OppFi Inc. (OPFI) Key Metrics
OPFI valuation today
Trailing 12 months · as of October 18, 2026- Market cap
- $481.4M
- Enterprise value
- $757.6M
- P/E (TTM)
- 2.6 10-yr median 19.0
- Forward P/E
- 3.1
- PEG ratio
- —
- Price / sales
- 1.5 10-yr median 0.4
- Price / book
- 1.3 10-yr median 4.7
- EV / EBITDA
- 1.9 10-yr median 1.8
- Dividend yield
- —
- Beta
- 1.80
OPFI key metrics, 2019–2025
Fiscal year ended December 31, 2025 · U.S. dollarsOPFI valuation Price multiples at each fiscal year-end price.
OPFI returns How much profit the business earns on the capital it uses.
OPFI per-share figures Results divided by the shares outstanding at year-end.
OPFI financial health Debt, liquidity and how easily interest is covered.
OPFI efficiency & capital use Working capital cycle and where the cash goes.
OPFI valuation history
OPFI returns on capital
Net income (ROE, ROA) or after-tax operating income (ROIC) divided by the average of the opening and closing balance.
OPFI debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease liabilities.
OPFI cash returned to shareholders
OPFI price vs earnings per share
OPFI key metrics
2019–2025| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | |
|---|---|---|---|---|---|---|---|
| Valuation | |||||||
| Market capitalization | $277.3M | $154.3M | — | $172.7M | — | $1.30B | — |
| Enterprise value | $560.6M | $425.0M | — | $520.1M | — | $1.44B | — |
| P/E ratio | 10.5 | 21.3 | — | 24.3 | — | 16.7 | — |
| Price / sales | 0.5 | 0.3 | — | 0.4 | — | 4.5 | — |
| Price / book | 4.7 | 4.7 | — | — | — | 13.0 | — |
| Price / free cash flow | 0.7 | 0.5 | — | 0.8 | — | 7.1 | — |
| Price / operating cash flow | 0.7 | 0.5 | — | 0.7 | — | 6.7 | — |
| EV / sales | 0.9 | 0.8 | — | 1.1 | — | 5.0 | — |
| EV / EBITDA | 1.4 | 1.4 | — | 2.1 | — | 14.0 | — |
| EV / free cash flow | 1.5 | 1.4 | — | 2.3 | — | 8.0 | — |
| Earnings yield | 9.5% | 4.7% | — | 4.1% | — | 6.0% | — |
| Free cash flow yield | 137.8% | 201.4% | — | 133.2% | — | 14.0% | — |
| Dividend yield | 23.4% | 1.5% | — | 0.8% | — | 1.2% | — |
| Shareholder yield (dividends + buybacks) | 29.0% | 3.8% | — | 2.2% | — | 1.2% | — |
| Share price at fiscal year-end | $10.46 | $7.66 | $5.12 | $2.05 | $4.54 | $10.18 | — |
| Per share | |||||||
| Revenue per share | $22.52 | $26.11 | — | $5.37 | — | $2.29 | — |
| Earnings per share | $0.99 | $0.36 | — | $0.08 | — | $0.61 | — |
| Operating cash flow per share | $15.14 | $16.07 | — | $2.89 | — | $1.51 | — |
| Free cash flow per share | $14.42 | $15.43 | — | $2.73 | — | $1.43 | — |
| Cash per share | $1.87 | $3.05 | — | $0.19 | — | $0.20 | — |
| Book value per share | $2.21 | $1.63 | — | −$0.01 | — | $0.78 | — |
| Tangible book value per share | $2.21 | $1.63 | — | −$0.01 | — | $0.78 | — |
| Dividends per share | $2.45 | $0.12 | — | $0.02 | — | $0.12 | — |
| Capex per share | $0.72 | $0.65 | — | $0.16 | — | $0.08 | — |
| Debt per share | $12.55 | $16.48 | — | $4.32 | — | $1.37 | — |
| Shares outstanding | 26.5M | 20.1M | — | 84.3M | — | 127.3M | — |
