OppFi Inc

OPFI · NYSE · Financial Services / Credit Services

5.94USD+0.03 (+0.51%)

Price History

Full chart

Market Stats

Previous Close5.91

Open5.94

Day Range5.92 – 6.02

52-Week Range6.09 – 11.69

Volume413.79K

Market Cap535.11M

P/E (TTM)2.09

Forward P/E3.08

EPS3.01

Dividend Yield0.00%

Beta1.78

50-Day Avg7.91

200-Day Avg8.85

About

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.

Company Details

SectorFinancial Services
IndustryCredit Services
CEOMr. Todd G. Schwartz
Employees410
HeadquartersOne Prudential Plaza, Chicago, IL, United States, 60601, USA
Websitehttps://www.oppfi.com

Leadership

Mr. Todd G. SchwartzFounder, Executive Chairman & CEO · b. 1983
Mr. Theodore G. SchwartzCo-Founder & Director · b. 1954
Ms. Pamela D. Johnson CPACFO & Chief Accounting Officer · b. 1962
Mr. Christopher McKayChief Risk & Analytics Officer · b. 1978
Mr. Manuel ChagasChief Operating Officer
Mr. Yuri Ter-SaakyantsChief Technology Officer
Mr. Shaun SmolarzHead of Investor Relations
Mr. Marv GurevichGeneral Counsel & Secretary
Carrie HagnerChief Compliance Officer
Stephanie MetzgerChief Marketing & Product Officer

Financials

Income Statement

Currency: USD	2018-12-31	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31
Total Revenue	54.38M	107.30M	291.01M	350.57M	452.86M	508.95M	525.96M	597.05M
Growth (%)	-	+97.30%	+171.22%	+20.46%	+29.18%	+12.39%	+3.34%	+13.52%
Cost of Revenue	-	23.68M	44.20M	89.17M	95.14M	107.43M	105.18M	29.34M
Gross Profit	54.38M	107.30M	246.82M	261.40M	357.72M	401.52M	420.78M	567.71M
Gross Margin	100.00%	100.00%	84.81%	74.56%	78.99%	78.89%	80.00%	95.09%
Operating Expense	33.62M	74.30M	169.30M	204.14M	364.06M	355.16M	326.24M	374.46M
Operating Income	20.76M	32.99M	77.52M	57.26M	-6.34M	46.35M	94.54M	193.25M
Operating Margin	38.18%	30.75%	26.64%	16.33%	-1.40%	9.11%	17.97%	32.37%
EBITDA	2.42M	4.28M	103.53M	100.53M	244.77M	290.51M	308.60M	200.66M
EBITDA Margin	4.45%	3.99%	35.58%	28.67%	54.05%	57.08%	58.67%	33.61%
Net Income	9.73M	32.99M	77.52M	25.55M	7.10M	-1.00M	7.26M	26.33M
Net Income Margin	17.90%	30.75%	26.64%	7.29%	1.57%	-0.20%	1.38%	4.41%
R&D	4.90M	8.38M	13.62M	19.36M	25.75M	24.54M	21.17M	-
R&D as % of Total Revenue	9.01%	7.81%	4.68%	5.52%	5.69%	4.82%	4.03%	-
Interest Expense	11.98M	20.65M	19.28M	137.00K	35.16M	46.75M	182.23M	39.37M
Interest Expense % of Total Revenue	22.02%	19.25%	6.63%	0.04%	7.76%	9.19%	34.65%	6.59%

Balance Sheet

Currency: USD	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31
Total Assets	286.63M	285.84M	502.11M	579.84M	601.54M	641.17M	754.09M
Total Liabilities	249.18M	186.51M	344.23M	420.69M	407.51M	406.96M	445.21M
Total Equity	37.45M	99.33M	157.88M	-494.00K	10.44M	32.77M	58.48M
Cash	16.79M	25.60M	25.06M	16.24M	31.79M	61.34M	49.45M
Total Debt	223.90M	174.13M	296.46M	363.62M	349.18M	332.05M	332.78M
Net Debt	207.11M	132.50M	248.96M	347.38M	317.39M	270.71M	283.33M

