OPFI Stock Price, OppFi Inc. Quote, Chart

Market Summary

USD2.90+0.06

Delayed

2.11%

OPFI Alerts

Big jump in Earnings (Y/Y)

OPFI Stock Price

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OPFI RSI Chart

OPFI Valuation

Market Cap

322.7M

Price/Earnings (Trailing)

75.37

Price/Sales (Trailing)

0.63

EV/EBITDA

2.23

Price/Free Cashflow

1.06

OPFI Price/Sales (Trailing)

OPFI Profitability

EBT Margin

9.36%

Return on Equity

2.17%

Return on Assets

0.76%

Free Cashflow Yield

94.51%

OPFI Fundamentals

OPFI Revenue

Revenue (TTM)

515.9M

Rev. Growth (Yr)

5.79%

Rev. Growth (Qtr)

-4.2%

OPFI Earnings

Earnings (TTM)

4.3M

Earnings Growth (Yr)

2.1K%

Earnings Growth (Qtr)

199.46%

Breaking Down OPFI Revenue

Last 7 days

-3.6%

Last 30 days

-0.7%

Last 90 days

-22.2%

Trailing 12 Months

27.8%

How does OPFI drawdown profile look like?

OPFI Financial Health

Current Ratio

0.28

OPFI Investor Care

Shares Dilution (1Y)

1.34%

Diluted EPS (TTM)

0.02

Historical Charts for Stock Metrics

Get all data in R, Python etc through our Historical Stock Data APIs

Net sales

Year	Q1	Q2	Q3	Q4
2024	515.9M	0	0	0
2023	472.5M	487.1M	496.1M	508.9M
2022	367.0M	396.5M	428.8M	452.9M
2021	300.6M	317.7M	346.9M	350.6M
2020	244.6M	260.1M	275.5M	291.0M
2019	0	0	0	229.1M
2018	0	0	0	114.2M

Get all data in R, Python etc through our Historical Stock Data APIs

Tracking the Latest Insider Buys and Sells of OppFi Inc.

Filter Transactions

Datesorted ascending	Name	Buy/Sell	$ Value	Avg. Price	# Shares	Title
Apr 26, 2024	schwartz todd g.	back to issuer	-	-	-100,000	chief executive officer
Apr 18, 2024	schwartz todd g.	back to issuer	-	-	-134,090	chief executive officer
Apr 15, 2024	johnson pamela d.	sold (taxes)	-26,236	3.2	-8,199	cfo
Apr 15, 2024	mckay christopher j.	sold (taxes)	-28,208	3.2	-8,815	chief risk & analytics officer
Apr 15, 2024	johnson pamela d.	acquired	-	-	1,041	cfo
Apr 15, 2024	mckay christopher j.	acquired	-	-	3,850	chief risk & analytics officer
Apr 01, 2024	johnson pamela d.	acquired	-	-	107,752	cfo
Apr 01, 2024	mckay christopher j.	acquired	-	-	129,386	chief risk & analytics officer
Mar 13, 2024	schwartz todd g.	back to issuer	-	-	-22,900	chief executive officer
Mar 01, 2024	schwartz todd g.	back to issuer	-	-	-57,478	chief executive officer

Which funds bought or sold OPFI recently?

View All Details

Datesorted ascending	Fund Name	Type	% Chg	$ Change	$ Held	% Portfolio
May 16, 2024	JANE STREET GROUP, LLC	reduced	-26.01	-87,255	49,357	-%
May 16, 2024	CALIFORNIA STATE TEACHERS RETIREMENT SYSTEM	reduced	-31.00	-6,013	3,055	-%
May 15, 2024	MILLENNIUM MANAGEMENT LLC	added	42.16	-71,150	161,472	-%
May 15, 2024	AQR CAPITAL MANAGEMENT LLC	new	-	75,488	75,488	-%
May 15, 2024	Point72 Asset Management, L.P.	sold off	-100	-20,273	-	-%
May 15, 2024	D. E. Shaw & Co., Inc.	added	28.13	-156,007	55,625	-%
May 15, 2024	CITADEL ADVISORS LLC	reduced	-99.6	-448,815	875	-%
May 15, 2024	ZACKS INVESTMENT MANAGEMENT	new	-	96,463	96,463	-%
May 15, 2024	GOLDMAN SACHS GROUP INC	added	45.35	-37,672	92,115	-%
May 15, 2024	Royal Bank of Canada	added	199	6,000	18,000	-%

Are Funds Buying or Selling OPFI?

