OPFI
VENTE TOTALE: 28 485 titres (~203 966,84 $ US)
- Insiders
- Vennettilli David
- Total bought
- —
- Total sold
- $203,967
- Last activity
- 2026-08-19
- Last synced
-
2026-08-25 17:08:49
Insider holdings as a share of total assets aren't available for this company.
Price (1 year)
Live chart from TradingView - pulls its own market data, independent of this site's database. Symbol resolution is best-effort (defaults to NASDAQ) since we don't store the exchange prefix.
Market snapshot
Signal
Bearish signal Scored 2026-08-31
Despite solid liquidity (80) and improving fundamentals (75), the near-zero catalyst score (15) driven by an earnings miss, a 25% single-day stock collapse, a guidance cut, and insider selling overwhelms any fundamental…
The first sentence of the analysis written for OPFI on 2026-08-31 - a real excerpt, not a sample. The rest of it, the 0-100 score and the rating it produced are part of Plus. See plans.
Financial ratios
| Metric | Trend | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|---|
| Gross Profit Margin | 95.1% | 80.0% | 78.9% | 79.0% | 74.6% | |
| Ebit Margin | 32.7% | 56.8% | 54.6% | 51.1% | 25.7% | |
| Ebitda Margin | 33.6% | 58.7% | 57.1% | 54.0% | 28.7% | |
| Operating Profit Margin | 32.4% | 18.0% | 9.1% | -1.4% | 16.3% | |
| Pretax Profit Margin | 26.2% | 16.7% | 8.2% | 0.7% | 25.7% | |
| Continuous Operations Profit Margin | 24.5% | 15.9% | 7.8% | 0.7% | 25.6% | |
| Net Profit Margin | 4.4% | 1.4% | -0.2% | 1.6% | 7.3% | |
| Bottom Line Profit Margin | 4.4% | 1.4% | -0.2% | 0.9% | 11.5% | |
| Current Ratio | 7.438 | 9.432 | 10.477 | 9.245 | 7.748 | |
| Quick Ratio | 7.438 | 9.432 | 10.477 | 9.245 | 7.748 | |
| Solvency Ratio | 0.071 | 0.041 | 0.029 | 0.049 | 0.104 | |
| Cash Ratio | 0.575 | 1.026 | 0.618 | 0.294 | 0.431 | |
| Price To Earnings Ratio | 10.566 | 21.278 | -83.524 | 4.020 | 2.352 | |
| Price To Earnings Growth Ratio | 0.060 | -0.031 | 0.746 | -0.055 | -0.035 | |
| Forward Price To Earnings Growth Ratio | 0.060 | -0.031 | 0.746 | -0.055 | -0.035 | |
| Price To Earnings Diluted Ratio | 10.566 | 21.278 | -83.524 | 40.675 | 9.458 | |
| Price To Earnings Diluted Growth Ratio | 0.060 | -0.031 | 0.377 | -0.454 | -0.103 | |
| Price To Book Ratio | 4.741 | 4.708 | 8.039 | -57.739 | -6.638 | |
| Price To Sales Ratio | 0.464 | 0.293 | 0.165 | 0.063 | 0.171 | |
| Price To Free Cash Flow Ratio | 0.725 | 0.497 | 0.292 | 0.124 | 0.392 | |
| Price To Operating Cash Flow Ratio | 0.691 | 0.477 | 0.283 | 0.117 | 0.359 | |
| Debt To Assets Ratio | 0.441 | 0.518 | 0.580 | 0.627 | 0.546 | |
| Debt To Equity Ratio | 5.690 | 10.132 | 33.446 | -736.069 | -30.312 | |
| Debt To Capital Ratio | 0.851 | 0.910 | 0.971 | 1.001 | 1.034 | |
| Long Term Debt To Capital Ratio | 0.846 | 0.907 | 0.970 | 1.001 | 1.037 | |
| Financial Leverage Ratio | 12.894 | 19.563 | 57.619 | -1,173.763 | -55.543 | |
| Working Capital Turnover Ratio | 1.129 | 1.060 | 1.080 | 1.069 | 1.139 | |
| Operating Cash Flow Ratio | 4.667 | 5.415 | 5.753 | 4.409 | 2.878 | |
| Operating Cash Flow Sales Ratio | 0.672 | 0.616 | 0.582 | 0.537 | 0.477 | |
| Free Cash Flow Operating Cash Flow Ratio | 0.952 | 0.960 | 0.970 | 0.946 | 0.914 | |
| Debt Service Coverage Ratio | 4.846 | 1.670 | 6.164 | 6.969 | 4.438 | |
| Interest Coverage Ratio | 4.909 | 0.519 | 0.992 | -0.180 | 417.934 | |
| Short Term Operating Cash Flow Coverage Ratio | 0.000 | 0.000 | 0.000 | 0.000 | 7.456 | |
| Operating Cash Flow Coverage Ratio | 1.206 | 0.975 | 0.848 | 0.669 | 0.611 | |
| Capital Expenditure Coverage Ratio | 20.996 | 24.889 | 32.938 | 18.362 | 11.643 | |
| Dividend Paid And Capex Coverage Ratio | 4.776 | 21.048 | 15.407 | 16.711 | 2.559 | |
| Dividend Payout Ratio | 2.465 | 0.327 | -10.179 | 0.184 | 1.997 | |
| Enterprise Value Multiple | 2.794 | 1.377 | 1.381 | 1.536 | 3.074 |
Sparkline shows each ratio oldest → newest (left → right).
