企業概要
OppFi Inc. operates as a technology-enabled digital finance platform that delivers specialized financial products and services to banking institutions across the United States. The company focuses on offering installment loans through its proprietary OppLoans platform, primarily serving consumer segments that are typically excluded by mainstream lending options. This entity functions within the broader Financial Services sector and specifically within the Credit Services industry, where it leverages data-driven underwriting models to extend credit. With a market capitalization of $679.67 million, an annual revenue of $341.82 million, and a workforce of 410 employees, the company represents a mid-sized player in the alternative credit landscape. These valuation and revenue figures suggest a significant market presence for a firm founded in 2012, indicating that the business has achieved substantial scale relative to its niche focus on underserved consumer populations.
財務健全性
The company reported total revenue of $341.82 million over the trailing twelve months, with net income reaching $26.33 million, while the EBITDA metric is not currently disclosed in the available financial records. The substantial gap between the $341.82 million in revenue and the $26.33 million in net income reveals a high-cost structure where operating expenses consume a significant portion of gross receipts, though the gross margin remains at 100.0%. Operating margins stand at 40.6%, reflecting efficient management of core lending operations before interest and taxes, while the final profit margin is recorded at 7.7%. The free cash flow figure is not available, which limits the ability to assess immediate financial flexibility based on cash generation from operations. Regarding liquidity and solvency, the company holds $49.45 million in cash against total debt obligations of $332.78 million. The debt-to-equity ratio is calculated at 107.74, indicating a highly leveraged balance sheet where debt exceeds equity significantly. Despite this leverage, the current ratio is a robust 5.71, suggesting ample short-term liquid assets to cover current liabilities without immediate distress. Return on equity is an impressive 53.9%, demonstrating exceptional efficiency in generating profits from shareholders' equity, while return on assets stands at 21.0%, showing strong asset utilization.
バリュエーション評価
The stock trades with a trailing twelve-month P/E ratio of 7.95 and a forward P/E ratio of 3.90. The marked difference between these two multiples implies that the market expects a significant acceleration in future earnings growth relative to current profitability levels. The price-to-book ratio is 3.67, indicating that the market values the company at a substantial premium over its book value, likely reflecting the intangible value of its digital platform and proprietary underwriting data. Additionally, the price-to-sales ratio is 1.99, while the EV/EBITDA metric is not applicable due to missing EBITDA data. These alternative valuation metrics provide context for investors comparing the company against peers, as the low P/S multiple suggests the stock may be priced conservatively relative to its top-line performance. The 52-week price range has fluctuated between a low of $7.36 and a high of $15.03. Without the specific current share price listed in the provided facts, the relative positioning within this $7.67 spread cannot be precisely calculated, but the range establishes the volatility envelope over the past year. The beta value is 1.80, which signifies that the stock exhibits high price volatility, moving nearly twice as much as the broader market index during periods of market fluctuation.
Growth & Income
Revenue growth year over year is recorded at 9.2%, while earnings growth data is not available in the current dataset. The absence of reported earnings growth rates prevents a direct comparison to determine if profitability is expanding faster or slower than the top line, though the high return on equity suggests underlying capital efficiency. The company does not pay a dividend, evidenced by a dividend yield of 0.0% and a payout ratio of 0.0%. Consequently, the company retains all of its net income to reinvest into the business, likely funding technology upgrades or expanding its loan portfolio rather than distributing cash to shareholders. This reinvestment strategy is typical for growth-oriented financial services firms that prioritize capital deployment over immediate shareholder returns. The overall growth and income profile presents a capital-intensive, non-dividend-paying entity that relies on expanding revenue streams to drive shareholder value through capital appreciation rather than income distributions.