Are funds buying OPFI calls or puts?

Calls

Puts

No. of funds holding Calls - Puts

Net Call Options

No. of funds that own OPFI

No. of Funds

OPFI Alerts

Big jump in Earnings (Y/Y)

Unveiling OppFi Inc.'s Major ShareHolders

Date Filed	Name of Filer	Percent of Class	No. of Shares	Form Type
Feb 14, 2024	ionic capital management llc	2.1%	380,520	SC 13G/A
Feb 14, 2024	walleye capital llc	4.84%	858,150	SC 13G/A
Feb 12, 2024	lmr partners llp	7.3%	1,391,847	SC 13G/A
Feb 15, 2023	walleye capital llc	5.59%	858,085	SC 13G
Feb 14, 2023	ionic capital management llc	7.5%	1,155,693	SC 13G
Feb 14, 2023	lmr partners llp	4.6%	695,923	SC 13G/A
Jan 27, 2023	linden capital l.p.	0.0%	0	SC 13G/A
Apr 12, 2022	lmr partners llp	2.9%	408,749	SC 13G
Feb 14, 2022	gilder gagnon howe & co llc	1.6%	219,487	SC 13G/A
Feb 14, 2022	glazer capital, llc	0.0%	0	SC 13G/A

Recent SEC filings of OppFi Inc.

View All Filings

Date Filed	Form Type	Document
May 16, 2024	4	Insider Trading
May 16, 2024	4	Insider Trading
May 15, 2024	4	Insider Trading
May 09, 2024	10-Q	Quarterly Report
May 08, 2024	8-K	Current Report
Apr 30, 2024	4	Insider Trading
Apr 26, 2024	ARS	ARS
Apr 26, 2024	DEF 14A	DEF 14A
Apr 26, 2024	DEFA14A	DEFA14A
Apr 22, 2024	4	Insider Trading

Peers (Alternatives to OppFi Inc.)

Name	Mkt Capsorted ascending	Revenue	Price %, 1M	Returns, 1Y	P/E	P/S	Rev 1-Yr	Inc 1-Yr
LARGE-CAP
MA	429.6B	25.7B	0.06%	17.45%	36.27	16.72	12.62%	22.62%
AXP	174.7B	62.0B	11.59%	58.26%	19.42	2.82	11.96%	24.39%
PYPL	67.4B	30.4B	1.93%	5.24%	15.54	2.22	8.39%	60.41%
COF	54.2B	43.4B	3.71%	42.95%	13.96	1.25	26.76%	-52.19%
DFS	31.4B	17.8B	4.61%	24.66%	13.9	1.76	38.72%	-44.91%
ALLY	12.2B	14.3B	10.64%	47.10%	14.22	0.86	22.92%	-37.74%
MID-CAP
CACC	6.0B	2.0B	-6.68%	13.52%	23.99	3.08	6.86%	-40.40%
FCFS	5.3B	3.2B	-9.34%	13.89%	22.91	1.66	13.90%	-14.51%
WU	4.4B	4.4B	2.66%	5.54%	7.21	1.02	0.29%	-19.79%
NNI	4.1B	1.1B	17.27%	16.15%	29.63	3.68	26.09%	-44.07%
SMALL-CAP
ENVA	1.7B	2.2B	5.37%	34.20%	9.77	0.75	22.40%	-16.16%
ATLC	357.4M	1.2B	-5.44%	-21.25%	3.48	0.3	9.96%	-11.98%
CPSS	181.0M	360.7M	1.53%	-18.77%	5.01	0.5	6.56%	-54.11%
AIHS	8.6M	7.3M	11.11%	2.26%	-2.23	1.18	-51.06%	-195.09%
CURO	2.5M	853.2M	-12.50%	-95.07%	-0.01	0	-15.13%	-1364.54%

OppFi Inc. News

Latest updates

OppFi Inc. Earnings Report: Key Takeaways & Analysis

Income Statement (Last 12 Months)