How the latest year compares
For each ratio: its most recent value, the change versus one year earlier, and versus its 5-year average. ▲ higher ▼ lower
| Metric | Current | vs 1Y ago | vs 5Y avg |
|---|---|---|---|
| Gross Profit Margin | 95.1% | ▲15.1% | ▲13.6% |
| Ebit Margin | 32.7% | ▼-24.1% | ▼-11.5% |
| Ebitda Margin | 33.6% | ▼-25.1% | ▼-12.8% |
| Operating Profit Margin | 32.4% | ▲14.4% | ▲17.5% |
| Pretax Profit Margin | 26.2% | ▲9.4% | ▲10.7% |
| Continuous Operations Profit Margin | 24.5% | ▲8.6% | ▲9.6% |
| Net Profit Margin | 4.4% | ▲3.0% | ▲1.5% |
| Bottom Line Profit Margin | 4.4% | ▲3.0% | ▲0.8% |
| Current Ratio | 7.438 | ▼-1.994 | ▼-1.430 |
| Quick Ratio | 7.438 | ▼-1.994 | ▼-1.430 |
| Solvency Ratio | 0.071 | ▲0.029 | ▲0.012 |
| Cash Ratio | 0.575 | ▼-0.451 | ▼-0.014 |
| Price To Earnings Ratio | 10.566 | ▼-10.712 | ▲19.627 |
| Price To Earnings Growth Ratio | 0.060 | ▲0.091 | ▼-0.077 |
| Forward Price To Earnings Growth Ratio | 0.060 | ▲0.091 | ▼-0.077 |
| Price To Earnings Diluted Ratio | 10.566 | ▼-10.712 | ▲10.875 |
| Price To Earnings Diluted Growth Ratio | 0.060 | ▲0.091 | ▲0.091 |
| Price To Book Ratio | 4.741 | ▲0.032 | ▲14.119 |
| Price To Sales Ratio | 0.464 | ▲0.171 | ▲0.233 |
| Price To Free Cash Flow Ratio | 0.725 | ▲0.229 | ▲0.319 |
| Price To Operating Cash Flow Ratio | 0.691 | ▲0.214 | ▲0.306 |
| Debt To Assets Ratio | 0.441 | ▼-0.077 | ▼-0.101 |
| Debt To Equity Ratio | 5.690 | ▼-4.441 | ▲149.113 |
| Debt To Capital Ratio | 0.851 | ▼-0.060 | ▼-0.103 |
| Long Term Debt To Capital Ratio | 0.846 | ▼-0.061 | ▼-0.106 |
| Financial Leverage Ratio | 12.894 | ▼-6.670 | ▲240.740 |
| Working Capital Turnover Ratio | 1.129 | ▲0.069 | ▲0.034 |
| Operating Cash Flow Ratio | 4.667 | ▼-0.748 | ▲0.043 |
| Operating Cash Flow Sales Ratio | 0.672 | ▲0.057 | ▲0.095 |
| Free Cash Flow Operating Cash Flow Ratio | 0.952 | ▼-0.007 | ▲0.004 |
| Debt Service Coverage Ratio | 4.846 | ▲3.176 | ▲0.029 |
| Interest Coverage Ratio | 4.909 | ▲4.390 | ▼-79.926 |
| Short Term Operating Cash Flow Coverage Ratio | 0.000 | 0.000 | ▼-1.491 |
| Operating Cash Flow Coverage Ratio | 1.206 | ▲0.231 | ▲0.344 |
| Capital Expenditure Coverage Ratio | 20.996 | ▼-3.893 | ▼-0.769 |
| Dividend Paid And Capex Coverage Ratio | 4.776 | ▼-16.272 | ▼-7.324 |
| Dividend Payout Ratio | 2.466 | ▲2.138 | ▲3.507 |
| Enterprise Value Multiple | 2.794 | ▲1.417 | ▲0.761 |
Key metrics
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Market cap | $277.3M | $154.3M | $83.9M | $28.5M | $60.0M | |
| Enterprise value | $560.6M | $425.0M | $401.3M | $375.9M | $309.0M | |
| EV / Sales | 0.94x | 0.81x | 0.79x | 0.83x | 0.88x | |
| EV / Op. cash flow | 1.40x | 1.31x | 1.35x | 1.54x | 1.85x | |
| EV / Free cash flow | 1.47x | 1.37x | 1.40x | 1.63x | 2.02x | |
| EV / EBITDA | 2.79x | 1.38x | 1.38x | 1.54x | 3.07x | |
| Net debt / EBITDA | 1.41x | 0.88x | 1.09x | 1.42x | 2.48x | |
| Current ratio | 7.44x | 9.43x | 10.48x | 9.24x | 7.75x | |
| Income quality | 2.74x | 3.86x | -294.67x | 72.84x | 1.86x | |
| Graham number | $7 | $4 | — | — | — | |
