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StockVS

NYSE · Credit Services · USD

OppFi Inc. (OPFI) Stock Analysis

OppFi Inc. (OPFI) is a Credit Services stock listed on NYSE and quoted in US Dollar.

Last Updated: October 21, 2026

OPFI

$5.68

+$0.05 (+0.89%)

Oct 21, 2026 · Market close

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Price History

Hover for the daily close. The dotted line marks the period open.

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OPFI Key Statistics

As of Oct 21, 2026
Trading
Open
$5.66
Previous Close
$5.63
Day's Range
5.62–5.79
52-Week Range
5.55–11.69
Volume
575.63K
BetaHow much the share price moves relative to the wider market. 1.0 moves in line with it; above 1.0 swings more, below 1.0 less.
1.80
Valuation
Market Cap
$483.98M
P/E Ratio
2.65
Forward P/EShare price divided by forecast earnings for the year ahead, rather than the year just past.
2.95
P/S ratioMarket value divided by annual revenue. Useful for companies that are not yet profitable, where a P/E cannot be calculated.
1.48
EPS (ttm)Profit attributable to each share over the last twelve months.
2.14
Financials (FY)
Revenue (FY)
$597.05M+13.52%
Net Income (FY)
$26.33M+262.76%
Profit marginThe share of revenue left as profit after all costs and taxes.
31.06%
Shares OutstandingThe total number of shares held by all investors. Market value is this figure multiplied by the share price.
85.21M
1-Year Return
−43.03%
Dividend and dates
Earnings Date
October 28, 2026
Avg Volume
863.24K

Only metrics the company reports are shown. Data provided by Yahoo Finance via yfinance. Updated daily.

Key facts

As of October 21, 2026, OPFI closed at $5.68, −43.03% over 1 year.

OppFi Inc. (OPFI) has a market capitalization of $483.98M.

In fiscal 2025, OPFI reported revenue of $597.05M.

OPFI Stock Return by Calendar Year

OppFi Inc. (OPFI) return since Nov 2020: what $10,000 became

1 year
$10,000 $5,697
−43.03%
5 years
$10,000 $8,729
−12.71%
Since Nov 2020
$10,000 $6,204
−37.96%

If you had invested $10,000 in OppFi Inc. (OPFI) at the close on November 20, 2020, the earliest close on record here, it would have been worth $6,204 at the close on October 21, 2026: −37.96% in total, −7.75% a year, with dividends reinvested, over a partial period shorter than 10 years. A historical calculation from closing prices adjusted for splits and dividends, before fees and taxes.

Calendar-year returns computed from daily closing prices. Partial years are shown muted and marked with an asterisk.

YearReturn
2026 (partial year)−45.70%
2025+40.87%
2024+56.02%
2023+149.76%
2022−54.85%
2021−55.40%
2020 (partial year)+3.35%

As of October 21, 2026.

OPFI Revenue and Earnings by Fiscal Year

FY ends December
Fiscal yearRevenueNet incomeNet margin
2025$597.05M$26.33M4.4%
2024$525.96M$7.26M1.4%
2023$508.95M−$1.01M−0.2%
2022$452.86M$7.10M1.6%
Fiscal yearRevenueGross profitOperating incomeNet incomeNet margin
2025$597.05M$496.99M$382.55M$26.33M4.4%
2024$525.96M$420.78M$298.98M$7.26M1.4%
2023$508.95M$401.52M$277.77M−$1.01M−0.2%
2022$452.86M$357.72M$231.19M$7.10M1.6%

Annual figures as reported, in the company's reporting currency. As of December 31, 2025.

OPFI Dividend History

$0.25+108.3% vs 2024

Dividends per share, 2025 · 1 payments

YearDividends per sharePaymentsChange
2025$0.251+108.3%
2024$0.121—

Most recent payment: $0.25 per share, ex-dividend April 8, 2025. Per-share amounts summed by calendar year from ex-dividend dates. Partial years are shown muted and marked with an asterisk.

OPFI Valuation vs Credit Services Median

Median of 56 stocks
MetricOPFICredit Services medianvs median
P/E2.6510.910.2x the median
P/S ratio1.481.501% below
Profit margin31.06%9.89%21.2 pts above

Medians across 56 Credit Services stocks that report the metric. Medians, not averages, so one outlier cannot move them. As of October 21, 2026.

Recent News

All 20 articles ↓

News provided by third-party sources. Not financial advice.

Analysis

Data-derived

Company Overview

OppFi Inc. (OPFI) is capitalised at $483.98M on the latest close. It is classified in the Credit Services industry, within the Financial Services sector. The company reports 410 employees.

OPFI last closed at $5.68 on October 21, 2026. That is +$0.05 (+0.89%) against the previous close. Over the past 52 weeks the price has ranged from $5.55 to $11.69. The latest close sits 2.34% above that 52-week low.

Financial Health

The most recent full year on file, fiscal 2025, shows revenue of $597.05M. Against the prior fiscal year total of $525.96M, that is a change of +13.52%. The same year closed with net income of $26.33M. That is +262.76% against the prior fiscal year. Profit margin runs at 31.06%. That is 21.2 percentage points above the Credit Services median of 9.89%. Earnings per share on a trailing basis come to 2.14.

Across the 4 fiscal years on file, revenue moves from $452.86M in 2022 to $597.05M in 2025. Of those 4 years, 3 report positive net income.

Valuation Assessment

The trailing P/E ratio stands at 2.65. That is 0.2 times the Credit Services median of 10.91. On forward earnings the ratio is 2.95. Measured against sales, the shares trade at 1.48 times revenue. On price-to-sales that is 1.36% below the Credit Services median of 1.5. 56 Credit Services companies report these metrics, and the medians quoted come from that group.

The reported beta is 1.8. Annualized volatility over the trailing 5 years is 66.88%. Over the trailing twelve months the total return is −43.03%. Measured over 5 years, that is −2.68% a year compounded.

Growth & Income

The dividend record for OPFI runs through 2025. Dividends are recorded for 2 calendar years; 2025 shows 1 payments totalling $0.25 a share. The year before, 2024, totalled $0.12 a share.

So far in 2026 the total return is −45.70%. Across the complete calendar years on file, 2023 returned +149.76% and 2021 returned −55.40%. Of the 5 complete calendar years on file, 3 finished higher.

Peer Comparison

OppFi Inc. (OPFI) operates in the Credit Services industry. Here is how it compares to its closest peers by market capitalization:

Company Ticker Market Cap P/E Ratio
OppFi Inc. OPFI $483.98M 2.7
Visa Inc. V $765.68B 34.7
Mastercard Incorporated MA $545.42B 34.3
American Express Company AXP $214.98B 19.3

The Credit Services industry average P/E ratio is 10.9x. OppFi Inc. trades at a P/E of 2.7.

Every figure above is read from this page's own data on each daily rebuild. Informational only, not financial advice. As of October 21, 2026.

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About OppFi Inc.

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.

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