Technology · Software - Application
Price
$9.28
Market Cap
$792.4M
Employees
445
Beta
1.81
Avg Volume
648,680
CEO
Todd G. Schwartz
Business Description
OppFi Inc. provides a financial technology platform that enables banks to extend various lending solutions. This platform notably features several distinct financial instruments: the OppLoan, a standard installment loan; SalaryTap, an installment loan secured via payroll deduction; and the OppFi Card, a dedicated credit card. OppFi's headquarters are situated in Chicago, Illinois.
Business History
Price History (1 Year)
Revenue & Net Income Trend
The directional story — useful even when net income is negative.
Revenue
The top line — total sales before any costs or taxes are subtracted. A measure of how much business the company is doing.
Net Income
The bottom line — profit left after subtracting all expenses, interest, and taxes from revenue. Reflects accounting profitability, but includes non-cash items like depreciation, so it isn't the same as cash earned.
Operating Cash Flow
The real cash generated by the day-to-day business — selling products, paying suppliers, collecting from customers. Calculated from net income by adding back non-cash items and adjusting for timing (unpaid bills, unsold inventory). When OCF consistently lags net income, the reported profit may not be converting to real money.
| Period | Revenue | Net Income | Net Margin | YoY/QoQ |
|---|
Key Metrics
API Direct from provider
CALC Derived from statements
P/E Ratio (Price per dollar of earnings)
APIStock Price / EPS (Diluted)
3.76
Stock Price: $9.28
EPS (Diluted): 0.99
EPS (Diluted): 0.99
P/B Ratio (Price vs net asset value)
APIStock Price / Book Value Per Share
4.74
Stock Price: $9.28
Total Equity: $58.48M
Shares: 26,506,458
Total Equity: $58.48M
Shares: 26,506,458
EV/EBITDA (Total value vs operating profit)
APIEnterprise Value / EBITDA
5.91
Market Cap: $792.45M
Total Debt: $321.35M
Cash: $49.45M
EBITDA: $200.66M
Total Debt: $321.35M
Cash: $49.45M
EBITDA: $200.66M
Enterprise Value (Takeover price (cap + debt - cash))
APIMarket Cap + Total Debt - Cash
$560.6M
Market Cap: $792.45M
Total Debt: $321.35M
Cash: $49.45M
Total Debt: $321.35M
Cash: $49.45M
Gross Margin (Revenue left after direct costs)
APIGross Profit / Revenue
95.1%
Gross Profit: $567.71M
Revenue: $597.05M
Revenue: $597.05M
Operating Margin (Revenue left after all operations)
APIOperating Income / Revenue
32.4%
Operating Income: $193.25M
Revenue: $597.05M
Revenue: $597.05M
Net Margin (Revenue left as actual profit)
APINet Income / Revenue
4.4%
Net Income: $26.33M
Revenue: $597.05M
Revenue: $597.05M
ROE (Profit from shareholder equity)
APINet Income / Total Equity
134.3%
Net Income: $26.33M
Total Equity: $58.48M
Total Equity: $58.48M
ROIC (Profit from all invested capital)
APINOPAT / Invested Capital
148.7%
Operating Income: $193.25M
Tax Rate: 6.3%
Equity: $58.48M
Total Debt: $321.35M
Cash: $49.45M
Tax Rate: 6.3%
Equity: $58.48M
Total Debt: $321.35M
Cash: $49.45M
Current Ratio (Can it pay short-term bills)
APICurrent Assets / Current Liabilities
7.44
Current Assets: $639.50M
Current Liabilities: $85.98M
Current Liabilities: $85.98M
Debt/Equity (Leverage — debt vs equity)
CALCTotal Debt / Total Equity
5.49
Short-Term Debt: $0.00
Long-Term Debt: $321.35M
Total Debt: $321.35M
Total Equity: $58.48M
Long-Term Debt: $321.35M
Total Debt: $321.35M
Total Equity: $58.48M
Rev/Share (Top-line per share)
CALCRevenue / Shares Outstanding
$22.52
Revenue: $597.05M
Shares: 26,506,458
Shares: 26,506,458
Book Value/Share (Net assets per share)
CALC(Total Assets - Total Liabilities) / Shares
$2.21
Total Equity: $58.48M
Shares: 26,506,458
Shares: 26,506,458
FCF/Share (Real cash generated per share)
CALC(Operating Cash Flow + CapEx) / Shares
$14.42
Operating CF: $401.31M
CapEx: -$19.11M
Shares: 26,506,458
CapEx: -$19.11M
Shares: 26,506,458
CapEx is negative (outflow) — added to OCF to get FCF
Div Yield (Annual income from holding)
APILast Annual Dividend / Stock Price
23.4%
Last Dividend: N/A
Stock Price: $9.28
Stock Price: $9.28
Payout Ratio (Earnings paid out as dividends)
Dividends Paid / Net Income
—
Dividends Paid: N/A
Net Income: $26.33M
Net Income: $26.33M
Dividends paid not available in cash flow statement
Industry Benchmarks
Compares OPFI against LLM-researched typical ranges for its
industry. One research call per industry, cached indefinitely — every stock in the same industry
reuses the same baseline.