| Graham net-net | $1 | $1 | -$2 | -$4 | -$2 | |
| Tax burden | 16.9% | 8.2% | -2.4% | 231.7% | 28.4% | |
| Interest burden | 79.9% | 29.5% | 15.1% | 1.3% | 99.8% | |
| Working capital | $553.5M | $504.2M | $487.8M | $455.0M | $392.3M | |
| Invested capital | $590.0M | $528.5M | $510.3M | $482.6M | $407.0M | |
| Return on assets | 3.5% | 1.1% | -0.2% | 1.2% | 5.1% | |
| Operating ROA | 27.7% | 15.2% | 7.8% | -1.2% | 14.5% | |
| Return on tangible assets | 3.5% | 1.1% | -0.2% | 1.2% | 5.1% | |
| Return on equity | 45.0% | 22.1% | -9.6% | -1436.8% | -282.7% | |
| Return on invested capital | 27.1% | 15.5% | 8.0% | -1.2% | 12.2% | |
| Return on capital employed | 28.9% | 16.3% | 8.4% | -1.2% | 12.9% | |
| Earnings yield | 9.5% | 4.7% | -1.2% | 24.9% | 42.6% | |
| Free cash flow yield | 137.8% | 201.4% | 342.2% | 806.5% | 254.9% | |
| Capex / Op. cash flow | 4.8% | 4.0% | 3.0% | 5.4% | 8.6% | |
| Capex / Depreciation | 370.5% | 135.2% | 70.6% | 97.6% | 139.8% | |
| Capex / Sales | 3.2% | 2.5% | 1.8% | 2.9% | 4.1% | |
| SG&A / Sales | 14.7% | 17.1% | 17.0% | 19.3% | 25.4% | |
| R&D / Sales | 0.0% | 4.0% | 0.0% | 0.0% | 0.0% | |
| Stock comp / Sales | 1.7% | 1.0% | 0.8% | 0.8% | 0.9% | |
| Intangibles / Total assets | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |
| Days sales outstanding | 334d | 330d | 334d | 371d | 404d | |
| Days payables outstanding | 34d | 3d | 15d | 24d | 25d | |
| Operating cycle | 334d | 330d | 334d | 371d | 404d | |
| Cash conversion cycle | 299d | 327d | 319d | 346d | 379d |
Change by theme
Grouped by what each metric measures. Each figure is the change over the period shown — ▲ up ▼ down versus then.
Change over 1 year
Valuation
Market cap ▲+79.7%EV / Sales ▲+16.2%EV / EBITDA ▲+102.8%EV / Op. cash flow ▲+0.084Earnings yield ▲+0.048Graham number ▲+3.391
Profitability
Return on equity ▲+0.229Return on assets ▲+0.024Return on invested capital ▲+0.116Return on capital employed ▲+0.127Operating ROA ▲+0.125Income quality ▼-1.118Tax burden ▲+0.086
Efficiency
Days sales outstanding ▲+3.794Days payables outstanding ▲+31.447Operating cycle ▲+3.794Cash conversion cycle ▼-27.653Capex / Sales ▲+0.007R&D / Sales ▼-0.040
Balance-sheet strength
Current ratio ▼-1.994Net debt / EBITDA ▲+0.535Working capital ▲+49295000.000Invested capital ▲+61498000.000Intangibles / Total assets n/a
Change over 5 years
Valuation
Market cap ▲+362.0%EV / Sales ▲+6.5%EV / EBITDA ▼-9.1%EV / Op. cash flow ▼-0.449Earnings yield ▼-0.331
Profitability
Return on equity ▲+3.277Return on assets ▼-0.016Return on invested capital ▲+0.149Return on capital employed ▲+0.160Operating ROA ▲+0.132Income quality ▲+0.880Tax burden ▼-0.115
Efficiency
Days sales outstanding ▼-70.152Days payables outstanding ▲+9.527Operating cycle ▼-70.152Cash conversion cycle ▼-79.679Capex / Sales ▼-0.009R&D / Sales n/a
Balance-sheet strength
Current ratio ▼-0.311Net debt / EBITDA ▼-1.065Working capital ▲+161183000.000Invested capital ▲+183002000.000Intangibles / Total assets n/a
Employee count
Peer market caps
Congressional trades
No congressional trade data synced.
