OPFI Stock Overview
A tech-enabled specialty finance platform that broadens the reach of community banks to extend credit access to everyday Americans. More details
| Snowflake Score | |
|---|---|
| Valuation | 1/6 |
| Future Growth | 5/6 |
| Past Performance | 1/6 |
| Financial Health | 3/6 |
| Dividends | 1/6 |
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OppFi Inc. Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | US$7.23 |
| 52 Week High | US$8.54 |
| 52 Week Low | US$2.35 |
| Beta | 1.47 |
| 1 Month Change | 1.83% |
| 3 Month Change | 65.07% |
| 1 Year Change | 55.48% |
| 3 Year Change | 49.07% |
| 5 Year Change | n/a |
| Change since IPO | -26.60% |
Recent News & Updates
Recent updates
OppFi: Double-Digit Discount And Savvy Debt Usage Justify A Buy
Dec 20Market Participants Recognise OppFi Inc.'s (NYSE:OPFI) Earnings Pushing Shares 27% Higher
Oct 23
OppFi: This Fintech Could Have More To Rally
Oct 07OppFi Inc.'s (NYSE:OPFI) Subdued P/E Might Signal An Opportunity
Aug 04OppFi: 83% Of Earnings Go To Non-Controlling Interest
Jul 19OppFi: Cheaply Valued But Persistent Risks Remain
Jun 15OppFi's High Debt Raises Long-Term Concerns
Dec 18OppFi: Dirt Cheap With Two Caveats
Nov 12OppFi: Growth Impressive As It's Still In The Early Stages
Aug 28OppFi: Is This Lending Platform A Buy?
Aug 19Where Is OppFi Going?
Nov 13OppFi expects Q3 revenue beat, reiterates 2022 outlook amid strong demand
Oct 25OppFi: Subprime Lender Faces The Specter Of A Recession
Jul 01OppFi Inc.: A Potential Bottom
Apr 08OppFi Stock: Trading At Compressed Multiples, But Cheap Can Become Cheaper
Jan 17OppFi: Dipping A Toe In The Water At Under $5
Dec 20OppFi: Crazy Things Are Happening
Dec 13OppFi: A Real Fintech Trading Like A Value Stock, 50% Plus Upside
Oct 21Shareholder Returns
| OPFI | US Consumer Finance | US Market | |
|---|---|---|---|
| 7D | -1.5% | -4.0% | -3.5% |
| 1Y | 55.5% | 45.1% | 22.1% |
Return vs Industry: OPFI exceeded the US Consumer Finance industry which returned 45.1% over the past year.
Return vs Market: OPFI exceeded the US Market which returned 22.1% over the past year.
Price Volatility
| OPFI volatility | |
|---|---|
| OPFI Average Weekly Movement | 10.5% |
| Consumer Finance Industry Average Movement | 7.4% |
| Market Average Movement | 6.3% |
| 10% most volatile stocks in US Market | 17.0% |
| 10% least volatile stocks in US Market | 3.1% |
Stable Share Price: OPFI's share price has been volatile over the past 3 months compared to the US market.
Volatility Over Time: OPFI's weekly volatility (10%) has been stable over the past year, but is still higher than 75% of US stocks.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 2012 | 445 | Todd Schwartz | www.oppfi.com |
OppFi Inc. is a tech-enabled specialty finance platform that broadens the reach of community banks to extend credit access to everyday Americans. It supports consumers, who are turned away by mainstream options, to build financial health, through transparency, responsible lending, financial inclusion, and a better customer experience. The company was founded in 2012 and is headquartered in Chicago, Illinois.
OppFi Inc. Fundamentals Summary
| OPFI fundamental statistics | |
|---|---|
| Market cap | US$622.47m |
| Earnings (TTM) | US$7.30m |
| Revenue (TTM) | US$260.66m |
21.0x
P/E Ratio0.6x
P/S RatioIs OPFI overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| OPFI income statement (TTM) | |
|---|---|
| Revenue | US$260.66m |
| Cost of Revenue | US$0 |
| Gross Profit | US$260.66m |
| Other Expenses | US$253.36m |
| Earnings | US$7.30m |
Last Reported Earnings
Sep 30, 2024
Next Earnings Date
n/a
| Earnings per share (EPS) | 0.34 |
| Gross Margin | 100.00% |
| Net Profit Margin | 2.80% |
| Debt/Equity Ratio | 147.8% |
How did OPFI perform over the long term?
See historical performance and comparisonDividends
1.7%
Current Dividend Yieldn/a
Payout RatioCompany Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2024/12/20 22:39 |
| End of Day Share Price | 2024/12/20 00:00 |
| Earnings | 2024/09/30 |
| Annual Earnings | 2023/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
| |
| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
| |
| Key Developments | 10 years |
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* example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.
Analysis Model and Snowflake
Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.
Learn about the world class team who designed and built the Simply Wall St analysis model.
Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .
Analyst Sources
OppFi Inc. is covered by 8 analysts. 3 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| null null | D.A. Davidson & Co. |
| Christopher Brendler | D.A. Davidson & Co. |
| David Scharf | JMP Securities |