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OppFi Inc. logo

OppFi Inc.

OPFI

NYSEFinancial ServicesFinancial - Credit Services

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Previous close

$6.98

−$0.18 · -2.51%

Aug 21, 4:00 PM ET

OPFI company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Hold

Wait — insufficient conviction to act

Valuation

90

Deep Value

Momentum

42

Neutral

Sentiment

65

Bullish

Risk resilience

35

High Risk

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Company profile

Company website

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.

Industry
Financial - Credit Services
Sector
Financial Services
Headquarters
US
CEO
Todd G. Schwartz
Listed since
Nov 20, 2020
Employees
410

Market position

Day range

Current $6.98

52-week range

Current $6.98

Open
$7.22
Previous close
$7.16
Volume
712.62K
0.9× average
Average volume
791.34K
Average daily volume
Market cap
596.04M USD
Beta
1.82
Market reference 1
50-day average
$8.8368
-21.01% below average
200-day average
$9.1507
-23.72% below average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
560.58M USD
EV / EBITDA
2.79×
Earnings yield
9.50%
Free cash flow yield
137.85%

Profitability & efficiency

Return on equity
45.02%
Return on assets
3.49%
Return on invested capital
27.09%

Financial health

Current ratio
7.44×

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends105%66%28%-11%Gross margin, FY2021: 74.56%Gross margin, FY2022: 78.99%Gross margin, FY2023: 78.89%Gross margin, FY2024: 80.00%Gross margin, FY2025: 95.09%Operating margin, FY2021: 16.33%Operating margin, FY2022: -1.40%Operating margin, FY2023: 9.11%Operating margin, FY2024: 17.97%Operating margin, FY2025: 32.37%Net margin, FY2021: 7.29%Net margin, FY2022: 1.57%Net margin, FY2023: -0.20%Net margin, FY2024: 1.38%Net margin, FY2025: 4.41%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 74.56%. Gross margin FY2022 78.99%. Gross margin FY2023 78.89%. Gross margin FY2024 80.00%. Gross margin FY2025 95.09%. Operating margin FY2021 16.33%. Operating margin FY2022 -1.40%. Operating margin FY2023 9.11%. Operating margin FY2024 17.97%. Operating margin FY2025 32.37%. Net margin FY2021 7.29%. Net margin FY2022 1.57%. Net margin FY2023 -0.20%. Net margin FY2024 1.38%. Net margin FY2025 4.41%.

Income trends

Revenue

597.05M USD+13.52%

Operating income

193.25M USD+104.42%

Net income

26.33M USD+262.76%
Income trends across reported periods657.39M USD416.03M USD174.68M USD−66.68M USDRevenue, FY2021: 350.57M USDRevenue, FY2022: 452.86M USDRevenue, FY2023: 508.95M USDRevenue, FY2024: 525.96M USDRevenue, FY2025: 597.05M USDOperating income, FY2021: 57.26M USDOperating income, FY2022: −6.34M USDOperating income, FY2023: 46.36M USDOperating income, FY2024: 94.54M USDOperating income, FY2025: 193.25M USDNet income, FY2021: 25.55M USDNet income, FY2022: 7.1M USDNet income, FY2023: −1.01M USDNet income, FY2024: 7.26M USDNet income, FY2025: 26.33M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 350.57M USD. Revenue FY2022 452.86M USD. Revenue FY2023 508.95M USD. Revenue FY2024 525.96M USD. Revenue FY2025 597.05M USD. Operating income FY2021 57.26M USD. Operating income FY2022 −6.34M USD. Operating income FY2023 46.36M USD. Operating income FY2024 94.54M USD. Operating income FY2025 193.25M USD. Net income FY2021 25.55M USD. Net income FY2022 7.1M USD. Net income FY2023 −1.01M USD. Net income FY2024 7.26M USD. Net income FY2025 26.33M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue597.05M USD525.96M USD508.95M USD452.86M USD350.57M USD
Cost of goods sold29.34M USD105.18M USD107.43M USD95.14M USD89.17M USD
Gross profit567.71M USD420.78M USD401.52M USD357.72M USD261.4M USD
Research and development—21.17M USD———
Selling, general, and administrative87.58M USD89.87M USD86.66M USD87.54M USD88.94M USD
Operating expenses374.46M USD326.24M USD355.16M USD364.06M USD204.14M USD
Interest income597.05M USD————
Interest expense39.37M USD182.23M USD46.75M USD35.16M USD137K USD
Depreciation and amortization5.16M USD9.62M USD12.74M USD13.58M USD10.28M USD
Operating income193.25M USD94.54M USD46.36M USD−6.34M USD57.26M USD
Net income26.33M USD7.26M USD−1.01M USD7.1M USD25.55M USD

Company facts updated Aug 24, 2026.

Analyst ratings

Third-party consensus; not a GoAI recommendation.

Rating distribution

6 ratings
Strong buy00%
Buy467%
Hold233%
Sell00%
Strong sell00%

Corporate actions

Annual dividends per share

Cash distributions grouped by calendar year; partial years are marked.

$0.25

2025 complete year+108.3% since 2024

Corporate action history

Dividend

Ex-dividend Apr 8, 2025

$0.25

Special

Record Apr 8, 2025 · Payment Apr 18, 2025

Dividend

Ex-dividend Apr 18, 2024

$0.12

Special

Record Apr 19, 2024 · Payment May 1, 2024

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ETFs holding OPFI

Funds reporting this stock among their holdings, ordered by reported position size.

Vanguard Morningstar Total Stock Market ETF logoVanguard Morningstar Total Stock Market ETFVTI
Market value
16.59M
Weight
0.00%
AUM
2.3T USD
Expense ratio
0.03%
Price / 1D
$378.24+0.44%
iShares Russell 2000 ETF logoiShares Russell 2000 ETFIWM
Market value
5M
Weight
0.01%
AUM
81.62B USD
Expense ratio
0.19%
Price / 1D
$299.96+0.77%
Vanguard Extended Market ETF logoVanguard Extended Market ETFVXF
Market value
3.81M
Weight
0.00%
AUM
93.7B USD
Expense ratio
0.05%
Price / 1D
$245.53+0.82%
iShares Russell 2000 Growth ETF logoiShares Russell 2000 Growth ETFIWO
Market value
1.74M
Weight
0.01%
AUM
15.16B USD
Expense ratio
0.24%
Price / 1D
$387.37+1.24%
Vanguard Russell 2000 ETF logoVanguard Russell 2000 ETFVTWO
Market value
1.38M
Weight
0.01%
AUM
17.4B USD
Expense ratio
0.06%
Price / 1D
$121.25+0.74%
First Trust Dow Jones Select MicroCap Index Fund logoFirst Trust Dow Jones Select MicroCap Index FundFDM
Market value
1.35M
Weight
0.32%
AUM
423.22M USD
Expense ratio
0.65%
Price / 1D
$92.96+0.50%
Dimensional - US Small Cap ETF logoDimensional - US Small Cap ETFDFAS
Market value
1.27M
Weight
0.01%
AUM
15.92B USD
Expense ratio
0.26%
Price / 1D
$83.02+0.73%
VictoryShares Small Cap Free Cash Flow ETF logoVictoryShares Small Cap Free Cash Flow ETFSFLO
Market value
937.02K
Weight
0.12%
AUM
778.53M USD
Expense ratio
0.56%
Price / 1D
$39.77+0.63%

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