(In Thousands)

(*) denotes actual numbers (not divided by Thousands)
Income Statement (Quarterly)																			(In Thousands)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2018Q4
Revenue	-4.2%	127	133	133	122	120	120	124	108	101	96.00	92.00	78.00	84.00	92.00	63.00	61.00	-	-	-
S&GA Expenses	-100.0%	-	3.00	4.00	3.00	3.00	3.00	3.00	3.00	3.00	3.00	4.00	5.00	2.00	1.00	2.00	2.00	-	-	-
EBITDA Margin	5.5%	0.20*	0.19*	0.18*	0.14*	0.12*	0.11*	0.16*	0.24*	0.28*	0.35*	0.31*	0.32*	0.35*	0.36*	0.21*	0.22*	0.23*	0.25*	-
Interest Expenses	-2.7%	11.00	11.00	11.00	11.00	10.00	10.00	8.00	7.00	7.00	6.00	6.00	5.00	5.00	4.00	0.00	-	-	-	-
Income Taxes	-61.9%	0.00	1.00	0.00	1.00	0.00	-2.03	1.00	0.00	1.00	-0.39	1.00	-	-	-	-	-	-	-	-
Earnings Before Taxes	257.7%	11.00	3.00	16.00	19.00	4.00	-7.21	0.00	10.00	0.00	17.00	31.00	18.00	24.00	-	19.00	-	-	-	-
EBT Margin	13.8%	0.09*	0.08*	0.06*	0.03*	0.01*	0.01*	0.06*	0.15*	0.18*	0.26*	0.22*	0.24*	0.26*	0.27*	0.12*	0.13*	0.13*	0.14*	-
Net Income	199.5%	6.00	-5.57	2.00	2.00	0.00	3.00	-0.57	3.00	1.00	-9.76	14.00	18.00	24.00	-5.61	19.00	25.00	-	-	-
Net Income Margin	520.2%	0.01*	0.00*	0.02*	0.01*	0.01*	0.02*	-0.01*	0.02*	0.06*	0.13*	0.15*	0.18*	0.21*	0.27*	0.12*	0.13*	0.13*	0.14*	-
Free Cashflow	-9.8%	74.00	83.00	75.00	73.00	66.00	71.00	69.00	58.00	45.00	47.00	35.00	39.00	45.00	24.00	-	-	-	-	-

Balance Sheet

(In Millions)

(*) denotes actual numbers (not divided by Millions)
Balance Sheet																(In Millions)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2019Q4
Assets	-6.4%	563	602	601	577	560	580	580	578	513	502	441	437	244	286	286	287
Current Assets	-	-	-	-	-	-	-	-	-	-	-	-	0.00	1.00	1.00	2.00	-
Cash Equivalents	179.1%	89.00	32.00	31.00	27.00	32.00	16.00	50.00	58.00	60.00	62.00	28.00	121	96.00	46.00	44.00	36.00
Net PPE	-5.8%	10.00	10.00	11.00	12.00	13.00	14.00	15.00	15.00	15.00	15.00	14.00	13.00	-	11.00	-	7.00
Liabilities	-10.2%	366	408	411	400	396	421	415	413	356	344	302	260	25.00	187	218	249
Current Liabilities	-	-	-	-	-	-	-	-	-	-	-	-	2.00	1.00	0.00	2.00	-
Shareholder's Equity	1789.8%	197	10.00	11.00	177	164	159	165	165	157	158	-	5.00	5.00	99.00	6.00	-
Retained Earnings	8.7%	-58.04	-63.59	-58.52	-60.99	-63.29	-63.55	-66.68	-66.16	-70.69	-70.72	-82.18	170	11.00	92.00	0.00	31.00
Additional Paid-In Capital	2.9%	79.00	76.00	72.00	71.00	67.00	66.00	66.00	64.00	62.00	62.00	59.00	1.00	16.00	0.00	6.00	0.00
Shares Outstanding	17.2%	19.00	16.00	17.00	15.00	15.00	14.00	14.00	14.00	14.00	13.00	13.00	11.00	9.00	7.00	5.00	-
Minority Interest	-2.4%	179	184	178	170	163	160	169	169	165	167	162	-	-	-	-	-
Float	-	-	-	-	30.00	-	-	-	43.00	-	-	-	249	-	-	-	-