Cash Flow

Currency: USD	2018-12-31	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31
Operating Cash Flow	63.03M	148.92M	192.11M	167.35M	243.30M	296.15M	323.81M	401.31M
Investing Cash Flow	-123.61M	-214.15M	-98.31M	-199.47M	-199.47M	-244.29M	-243.44M	-307.80M
Financing Cash Flow	72.83M	78.01M	-84.12M	48.83M	61.26M	-27.58M	-66.02M	-88.53M
Capital Expenditure	4.10M	6.64M	10.72M	14.37M	13.25M	8.99M	13.01M	19.11M
Free Cash Flow	58.93M	142.28M	181.39M	152.97M	230.05M	287.15M	310.80M	382.19M
Dividends Paid	2.35M	9.48M	15.78M	51.02M	1.31M	10.23M	2.37M	64.91M
FCF to OCF	93.49%	95.54%	94.42%	91.41%	94.55%	96.96%	95.98%	95.24%
Dividend Paid to FCF	3.98%	6.67%	8.70%	33.35%	0.57%	3.56%	0.76%	16.98%

Earnings

Report Date	Mar 31, 2020	Nov 12, 2020	Mar 2, 2021	May 12, 2021	Aug 10, 2021	Nov 11, 2021	Mar 10, 2022	May 5, 2022	Aug 9, 2022	Nov 9, 2022	Mar 23, 2023	May 11, 2023	Aug 9, 2023	Nov 9, 2023	Mar 7, 2024	May 8, 2024	Aug 7, 2024	Nov 7, 2024	Mar 5, 2025	May 7, 2025	Aug 6, 2025	Oct 29, 2025	Mar 5, 2026	May 7, 2026	Aug 10, 2026	Nov 4, 2026
EPS Estimate	0.00	0.00	0.00	0.22	0.18	0.15	0.15	0.02	0.06	-0.06	-0.10	-0.01	0.04	0.07	0.08	0.05	0.14	0.20	0.15	0.25	0.30	0.32	0.28	0.33	0.48	0.41
EPS Actual	0.41	0.00	-0.01	0.23	0.21	0.21	0.13	0.01	0.08	0.01	-0.19	0.05	0.19	0.16	0.10	0.10	0.29	0.33	0.23	0.38	0.45	0.46	0.30	0.35	0.33	-
Surprise	-	-	-	4.55%	16.67%	40.00%	-13.33%	-50.00%	33.33%	116.67%	-90.00%	600.00%	375.00%	128.57%	25.00%	100.00%	107.14%	65.00%	56.78%	52.00%	50.00%	43.75%	5.26%	6.06%	-31.25%	-
Timing	-	-	After-hours	After-hours	After-hours	After-hours	After-hours	Pre-market	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	Pre-market	Pre-market	Pre-market	After-hours	Pre-market	Pre-market	Pre-market	-	Pre-market	After-hours	-

Key Statistics & Ratios

Market Cap535.11M

Enterprise Value757.64M

Trailing P/E2.09

Forward P/E3.08

Price / Sales1.63

Price / Book1.29

EPS3.01

Book Value4.86

Revenue (TTM)327.48M

Gross Profit (TTM)327.48M

Profit Margin31.06%

Operating Margin31.21%

Return on Equity58.24%

Return on Assets25.49%

Shares Outstanding85.21M

Shares Float33.48M

Beta1.78

Dividend Yield0.00%

Dividend Rate0.00

Payout Ratio0.00%

Analyst Ratings

Strong Buy

Based on 2 analystsTarget 13.32

Strong Buy
1
Buy
1

Ownership Breakdown

Institutions: 26.92%
Insiders: 60.50%
Retail / Other: 12.58%

Top Institutional Holders

Wellington Management Company LLP
3.02M3.54%
BlackRock Inc
1.94M2.27%
Vanguard Capital Management, LLC
1.19M1.39%
Citadel Advisors Llc
1.07M1.25%
Morgan Stanley - Brokerage Accounts
710.31K0.83%
Two Sigma Investments LLC
669.26K0.79%
JPMorgan Chase & Co
665.06K0.78%
Nuveen, LLC
652.60K0.77%
Dimensional Fund Advisors, Inc.
646.23K0.76%
LB Partners LLC
632.50K0.74%
Renaissance Technologies Corp
630.31K0.74%
Geode Capital Management, LLC
611.18K0.72%
State Street Corp
536.22K0.63%
Trexquant Investment LP
446.62K0.52%
Millennium Management LLC
333.11K0.39%
UBS Group AG
329.22K0.39%
The Goldman Sachs Group Inc
328.52K0.39%

Top Fund Holders

Vanguard MStar Total Stk Mkt Idx Invest
1.77M2.08%
iShares Russell 2000 ETF
698.28K0.82%
Nuveen Quant Small Cap Equity R6
544.11K0.64%

Dividends

20251×

0.25Apr 8, 2025

20241×

0.12Apr 18, 2024