Deep Analysis
Pre-flight intelligence scans the company first, then routes to the right analytical methods.
0
Company Classification
— What type of company is this?
1
Industry Landscape
— Where is the industry headed?
2
Company Momentum
— Where is this company trending?
3
Forward Projection
— 1Y & 2Y projected metrics (requires Layer 1 + 2)
4a
DCF Valuation
— Present value of future cash flows
4b
Earnings Power Value
— Floor value — worth with zero growth
4c
Anchored PE
— Industry PE adjusted for growth differential
4d
Reverse DCF
— What growth is the market pricing in?
4e
Revenue-Based DCF
— For growth/narrative companies (skip if mature earner)
4f
Anchored P/S
— Price-to-Sales peer comparison (skip if mature earner)
4g
Scenario Analysis
— Bull / Base / Bear (skip if mature earner)
4h
Dividend Discount Model
— For dividend/income stocks only
4i
Book Value Analysis
— For deep value / turnaround stocks only
4j
Insider Activity
— Are insiders buying or selling?
4f
Cash Flow Quality
— How trustworthy is the FCF?
4g
Debt Maturity Risk
— Can it handle its debt?
4h
Macro Environment
— Rates, market valuation, volatility
4i
Sector Intelligence
— How does this company compare within its sector?
4j
Revenue Confidence
— How reliable is the growth projection?
4k
Sensitivity Analysis
— How fragile is the fair value estimate?
4l
Sector Demand Cycle
— Is the sector in a boom, steady state, or contraction?
5
AI Investigation
— Adaptive research engine (Claude)
5b
Thesis Evaluation
— What does the market believe? (narrative/platform stocks only)
6
Valuation Synthesis
— Weighted verdict from all methods (requires Layer 4)
Income Statement (Annual)
Last updated: Jun 21, 2026 7:20pm (5d ago)| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Revenue | $350.6M | $452.9M | $508.9M | $526.0M | $597.1M |
| Cost of Revenue | $89.2M | $95.1M | $107.4M | $105.2M | $29.3M |
| Gross Profit | $261.4M | $357.7M | $401.5M | $420.8M | $567.7M |
| Operating Expenses | $204.1M | $364.1M | $355.2M | $326.2M | $374.5M |
| Operating Income | $57.3M | -$6.3M | $46.4M | $94.5M | $193.2M |
| Net Income | $25.6M | $7.1M | -$1.0M | $7.3M | $26.3M |
| EBITDA | $100.5M | $244.8M | $290.5M | $308.6M | $200.7M |
| EPS | $1.93 | $0.51 | $-0.06 | $0.36 | $0.99 |
| EPS (Diluted) | — | — | — | — | — |
Balance Sheet (Annual)
Last updated: Jun 21, 2026 7:20pm (5d ago)| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Cash & Equivalents | $25.1M | $16.2M | $31.8M | $61.3M | $49.5M |
| Total Current Assets | $450.5M | $510.2M | $539.3M | $564.0M | $639.5M |
| Total Assets | $502.1M | $579.8M | $601.5M | $641.2M | $754.1M |
| Current Liabilities | $58.1M | $55.2M | $51.5M | $59.8M | $86.0M |
| Long-Term Debt | $251.6M | $347.1M | $334.1M | $318.8M | $321.4M |
