OPPFI INC

OPFINYSE

🏆 #1736 by market capEarnings Oct 27US Equity

$6.58▼ $1.64 (−24.89%)

Live

1h—

24h▼ 24.9%

7d▼ 33.0%

14d▼ 31.8%

30d▼ 30.4%

1y▼ 39.6%

🏦Market Cap

$562M

Small Cap

📈Revenue Growth (YoY)

+12.9%

Healthy

📊Gross Margin

98.9%

High

💵FCF Margin

63.8%

Strong

⚖️P/S Ratio

2.1x

Cheap

Otter Score

Weak

Trading Snapshot

Day Range: $6.52 – $6.63
52-Week Range: $7.36 – $12.45
Volume: $2.66B
Avg Volume: $2.72B
Shares Outstanding: 85.4M
Next Earnings: Oct 26, 2026

Fundamentals Snapshot

Annual Revenue: $609M
Last Q Revenue: $165M
P/E Ratio: 19.1
P/S Ratio: 2.1x
EPS (TTM): $0.63
Dividend Yield: 0.51%

Why Investors Own OPFI

✓High-growth profile — revenue up +38.6% YoY with expanding US Equity exposure.
✓Healthy economics — 76% gross margin and 19% free-cash-flow margin.
✓New products and segments could unlock additional revenue streams.

⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

Financial Trends

Revenue (TTM)

$609M▲ +37.8% YoY

Gross Margin (TTM)

75.6%▲ +0.7% YoY

Operating Income (TTM)

$202M▲ +37.8% YoY

Free Cash Flow (TTM)

$117M▲ +37.8% YoY

About OPPFI INC

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.

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