| Change in shares outstanding | +31.6% | — | — | — | — | — | — |
| Returns & profitability | |||||||
| Return on equity (ROE) | 57.7% | 33.6% | −20.2% | — | 19.9% | 113.3% | 88.1% |
| Return on invested capital (ROIC) | 111.1% | 28.5% | 13.0% | −1.6% | 16.9% | 23.7% | 6.7% |
| Return on assets (ROA) | 3.8% | 1.2% | −0.2% | 1.3% | 6.5% | 27.1% | 11.5% |
| Return on tangible assets | 3.5% | 1.1% | −0.2% | 1.2% | 5.1% | 27.1% | 11.5% |
| Free cash flow margin | 64.0% | 59.1% | 56.4% | 50.8% | 43.6% | 62.3% | 132.6% |
| Income quality (OCF / net income) | 15.24 | 44.61 | — | 34.28 | 6.55 | 2.48 | 4.51 |
| Financial health | |||||||
| Total debt | $332.8M | $332.1M | $349.2M | $363.6M | $296.5M | $174.1M | $223.9M |
| Cash & short-term investments | $49.5M | $61.3M | $31.8M | $16.2M | $25.1M | $25.6M | $16.8M |
| Net debt | $283.3M | $270.7M | $317.4M | $347.4M | $271.4M | $148.5M | $207.1M |
| Debt / equity | 5.69 | 10.13 | 33.45 | — | 1.88 | 1.75 | 5.98 |
| Debt / assets | 0.44 | 0.52 | 0.58 | 0.63 | 0.59 | 0.61 | 0.78 |
| Net debt / EBITDA | 0.73 | 0.88 | 1.09 | 1.42 | 2.70 | 1.43 | 48.38 |
| Current ratio | 7.44 | 9.43 | 10.48 | 9.24 | 7.75 | 6.03 | 1.09 |
| Quick ratio | 7.44 | 9.43 | 11.30 | 9.24 | 7.75 | 6.03 | 1.09 |
| Interest coverage | 9.7 | 0.5 | 1.0 | -0.2 | 417.9 | 4.0 | 1.6 |
| Working capital | $553.5M | $504.2M | $487.8M | $455.0M | $392.3M | $223.5M | $1.4M |
| Invested capital | $341.8M | $303.5M | $327.8M | $346.9M | $429.3M | $247.9M | $244.6M |
| Tangible asset value | $308.9M | $234.2M | $194.0M | $159.2M | $157.9M | $99.3M | $37.4M |
| Net current asset value | $194.3M | $157.1M | $131.8M | $89.5M | $106.2M | $81.4M | −$232.4M |
| Graham number | $7.02 | $3.63 | — | — | — | $3.27 | — |
| Graham net-net per share | $0.52 | $0.56 | — | −$0.71 | — | $0.05 | — |
| Capital allocation | |||||||
| Dividends paid | $64.9M | $2.4M | $10.2M | $1.3M | $51.0M | $15.8M | $9.5M |
| Share buybacks (net) | $15.5M | $3.6M | $280,000 | $2.5M | $0 | $0 | — |
| Dividend payout ratio | 246.5% | 32.7% | — | 18.4% | 199.7% | 20.4% | 28.7% |
| Dividends + buybacks / free cash flow | 21.0% | 1.9% | 3.7% | 1.6% | 33.4% | 8.7% | 6.7% |
| Capex / revenue | 3.2% | 2.5% | 1.8% | 2.9% | 4.1% | 3.7% | 6.2% |
| Capex / operating cash flow | 4.8% | 4.0% | 3.0% | 5.4% | 8.6% | 5.6% | 4.5% |
| Capex / depreciation | 3.70 | 1.35 | 0.71 | 0.98 | 1.40 | 1.59 | 1.55 |
| Stock-based compensation / revenue | 1.7% | 1.0% | 0.8% | 0.7% | 0.9% | 0.0% | 0.1% |
| R&D / revenue | — | 4.0% | 4.8% | 5.7% | 5.5% | 4.7% | 7.8% |
| SG&A / revenue | 15.4% | 17.1% | 17.0% | 19.3% | 25.4% | 13.1% | 27.3% |
| Efficiency | |||||||
| Days sales outstanding | 312.4 | 326.5 | 331.8 | 341.8 | 317.7 | 288.0 | 806.3 |
| Days of inventory on hand | — | — | -143.2 | — | — | — | — |
| Days payables outstanding | 6.7 | 9.2 | 18.3 | 23.9 | 15.3 | 25.3 | 73.2 |
| Cash conversion cycle (days) | 305.7 | 317.3 | 170.3 | 317.9 | 302.4 | 262.7 | 733.0 |
| Receivables turnover | 1.17 | 1.12 | 1.10 | 1.07 | 1.15 | 1.27 | 0.45 |