Recent news
- 2026-08-13 OppFi''s Guidance Cut Has Created Opportunity OppFi trades at a steep discount, with shares at 4.37x forward non-GAAP earnings—over 60% below the sector median—despite resilient revenue and free cash flow growth. OPFI management tightened underwriting, sacrificing short-term volume for portfolio quality, margin stability, and long-term profitability, as evidenced by improved recoveries and disciplined expense control. The BNC National Bank acquisition is expected to be financially transformative, expanding OPFI''s platform, boosting adjusted EPS by 25% in year one, and targeting 10% ROA and 35% ROE by 2028.
- 2026-08-13 Dimensional Fund Advisors LP Acquires 141,949 Shares of OppFi Inc. $OPFI Dimensional Fund Advisors LP grew its stake in shares of OppFi Inc. (NYSE: OPFI) by 50.0% during the undefined quarter, according to the company in its most recent Form 13F filing with the Securities and Exchange Commission (SEC). The fund owned 426,089 shares of the company''s stock after buying an additional 141,949 shares
- 2026-08-11 Why OppFi Stock Swooned by Almost 25% Today The specialty lender posted a displeasing quarterly earnings report.
- 2026-08-11 Stonegate Capital Partners Updates Coverage on OppFi, Inc. (OPFI) 2Q26 Dallas, Texas--(Newsfile Corp. - August 11, 2026) - OppFi, Inc. (NYSE: OPFI): Stonegate Capital Partners Updates Coverage on OppFi (NYSE: OPFI). OppFi''s 2Q26 results weaken the near-term earnings outlook but do not change the longer-term thesis.
- 2026-08-11 OppFi Inc. (OPFI) Q2 2026 Earnings Call Transcript OppFi Inc. (OPFI) Q2 2026 Earnings Call Transcript
- 2026-08-11 OppFi Posts Downbeat Q2 Earnings, Joins Upwork, Rocket Lab And Other Big Stocks Moving Lower In Tuesday''s Pre-Market Session U.S. stock futures were mostly lower this morning, with the Dow futures falling around 0.1% on Tuesday.
- 2026-08-11 OppFi Q2 Earnings Call Highlights OppFi NYSE: OPFI reported second-quarter 2026 revenue growth but lower adjusted earnings as the consumer lending platform invested in new products, technology infrastructure and its planned acquisition of BNC National Bank.
- 2026-08-10 OppFi Inc. (OPFI) Q2 Earnings and Revenues Miss Estimates OppFi Inc. (OPFI) came out with quarterly earnings of $0.33 per share, missing the Zacks Consensus Estimate of $0.48 per share. This compares to earnings of $0.45 per share a year ago.
- 2026-08-10 OppFi Reports Second Quarter 2026 Results, Record Second Quarter Revenue Total revenue increased 1.9% year over year to $145.2 million, a Company record for any second quarter Net income increased 36.0% year over year to $15.6 million CHICAGO, Aug. 10, 2026 /PRNewswire/ -- OppFi Inc. (NYSE: OPFI) ("OppFi" or the "Company"), a tech-enabled digital finance platform that partners with banks to offer financial products and services to everyday Americans, today reported financial results for the second quarter ended June 30, 2026. "The strategic transformation of OppFi continues to gain momentum as we execute against the initiatives that lay the foundation for our next chapter," said Todd Schwartz, CEO and Executive Chairman.
- 2026-08-04 OppFi: Look Beyond Q2, As Greenlighting Of The BNC Deal Is Not Certain OppFi, a digital consumer finance company that is looking to get a national bank charter by Q4 (via an acquisition) has not fared as badly as other fintech peers YTD. Q2-26 earnings which is due on 6th August is ljkely to see a topline beat, but OPFI''s ability to arrest origination declines and higher charge-off rates will be scrutinized. The transformative BNCC acquisition could drive significant EPS accretion and operational synergies, but regulatory approval remains highly uncertain amid recent strong opposition.