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Friday 6 November 2026
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OppFi Inc.
OPFI Financial Credit Services
OppFi Inc.’s revenue for fiscal 2025 (year ended December 2025) was $381.2 million, up 18.6% from fiscal 2024.
- Revenue
- −11.3%
- EPS
- −72.3%
- Free cash flow
- −18.4%
- Total debt
- +8.97%
Quarter to September 2026, against a year earlier
6.13
0.14
−2.23%
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Target Price Range
Analyst price targets
Free accountTen years at a glance Fiscal years to December
| Ten-year view | Analyst estimates Powerpack | |||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Group | Line | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM Sep ’26 | Trend | 10 yrs | 2026e | 2027e | 2028e | Next 3/yr |
| Income, $m | ||||||||||||||||||
| Income, $m | Revenue | — | — | — | 115 | 200 | 264 | 217 | 273 | 321 | 381 | 352 | +22.1% | 605 | 692 | 793 | +27.6% | |
| Gross margin, % | — | — | — | 90.12 | 90.69 | 80.10 | 73.13 | 81.49 | 84.69 | 86.65 | 86.06 | (3.5) pt | ||||||
| EBT | — | — | — | 33 | 78 | 90 | 3 | 42 | 88 | 156 | 164 | +29.6% | ||||||
| EBT margin, % | — | — | — | 28.72 | 38.71 | 34.17 | 1.41 | 15.30 | 27.39 | 40.96 | 46.62 | +12.2 pt | ||||||
| Net income | — | 0 | — | 33 | 78 | 90 | 3 | 39 | 84 | 146 | 143 | n/m | ||||||
| Per share, $ | ||||||||||||||||||
| Per share, $ | Revenue | — | — | — | 0.00 | 1.57 | 19.95 | 15.59 | 16.67 | 15.96 | 14.38 | 4.14 | n/m | |||||
| Earnings | — | — | — | — | (0.01) | 1.93 | 0.51 | (0.06) | 0.36 | 0.99 | 2.30 | n/m | ||||||
| Cash flow | — | — | — | 0.00 | 1.51 | 12.66 | 17.49 | 18.07 | 16.07 | 15.14 | 4.53 | n/m | ||||||
| Capex | — | — | — | 0.00 | (0.08) | (1.09) | (0.95) | (0.55) | (0.65) | (0.72) | (0.22) | n/m | ||||||
| Free cash flow | — | — | — | 0.00 | 1.43 | 11.57 | 16.53 | 17.52 | 15.43 | 14.42 | 4.31 | n/m | ||||||
| Book value | — | — | — | 0.00 | 0.78 | 11.94 | 11.44 | 11.84 | 11.63 | 11.65 | 5.21 | n/m | ||||||
| Shares, m | — | — | — | — | 127 | 13 | 14 | 16 | 20 | 27 | 52 | (26.9%) | ||||||
| Valuation, × | ||||||||||||||||||
| Valuation, × | P/E | — | — | — | 0.00 | 0.00 | 2.59 | 3.88 | 0.00 | 19.15 | 12.60 | 2.72 | 5.5 | |||||
| P/S | — | — | — | 0.00 | 0.00 | 0.23 | 0.13 | 0.28 | 0.48 | 0.76 | 1.51 | 0.3 | ||||||
| P/B | — | — | — | 43,233.76 | 5.83 | 0.38 | 0.18 | 0.40 | 0.66 | 0.93 | 1.20 | 6,177.4 | ||||||
| EV/Sales | — | — | — | 0.00 | 0.00 | 0.95 | 1.49 | 1.23 | 1.20 | 1.33 | — | 0.9 | ||||||
| EV/FCF | — | — | — | 0.00 | 0.00 | 1.63 | 1.40 | 1.17 | 1.24 | 1.32 | — | 1.0 | ||||||
| Cash, $m | ||||||||||||||||||
| Cash, $m | Operating cash flow | — | — | — | 149 | 192 | 167 | 243 | 296 | 324 | 401 | 385 | +18.0% | |||||
| Capex | — | — | — | (7) | (11) | (14) | (13) | (9) | (13) | (19) | (18) | +19.3% | ||||||
| Free cash flow | — | — | — | 142 | 181 | 153 | 230 | 287 | 311 | 382 | 366 | +17.9% | ||||||
| Balance, $m | ||||||||||||||||||
| Balance, $m | Working capital | — | — | — | — | 99 | 142 | 137 | 183 | 215 | 277 | 271 | +23.0% | |||||
| Net debt | — | — | — | — | 96 | 189 | 295 | 259 | 230 | 228 | 209 | +18.8% | ||||||
| Shareholders’ equity | — | — | — | — | 99 | 158 | 159 | 194 | 234 | 309 | 443 | +25.5% | ||||||
| Returns, % | ||||||||||||||||||
| Returns, % | ROA | — | — | — | 0.00 | 54.24 | 6.49 | 1.31 | (0.17) | 1.17 | 3.77 | 12.10 | +3.8 pt | |||||
| ROIC | — | — | — | 0.00 | 24.75 | 10.31 | (0.87) | 6.40 | 12.72 | 19.40 | 12.24 | +19.4 pt | ||||||
| ROE | — | — | — | 0.00 | 185.37 | 20.40 | 4.48 | (0.57) | 3.39 | 9.70 | 26.25 | +9.7 pt | ||||||
| People | ||||||||||||||||||
| People | Employees | — | — | — | — | 3 | 573 | 465 | 445 | 445 | 410 | — | +167.4% | |||||
| Revenue/emp, $m | — | — | — | 0.00 | 66.74 | 0.46 | 0.47 | 0.61 | 0.72 | 0.93 | — | n/m | ||||||
Negative figures in brackets.