Cashflow (Last 12 Months)

(In Thousands)

(*) denotes actual numbers (not divided by Thousands)
Cashflow (Quarterly)																			(In Thousands)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2018Q4
Cashflow From Operations	-9.8%	74,427	82,558	75,022	72,929	65,637	71,034	69,479	58,053	44,731	47,256	35,253	39,481	45,356	24,207	-	-	-	-	-
Share Based Compensation	0.7%	1,004	997	1,086	845	1,139	963	762	1,050	579	1,840	943	180	49.00	144	-	-	-	-	-
Cashflow From Investing	72.0%	-18,005	-64,309	-76,784	-74,899	-28,300	-73,799	-79,055	-112,146	-52,244	-89,491	-62,101	-43,236	-4,642	-54,659	-36,025	-	-	-	-
Cashflow From Financing	-303.0%	-41,644	-10,333	5,681	-7,296	-15,633	1,966	2,407	51,785	5,097	47,795	-37,129	28,569	9,594	126,088	27.00	-	-	-	-
Buy Backs	-	-	-	-	-	-	-	307	1,116	1,037	-	-	-	-	-	-	-	-	-	-

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OPFI Income Statement

2024-03-31

Consolidated Statements of Operations (Unaudited) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
Revenue:
Interest and loan related income	$ 126,279	$ 119,942
Other revenue	1,064	432
Interest and other income	127,343	120,374
Change in fair value of finance receivables	(64,102)	(63,118)
Provision for credit losses on finance receivables	(27)	(70)
Net revenue	63,214	57,186
Expenses:
Salaries and employee benefits	15,998	14,521
Interest expense and amortized debt issuance costs	11,430	11,371
Direct marketing costs	9,512	10,528
Professional fees	5,481	3,723
Technology costs	3,058	3,166
Exit costs	2,918	0
Depreciation and amortization	2,725	3,391
Payment processing fees	2,086	2,390
Occupancy	942	1,108
Gain On Transfer Of Finance Receivables From Held For Sale To Held For Investment	0	147
General, administrative and other	3,780	3,111
Total expenses	57,930	53,456
Income from operations	5,284	3,730
Other income:
Change in fair value of warrant liabilities	5,171	153
Other income	80	193
Income before income taxes	10,535	4,076
Income tax expense	404	146
Net income	10,131	3,930
Net income attributable to noncontrolling interest	4,594	3,679
Net income attributable to OppFi Inc.	$ 5,537	$ 251
Earnings per common share:
Basic (in dollars per share)	$ 0.29	$ 0.02
Diluted (in dollars per share)	$ 0.10	$ 0.02
Weighted average common shares outstanding:
Basic (in shares)	19,205,427	15,037,326
Diluted (in shares)	86,243,498	15,189,895

OPFI Balance Sheet

2024-03-31

Consolidated Balance Sheets (Unaudited) - USD ($)
$ in Thousands

Mar. 31, 2024

Dec. 31, 2023

Assets

Cash

^[1]

$ 47,183

$ 31,791

Restricted cash

^[1]

41,538

42,152

Total cash and restricted cash

88,721

73,943

Finance receivables at fair value

^[1]

412,038

463,320

Finance receivables at amortized cost, net of allowance for credit losses of $7 and $346 as of March 31, 2024 and December 31, 2023, respectively

48

110

Settlement receivable

^[1]

1,766

1,904

Debt issuance costs, net

^[1]

3,394

3,834

Property, equipment and software, net

9,694

10,292

Operating lease right-of-use assets

11,767

12,180

Deferred tax asset

25,540

25,777

Other assets

^[1]

10,238

10,183

Total assets

563,206

601,543

Liabilities:

Accounts payable

^[1]

3,984

4,442

Accrued expenses

^[1]

20,028

22,006

Operating lease liabilities

14,613

15,061

Senior debt, net

^[1]

300,300

332,667

Notes payable

724

1,449

Warrant liabilities

1,693

6,864

Tax receivable agreement liability

24,572

25,025

Total liabilities

365,914

407,514

Commitments and contingencies (Note 12)

