OppFi Inc. operates a financial technology platform that allows banks to offer lending products.
Price History & Performance
|Historical stock prices|
|Current Share Price||US$8.15|
|52 Week High||US$6.01|
|52 Week Low||US$11.06|
|1 Month Change||22.19%|
|3 Month Change||n/a|
|1 Year Change||n/a|
|3 Year Change||n/a|
|5 Year Change||n/a|
|Change since IPO||-22.01%|
Recent News & Updates
|OPFI||US Consumer Finance||US Market|
Return vs Industry: Insufficient data to determine how OPFI performed against the US Consumer Finance industry.
Return vs Market: Insufficient data to determine how OPFI performed against the US Market.
Stable Share Price: OPFI is more volatile than 75% of US stocks over the past 3 months, typically moving +/- 13% a week.
Volatility Over Time: Insufficient data to determine OPFI's volatility change over the past year.
About the Company
OppFi Inc. operates a financial technology platform that allows banks to offer lending products. Its platform facilitates the installment loan products, OppLoans and SalaryTap; and the credit card product, OppFi Card. The company is based in Chicago, Illinois.
OppFi Fundamentals Summary
|OPFI fundamental statistics|
Is OPFI overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|OPFI income statement (TTM)|
|Cost of Revenue||US$0|
Last Reported Earnings
Jun 30, 2021
Next Earnings Date
|Earnings per share (EPS)||0.71|
|Net Profit Margin||35.09%|
How did OPFI perform over the long term?See historical performance and comparison
Is OppFi undervalued compared to its fair value and its price relative to the market?
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: OPFI ($8.15) is trading below our estimate of fair value ($82.23)
Significantly Below Fair Value: OPFI is trading below fair value by more than 20%.
Price To Earnings Ratio
PE vs Industry: OPFI is poor value based on its PE Ratio (11.5x) compared to the US Consumer Finance industry average (7.9x).
PE vs Market: OPFI is good value based on its PE Ratio (11.5x) compared to the US market (17.9x).
Price to Earnings Growth Ratio
PEG Ratio: OPFI is poor value based on its PEG Ratio (8x)
Price to Book Ratio
PB vs Industry: OPFI is overvalued based on its PB Ratio (5.3x) compared to the US Consumer Finance industry average (1.7x).
How is OppFi forecast to perform in the next 1 to 3 years based on estimates from 6 analysts?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: OPFI's forecast earnings growth (1.4% per year) is below the savings rate (2%).
Earnings vs Market: OPFI's earnings (1.4% per year) are forecast to grow slower than the US market (14.9% per year).
High Growth Earnings: OPFI's earnings are forecast to grow, but not significantly.
Revenue vs Market: OPFI's revenue (39.9% per year) is forecast to grow faster than the US market (9.8% per year).
High Growth Revenue: OPFI's revenue (39.9% per year) is forecast to grow faster than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: Insufficient data to determine if OPFI's Return on Equity is forecast to be high in 3 years time
How has OppFi performed over the past 5 years?
Last years earnings growth
Earnings and Revenue History
Quality Earnings: OPFI has high quality earnings.
Growing Profit Margin: OPFI's current net profit margins (35.1%) are lower than last year (37.4%).
Past Earnings Growth Analysis
Earnings Trend: Insufficient data to determine if OPFI's year-on-year earnings growth rate was positive over the past 5 years.
Accelerating Growth: Insufficient data to compare OPFI's past year earnings growth to its 5-year average.
Earnings vs Industry: OPFI earnings growth over the past year (41.2%) underperformed the Consumer Finance industry 126.5%.
Return on Equity
High ROE: Whilst OPFI's Return on Equity (43.91%) is outstanding, this metric is skewed due to their high level of debt.
How is OppFi's financial position?
Financial Position Analysis
Short Term Liabilities: OPFI's short term assets ($417.3M) exceed its short term liabilities ($61.6M).
Long Term Liabilities: OPFI's short term assets ($417.3M) exceed its long term liabilities ($198.3M).
Debt to Equity History and Analysis
Debt Level: OPFI's debt to equity ratio (130.1%) is considered high.
Reducing Debt: Insufficient data to determine if OPFI's debt to equity ratio has reduced over the past 5 years.
Debt Coverage: OPFI's debt is well covered by operating cash flow (77.2%).
Interest Coverage: Insufficient data to determine if OPFI's interest payments on its debt are well covered by EBIT.
What is OppFi current dividend yield, its reliability and sustainability?
Dividend Yield vs Market
Notable Dividend: Unable to evaluate OPFI's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.
High Dividend: Unable to evaluate OPFI's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.
Stability and Growth of Payments
Stable Dividend: Insufficient data to determine if OPFI's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if OPFI's dividend payments have been increasing.
Current Payout to Shareholders
Dividend Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: No need to calculate the sustainability of OPFI's dividend in 3 years as they are not forecast to pay a notable one for the US market.
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Mr. Jared Kaplan has been Chief Executive Officer at OppFi Inc. since November 2015 and serves as its Director. Prior to joining OppFi, Mr. Kaplan was a co-founder and Executive Vice President of Insureon,...
CEO Compensation Analysis
Compensation vs Market: Jared's total compensation ($USD964.46K) is below average for companies of similar size in the US market ($USD2.33M).
Compensation vs Earnings: Insufficient data to compare Jared's compensation with company performance.
Experienced Management: OPFI's management team is considered experienced (4.1 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Dilution of Shares: OPFI only recently listed within the past 12 months.
OppFi Inc.'s employee growth, exchange listings and data sources
- Name: OppFi Inc.
- Ticker: OPFI
- Exchange: NYSE
- Founded: NaN
- Industry: Consumer Finance
- Sector: Diversified Financials
- Implied Market Cap: US$896.213m
- Market Cap: US$109.736m
- Shares outstanding: 109.96m
- Website: https://www.oppfi.com
Number of Employees
- OppFi Inc.
- 130 East Randolph Street
- Suite 3400
- United States
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2021/09/25 02:25|
|End of Day Share Price||2021/09/24 00:00|
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.