| Total Liabilities | $344.2M | $420.7M | $407.5M | $407.0M | $445.2M |
| Total Equity | -$9.0M | $-494,000 | $10.4M | $32.8M | $58.5M |
| Retained Earnings | -$70.7M | -$63.5M | -$63.6M | -$55.1M | -$33.5M |
Cash Flow (Annual)
Last updated: Jun 21, 2026 7:20pm (5d ago)| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Operating Cash Flow | $167.3M | $243.3M | $296.1M | $323.8M | $401.3M |
| Capital Expenditure | -$14.4M | -$13.3M | -$9.0M | -$13.0M | -$19.1M |
| Free Cash Flow | $153.0M | $230.0M | $287.2M | $310.8M | $382.2M |
| Acquisitions (net) | $0 | -$1.3M | $0 | $0 | $0 |
| Debt Repayment | — | — | — | — | — |
| Dividends Paid | — | — | — | — | — |
| Stock Buybacks | $0 | -$2.5M | $0 | -$3.6M | -$15.5M |
| Net Change in Cash | $16.7M | -$12.7M | $24.3M | $14.3M | $5.0M |
Analyst Estimates (Annual)
Last updated: Jun 26, 2026 9:51pm (11h ago)| Metric | 2024 | 2025 | 2026 | 2027 |
|---|---|---|---|---|
| Revenue |
$523.8M $513.3M – $538.7M
|
$597.6M $597.5M – $597.6M
|
$660.5M $660.5M – $660.6M
|
$773.3M $757.8M – $795.4M
|
| EBITDA |
$243.1M $238.3M – $250.1M
|
$277.4M $277.4M – $277.4M
|
$306.6M $306.6M – $306.6M
|
$358.9M $351.8M – $369.2M
|
| Net Income |
$23.0M $22.3M – $23.7M
|
$41.9M $40.6M – $43.2M
|
$47.8M $46.3M – $49.3M
|
$57.0M $55.3M – $58.8M
|
| EPS | — | — | — | — |
Growth Trends (YoY %)
Last updated: Jun 21, 2026 7:20pm (5d ago)| Metric | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Revenue Growth | +29.2% | +12.4% | +3.3% | +13.5% |
| Gross Profit Growth | +36.8% | +12.2% | +4.8% | +34.9% |
| Operating Income Growth | -111.1% | +830.9% | +103.9% | +104.4% |
| Net Income Growth | -72.2% | -114.2% | +822.2% | +262.8% |
| EBITDA Growth | +143.5% | +18.7% | +6.2% | -35.0% |
Insider Trading (Recent)
Last updated: Jun 27, 2026 5:54am (3h ago)
Type codes
PPurchase
SSale
AAward / grant
MOption exercise
FIn-kind (tax)
CConversion
GGift
DReturn to issuer
All SEC Form 4 codes
Open market
- P Purchase
- Open-market or private purchase of shares.
- S Sale
- Open-market or private sale of shares.
Compensation (Rule 16b-3)
- A Award / grant
- Grant or award of securities (RSUs, options, etc.) under Rule 16b-3.
- D Return to issuer
- Securities disposed back to the company under Rule 16b-3.
- F In-kind (tax)
- Shares withheld or delivered to pay the option-exercise price or tax — not an open-market sale.
- I Discretionary
- Discretionary transaction under an employee plan — Rule 16b-3(f).
- M Option exercise
- Exercise or conversion of a derivative (option/RSU) into shares — exempt.
Derivatives
- C Conversion
- Conversion of a derivative security into the underlying shares.
- E Short expiration
- Expiration of a short derivative position.
- H Long expiration
- Expiration or cancellation of a long derivative position with value received.