Stockholders' equity:

Preferred stock, $0.0001 par value (1,000,000 shares authorized with no shares issued and outstanding as of March 31, 2024 and December 31, 2023, respectively)

0

Additional paid-in capital

78,669

76,480

Accumulated deficit

(58,044)

(63,591)

Treasury stock at cost, 703,914 shares as of March 31, 2024 and December 31, 2023

(2,460)

Total OppFi Inc.'s stockholders' equity

18,176

10,440

Noncontrolling interest

179,116

183,589

Total stockholders' equity

197,292

194,029

Total liabilities and stockholders' equity

563,206

601,543

Variable Interest Entity, Primary Beneficiary

Assets

Cash

328

368

Restricted cash

32,070

32,782

Total cash and restricted cash

32,398

33,150

Finance receivables at fair value

352,316

417,138

Settlement receivable

1,766

1,904

Debt issuance costs, net

3,394

3,834

Other assets

10

7

Total assets

389,884

456,033

Liabilities:

Accounts payable

3

5

Accrued expenses

3,146

3,614

Senior debt, net

250,736

283,213

Total liabilities

253,885

286,832

Class A Common Stock

Stockholders' equity:

Common stock, value, issued

2

Class B Common Stock

Stockholders' equity:

Common stock, value, issued

0

Class V Voting Stock

Stockholders' equity:

Common stock, value, issued

$ 9

[1]	(1) Includes amounts in consolidated variable interest entities ("VIEs") presented separately in the table below.

About OppFi Inc.

OppFi Inc. operates a financial technology platform that allows banks to offer lending products. Its platform facilitates the OppLoans, an installment loan product; SalaryTap, a payroll deduction secured installment loan product; and OppFi Card, a credit card product. The company was founded in 2012 and is headquartered in Chicago, Illinois.

CEO	Mr. Todd G. Schwartz
WEBSITE	oppfi.com
INDUSTRY	Credit Services
EMPLOYEES	465

OppFi Inc. Frequently Asked Questions

What is the ticker symbol for OppFi Inc.? What does OPFI stand for in stocks?

OPFI is the stock ticker symbol of OppFi Inc.. Every public company that trades on a stock exchange gets a ticker symbol.

What is the market capital of OppFi Inc. (OPFI)?

As of Fri May 17 2024, market cap of OppFi Inc. is 322.65 Million. The market capitalization is calculated by multiplying the stock price with the number of shares outstanding.

What is the fair value of OPFI stock?

You can check OPFI's fair value in chart for subscribers.

What is the fair value of OPFI stock?

You can check OPFI's fair value in chart for subscribers. The fair value of OppFi Inc. is provided for various growth and macro-economic scenarios from very pessimiatic to very optimistic assumptions. These fair values are estimates from Grufity's Fair Value model based on company's past performance. However, past performance of OppFi Inc. is no guarantee of future performance. These fairvalue estimates should only be used as one of the inputs in your stock analysis. We provide model's historical fair value estimates for OPFI so that you know how good or bad the model has been in the past so you can discard it if needed. There are others that provide fair values of stocks such as wallmine, finbox, gurufocus and finviz. Most provide point in time estimates. We provide a history of our models fair value estimates so that you can get a sense of it's usefulness. Otherwise this data point is of little use.

Is OppFi Inc. a good stock to buy?

The fair value guage provides a quick view whether OPFI is over valued or under valued. Whether OppFi Inc. is cheap or expensive depends on the assumptions which impact OppFi Inc.'s fair value. We provide several scenarios of inflation and growth to encompass these range of assumptions for OPFI.

What is OppFi Inc.'s Price to Earnings (PE) and Price to sales (PS) ratio?

As of Fri May 17 2024, OPFI's PE ratio (Price to Earnings) is 75.37 and Price to Sales (PS) ratio is 0.63. The price to earnings and price to sales ratio are two most important valuation metrics for any company. PE ratio tell us the number of years of earnings investors are ready to pay for owning the company. Historically, S&P500 price to earnings ratio has fallen below 12 during periods of gloom and gone past 30 during periods of euphoria. OPFI PE ratio will change depending on the future growth rate expectations of investors.