estimates
Fiscal years to Dec 2025 · latest quarter Sep 2026 · fundamentals updated 5 Nov 2026
OppFi Inc. vs peers in Credit Services (Q) = latest quarter vs a year earlier
| Company | Market cap | P/E | Fwd P/E | Revenue growth (Q) | EPS growth (Q) | FCF growth (Q) | Gross margin (Q) | EBIT margin (Q) | Compare |
|---|---|---|---|---|---|---|---|---|---|
| PRAA PRA Group, Inc. | $768.8M | — (loss-making) | 5.9× | +29.37% (above 0%: growing) | +40.74% (above 0%: growing) | −172.63% (below 0%: shrinking) | 100.00% | 41.19% | Compare |
| LU Lufax Holding Ltd. Sponsored ADR | $723.6M | — (loss-making) | — (loss-making) | +12.08% (above 0%: growing) | n/m | −108.45% (below 0%: shrinking) | 100.00% | 63.39% | Compare |
| GDOT Green Dot Corporation | $708.9M | — (loss-making) | 58.6× | +18.19% (above 0%: growing) | n/m | +61.21% (above 0%: growing) | 100.00% | (0.13%) | Compare |
| WRLD World Acceptance Corporation | $673.1M | 13.9× | 12.7× | +3.53% (above 0%: growing) | n/m | +9.97% (above 0%: growing) | 100.00% | 16.75% | Compare |
| QFIN Qfin Holdings Inc. - Sponsored ADR | $665.6M | 1.3× | 2.1× | −27.81% (below 0%: shrinking) | −72.53% (below 0%: shrinking) | −55.53% (below 0%: shrinking) | 81.04% | 36.17% | Compare |
| OPFI OppFi Inc. | $534.3M | 2.7× | 3.3× | −11.29% (below 0%: shrinking) | −72.30% (below 0%: shrinking) | −18.42% (below 0%: shrinking) | 85.94% | 0.00% | |
| OPRT Oportun Financial Corporation | $533.5M | 15.3× | 10.1× | +3.18% (above 0%: growing) | +327.27% (above 0%: growing) | +21.79% (above 0%: growing) | 83.30% | 0.00% | Compare |
| FINV PPDAI Group Inc. Sponsored ADR | $376.9M | 2.6× | 3.4× | +0.42% (above 0%: growing) | −31.71% (below 0%: shrinking) | −7,180.65% (below 0%: shrinking) | 78.46% | 17.42% | Compare |
| RM Regional Management Corp. | $336.6M | 7.2× | 7.2× | +8.03% (above 0%: growing) | +9.80% (above 0%: growing) | −5.64% (below 0%: shrinking) | 100.00% | 24.60% | Compare |
| Median of peers | $669.4M | 7.2× | 7.2× | +5.78% | +9.80% | −30.58% | 100.00% | 21.01% |
Pay and ownership Proxy statement filed 28 April 2026
Chief executive’s pay
| Year | Total pay | Actually paid | $100 invested |
|---|---|---|---|
| 2025 | 1.60m | 1.76m | 220.00 |
| 2024 | 297.68k | 297.68k | 156.00 |
Total pay is as the Summary Compensation Table states it; actually paid revalues the year’s share awards
at its end, as the SEC’s pay-versus-performance rule asks. $100 invested is what $100 in the company’s
shares at the start of the earliest year shown was worth at each year’s end.
Read the proxy statement