. Class A (OPFI)
57.15
7.44
9.43
10.48
9.24
Peer Median
1.58
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Quick Ratio

57.15

Higher than Peers by 55.58

(Current Assets - Inventory) / Current Liabilities and Provisions

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
OppFi Inc. Class A (OPFI)
57.15
--
--
11.30
--
Peer Median
1.56
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Interest Coverage

6.67

Lower than Peers by 6.83

Earning before interest and taxes (EBIT) / Interest Expenses

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
OppFi Inc. Class A (OPFI)
6.67
4.97
1.64
5.94
6.57
Peer Median
13.50
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

Operating Efficiency

View Detailed Peer Comparison

Debtors to sales

91.19

Higher than Peers by 73.01

Debtors outstanding / Net Sales * 100

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
OppFi Inc. Class A (OPFI)
91.19
91.49
90.45
91.43
101.56
Peer Median
18.18
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Asset Turnover

0.69

Higher than Peers by 0.25

Sales / Average Total Assets

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
OppFi Inc. Class A (OPFI)
0.69
0.86
0.85
0.86
0.84
Peer Median
0.44
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Receivable days

--

--

Average Debtors / Sales * 365

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
OppFi Inc. Class A (OPFI)
--
312.60
326.76
332.01
341.99
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Inventory Days

--

--

Average Inventory / Sales * 365

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
OppFi Inc. Class A (OPFI)
--
--
-146.37
-143.31
--
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Payable days

--

--

Average Creditors / Cost of goods sold * 365

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
OppFi Inc. Class A (OPFI)
--
22.73
9.24
18.33
23.88
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Cash Conversion Cycle

--

--

Receivable Days + Inventory Days - Payable Days

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
OppFi Inc. Class A (OPFI)
--
--
171.14
170.38
--
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

Valuation

View Detailed Peer Comparison

Price / Earnings

2.39

Lower than Peers by 49.02

Current share price divided by earning per share in the last twelve months

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
OppFi Inc. Class A (OPFI)
2.39
10.53
22.63
-92.15
4.87
Peer Median
51.41
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Price / Book Value

1.48

Lower than Peers by 6.32

Current share price divided by book value per share in the latest financial year

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
OppFi Inc. Class A (OPFI)
1.48
4.74
5.01
8.87
-69.93
Peer Median
7.80
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Dividend Yield

--

--

Dividend per share in the past twelve months divided by current share price

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
OppFi Inc. Class A (OPFI)
--
--
--
--
--
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
EV/EBITDA

2.13

--

Enterprise Value (Current Market Capitalisation + Total Debt - Cash & Equivalents) / Earnings before interest, taxes, depreciation and taxes (EBITDA)

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
OppFi Inc. Class A (OPFI)
2.13
2.79
1.41
1.27
1.56
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Market Cap

610

Lower than Peers by 510

Current Share price multiplied by latest total number of shares outstanding

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
OppFi Inc. Class A (OPFI)
610
--
--
--
--
Peer Median
1,120
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
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