OppFi Inc (OPFI)
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This stock currently matches 5 of our scanner strategies — each hit links to the scanner.
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Trading Day
Key levels of the most recently completed trading day — not a live quote.
52-Week Range
Current price 9.40 $ — 40% of the range above the low.
Lowest and highest closing price over the last 52 weeks. The marker shows where the current price sits within that range: close to the high speaks for strength, close to the low for weakness.
Basics
Performance
Technical Indicators
Calculated from the price history · as of 08/03/2026
Valuation
Profitability
Balance Sheet & Safety
Growth
Dividend
This stock currently pays no dividend.
Quality & Screener
AI Rating
–Not yet rated — we only show a category once an SEC-backed file with at least two cited passages is available. How the Rating Is Built
Growth Score
9 of 10 Growth gemTen checks against the annual reports — each one passed counts a point.
- Revenue grows by more than 15% a year over three years 9.7% failed
- More than 10% revenue growth is expected for the coming year 20.6% passed
- Share count grows by less than 3% a year -32.0% passed
- Revenue growth plus cash-flow margin add up to at least 40 ("Rule of 40") 77.5% passed
- Gross margin at 40% or higher and without meaningful erosion 95.1% passed
- Goodwill from acquisitions does not grow faster than revenue 0.0% passed
- Net debt below twice EBITDA 1.4 x EBITDA passed
- Operating cash flow covers the profits of the last three years 989 m passed
- Return on capital at 15% or higher, or up versus two years ago 28.9% passed
- Insiders hold at least 10% or are net buyers 60.5% passed
A criterion without figures counts neither as passed nor as failed; a score is only produced from 7 judgeable criteria upwards. Source: fundamental data. All ten criteria in detail
Highlighted are things our editorial team noticed: green = stands out as strong, red = deserves a closer look. No single metric is a verdict on its own — always read it in context.
Analysts & Price Target
The price target sits 48.9% above the current price.
- Consensus
- Sell
- Analyst Ratings
- 2
Combined picture of the price targets and recommendations of every analyst covering the stock. Price targets are expectations for the next 12 months, not promises — and they often follow the price rather than predict it.
Estimates by Fiscal Year
| Fiscal Year | EPS Estimate ($) | EPS Range ($) | Revenue Estimate ($M) | Expected Growth | Analysts |
|---|---|---|---|---|---|
| 12/31/2026 | 1.79 | 1.76 – 1.80 | 657 | 12.6% | 4 |
| 12/31/2027 | 2.20 | 1.97 – 2.41 | 790 | 22.6% | 4 |
Average of the analyst estimates for the coming fiscal years. The range shows how far the most optimistic and the most cautious estimate sit apart — the wider it is, the less certain the expectation.
Next Reporting Date
- Expected Earnings per Share
- 0.48 $
Expected date of the next quarterly or annual figures. Dates do shift occasionally — only the invitation issued by the company is binding.
Revenue & Profit
Cash Flow
Balance Sheet
Margins
Per Share
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· Total · per year
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The figures could not be loaded right now.
Source: fundamental data
Quarterly Figures
| Quarter | EPS (Earnings Per Share) | EPS YoY (%) | Sales ($M) | Sales YoY (%) | Net Margin (%) | OCF ($M) | FCF ($M) |
|---|---|---|---|---|---|---|---|
| 2024: Q4 | -0.07 | – | 136 | 2.10 | -4.10 | 95 | 90 |
| 2025: Q1 | -0.13 | -305.40 | 140 | 10.10 | -8.10 | 84 | 79 |
| 2025: Q2 | -0.24 | -777.80 | 142 | 12.80 | -14.60 | 96 | 91 |
| 2025: Q3 | 0.49 | 876.40 | 155 | 13.50 | 26.80 | 105 | 100 |
| 2025: Q4 | 0.20 | – | 159 | 17.30 | 10.60 | 122 | 117 |
| 2026: Q1 | 0.33 | – | 152 | 8.30 | 18.70 | 91 | 86 |
- EPS (Earnings Per Share):
- Quarterly profit divided by the total share count — how much of the profit works out to a single share.
- YoY (Year over Year):
- Change versus the same quarter a year ago — this is how you compare without seasonal distortion (e.g. the holiday shopping season).
- Sales:
- All revenue for the quarter, before any costs are deducted — the top line of the income statement.
- Net Margin:
- What percentage of sales is left over as profit in the end. Negative means the company is posting a loss.
- OCF (Operating Cash Flow):
- The cash that actually flows into the till from the core business during the quarter — harder to dress up than book profit.
- FCF (Free Cash Flow):
- Operating cash flow minus capital expenditures — the money that's genuinely free to use, say for paying down debt, buybacks, or dividends.
Annual Figures
| Fiscal Year | Revenue ($M) | EBIT ($M) | Net Income ($M) | EPS ($) | Operating Cash Flow ($M) | Equity ($M) | Total Assets ($M) |
|---|---|---|---|---|---|---|---|
| 2018 | 54 | 21 | 10 | – | 63 | – | – |
| 2019 | 107 | 33 | 33 | 2.54 | 149 | 37 | 287 |
| 2020 | 291 | 78 | 78 | 0.61 | 192 | 99 | 286 |
| 2021 | 351 | 57 | 26 | 1.93 | 167 | 158 | 502 |
| 2022 | 453 | -6 | 7 | 0.08 | 243 | 0 | 580 |
| 2023 | 509 | 46 | -1 | -0.06 | 296 | 10 | 602 |
| 2024 | 526 | 95 | 7 | 0.36 | 324 | 33 | 641 |
| 2025 | 597 | 193 | 26 | 0.99 | 401 | 58 | 754 |
Fiscal years from the audited annual reports, oldest first. EBIT is the operating profit before interest and taxes; total assets are everything the company owns.
About the Company
OppFi Inc., eine technologiegestützte digitale Finanzplattform, bietet Finanzprodukte und -dienstleistungen für Banken in den USA an.
| Employees | 410 |
|---|---|
| Headquarters | Chicago, IL |
| Address | One Prudential Plaza, 60601 Chicago, United States |
| Phone | 312 212 8079 |
| Website | oppfi.com |
| IPO Date | 20. Nov 2020 |
| ISIN | US68386H1032 |
Management
| Name | Title | Birth Year |
|---|---|---|
| Todd G. Schwartz | Founder, Executive Chairman & CEO | 1983 |
| Theodore G. Schwartz | Co-Founder & Director | 1954 |
| Pamela D. Johnson CPA | CFO & Chief Accounting Officer | 1962 |
| Christopher McKay | Chief Risk & Analytics Officer | 1978 |
| Manuel Chagas | Chief Operating Officer | – |
| Yuri Ter-Saakyants | Chief Technology Officer | – |
| Shaun Smolarz | Head of Investor Relations | – |
| Marv Gurevich | General Counsel & Secretary | – |
| Carrie Hagner | Chief Compliance Officer | – |
| Stephanie Metzger | Chief Marketing & Product Officer | – |
Executives per the latest required filings; titles kept in their original language. Source: fundamental data.
Chart
Interactive price chart (TradingView).
Data as of: July 31, 2026 · Source: fundamental data & SEC filings (annual and quarterly reports, 10-K/10-Q)
Note: pure fact-based analysis, not investment advice and not a solicitation to buy or sell. All figures without guarantee.