| Payables turnover | 54.80 | 39.54 | 19.93 | 15.30 | 23.84 | 14.42 | 4.98 |
| Asset turnover | 0.86 | 0.85 | 0.86 | 0.84 | 0.89 | 1.02 | 0.37 |
| Average receivables | $511.0M | $470.5M | $462.6M | $424.0M | $305.2M | $229.6M | $237.0M |
| Average payables | $1.8M | $2.7M | $5.4M | $6.2M | $3.7M | $3.1M | $4.8M |
| Average inventory | — | — | −$42.2M | — | — | — | — |
| Intangibles / total assets | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
Computed from OPFI's annual financial statements (latest annual report filed March 12, 2026) and the closing share price on each fiscal year-end, adjusted for stock splits. Figures in U.S. dollars; data from EODHD. Averages use the opening and closing balance of each year.
OPFI valuation and financial ratios
At the end of fiscal 2025 (December 31, 2025), OppFi traded at 10.5 times earnings, against a 7-year median of 19.0. Based on the latest twelve months, the trailing P/E is 2.6 and the forward P/E is 3.1. OppFi earned a return on equity of 57.7% and a return on invested capital of 111.1% in fiscal 2025. It ended the year with $332.8 million of debt and $49.5 million in cash and short-term investments, net debt of $283.3 million. It returned $80.4 million to shareholders: $64.9 million in dividends and $15.5 million in share buybacks, 21% of free cash flow.
See the OPFI income statement, the OPFI chart for price history, or the OPFI stock overview for the latest quote and news.
OPFI key metrics FAQ
What is OppFi's P/E ratio?
OppFi's trailing P/E ratio is 2.6 based on the last twelve months of earnings (as of October 18, 2026), and its forward P/E is 3.1. At the end of fiscal 2025 it was 10.5, compared with a 7-year median of 19.0.
What is OppFi's EV/EBITDA?
OppFi's enterprise value was 1.4 times EBITDA at the end of fiscal 2025 (enterprise value $560.6 million, EBITDA $387.7 million); the current EV/EBITDA is 1.9.
What is OppFi's return on equity?
OppFi's return on equity (ROE) was 57.7% in fiscal 2025: net income of $26.3 million on average shareholders' equity of $45.6 million.
What is OppFi's ROIC?
OppFi's return on invested capital was 111.1% in fiscal 2025, using after-tax operating income divided by average debt plus equity minus cash.
How much debt does OppFi have?
OppFi had total debt of $332.8 million at the end of fiscal 2025, a debt-to-equity ratio of 5.69 and $283.3 million of net debt (0.73 times EBITDA).
What is OppFi's dividend yield?
OppFi paid $64.9 million in dividends in fiscal 2025 ($2.45 per share), a payout ratio of 246.5%.
Does OppFi buy back its shares?
Yes. OppFi spent $15.5 million on net share repurchases in fiscal 2025 Shares outstanding changed +31.6% over the year, to 26.5M..
What is OppFi's free cash flow yield?
OppFi generated $382.2 million of free cash flow in fiscal 2025, a free cash flow yield of 137.8% on its market value at year-end ($277.3 million).
What is OppFi's current ratio?
OppFi's current ratio was 7.44 at the end of fiscal 2025: current assets were 7.44 times current liabilities.