- O OTM exercise
- Exercise of an out-of-the-money derivative.
- X ITM exercise
- Exercise of an in-the-money or at-the-money derivative.
Other exempt
- G Gift
- Bona fide gift of securities.
- L Small acquisition
- Small acquisition under Rule 16a-6.
- W Inheritance
- Acquisition or disposition by will or the laws of descent.
- Z Voting trust
- Deposit into or withdrawal from a voting trust.
Other
- J Other
- Other acquisition or disposition (explained in a Form 4 footnote).
- K Equity swap
- Transaction in an equity swap or similar instrument.
- U Tender / buyout
- Disposition via tender of shares in a change-of-control transaction.
Compensation-plan codes (A, D, F, M) are routine and rarely directional. Open-market P (buy) and S (sale) carry the most signal.
| Date | Insider | Type | Shares | Price | Value |
|---|---|---|---|---|---|
| 2026-06-15 | Moore Jocelyn | S-Sale | 39,076.00 | $8.32 | $324,936 |
| 2026-06-12 | McKay Christopher J. | S-Sale | 23,683.00 | $8.35 | $197,815 |
| 2026-06-09 | Zeeman Gregory T | A-Award | 16,843.00 | $0.00 | $0 |
| 2026-06-09 | Vennettilli David | A-Award | 25,265.00 | $0.00 | $0 |
| 2026-06-09 | Vennettilli David | A-Award | 25,265.00 | $0.00 | $0 |
| 2026-06-09 | SCHWARTZ THEODORE G | A-Award | 16,843.00 | $0.00 | $0 |
| 2026-06-09 | Moore Jocelyn | A-Award | 16,843.00 | $0.00 | $0 |
| 2026-06-08 | Favilla Christina M | S-Sale | 30,000.00 | $8.14 | $244,176 |
| 2026-06-09 | Favilla Christina M | A-Award | 16,843.00 | $0.00 | $0 |
| 2026-05-04 | Vennettilli David | S-Sale | 10,000.00 | $10.00 | $100,000 |
| 2026-05-04 | McKay Christopher J. | F-InKind | 357.00 | $9.51 | $3,395 |
| 2026-05-04 | Johnson Pamela D. | F-InKind | 469.00 | $9.51 | $4,460 |
| 2026-04-28 | Vennettilli David | M-Exempt | 284,501.00 | $0.00 | $0 |
| 2026-04-28 | Vennettilli David | D-Return | 284,501.00 | $0.00 | $0 |
| 2026-04-28 | Vennettilli David | M-Exempt | 284,501.00 | $0.00 | $0 |
| 2026-04-28 | Schwartz Todd G. | M-Exempt | 24,656,083.00 | $0.00 | $0 |
| 2026-04-28 | Schwartz Todd G. | D-Return | 54,137,072.00 | $0.00 | $0 |
| 2026-04-28 | Schwartz Todd G. | M-Exempt | 1,949,309.00 | $0.00 | $0 |
| 2026-04-28 | Schwartz Todd G. | M-Exempt | 1,949,309.00 | $0.00 | $0 |
| 2026-04-28 | Schwartz Todd G. | D-Return | 4,501,169.00 | $0.00 | $0 |
Dividend History (Last 20)
Last updated: Jun 21, 2026 7:20pm (5d ago)| Date | Dividend | Declaration | Record | Payment |
|---|---|---|---|---|
| 2025-04-08 | $0.25 | 2025-03-25 | 2025-04-08 | 2025-04-18 |
| 2024-04-18 | $0.12 | 2024-04-09 | 2024-04-19 | 2024-05-01 |
Narrative Economics
The story the market is telling about this stock — the intangible X-factor
(founder mythology, cult dynamics, TAM-of-imagination) that moves price beyond
what cash flows alone explain. After Shiller, Narrative Economics.
No narrative profile yet for OPFI — it's generated by the pipeline (
market-narrative step).
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My Notes
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Data via Financial Modeling Prep · Cached for performance · fmp
v1.1.352 · d1100787 · 2026-06-26 11:39:30