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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.

OPFI

$7.42

+$0.10 (+1.37%)

Sep 4, 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 Sep 4, 2026
Trading
Open
$7.25
Previous Close
$7.32
Day's Range
7.24–7.44
52-Week Range
6.50–12.45
Volume
490.30K
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.
1.78
Valuation
Market Cap
$632.25M
P/E Ratio
2.43
Forward P/EShare price divided by forecast earnings for the year ahead, rather than the year just past.
3.84
P/S ratioMarket value divided by annual revenue. Useful for companies that are not yet profitable, where a P/E cannot be calculated.
1.93
EPS (ttm)Profit attributable to each share over the last twelve months.
3.05
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
−29.00%
Dividend and dates
Earnings Date
October 28, 2026
Avg Volume
855.43K

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

OPFI Stock Return by Calendar Year

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

YearReturn
2026 (partial year)−29.06%
2025+40.87%
2024+56.02%
2023+149.76%
2022−54.85%
2021−55.40%
2020 (partial year)+3.35%

As of September 4, 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 Valuation vs Credit Services Median

Median of 60 stocks
MetricOPFICredit Services medianvs median
P/E2.4312.470.2x the median
P/S ratio1.931.6418% above
Profit margin31.06%9.99%21.1 pts above

Medians across 60 Credit Services stocks that report the metric. Medians, not averages, so one outlier cannot move them. As of September 4, 2026.

Recent News

All 15 articles ↓

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

Analysis

Data-derived

Company Overview

OppFi Inc. (OPFI) is capitalised at $632.25M 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 $7.42 on September 4, 2026. That is +$0.10 (+1.37%) against the previous close. Over the past 52 weeks the price has ranged from $6.50 to $12.45. The latest close sits 14.15% 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 21.1 percentage points above the Credit Services median of 9.99%. Earnings per share on a trailing basis come to 3.05.

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 2.43. That is 0.2 times the Credit Services median of 12.47. On forward earnings the ratio is 3.84. Measured against sales, the shares trade at 1.93 times revenue. On price-to-sales that is 17.69% above the Credit Services median of 1.64. 60 Credit Services companies report these metrics, and the medians quoted come from that group.

The reported beta is 1.78. Annualized volatility over the trailing 5 years is 67.12%. Over the trailing twelve months the price has returned −29.00%. Measured over 5 years, that is −3.54% a year compounded.

Growth & Income

No dividend is on file for OPFI.

So far in 2026 the price is −29.06%. 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 $632.25M 2.4
Visa Inc. V $700.27B 31.9
Mastercard Incorporated MA $507.39B 32.3
American Express Company AXP $220.26B 20.0

The Credit Services industry average P/E ratio is 12.5x. OppFi Inc. trades at a P/E of 2.4.

Every figure above is read from this page's own data on each nightly rebuild. Informational only, not financial advice. As of September 4, 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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