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| 1 Year | 5 Year | 5 Year Annualized | Since IPO | |
|---|---|---|---|---|
| OPFI | +59.66% | N/A | N/A | +10% |
| S&P | +13.96% | +91.24% | +13.85% | +92% |
OppFi, Inc. operates as financial technology platform, which engages in providing access to credit with digital finance products. Its credit products include payday loans, earned wage access, and similar credit products. The company was founded by Todd G. Schwartz and Theodore Schwartz in 2012 and is headquartered in Chicago, IL.
If you missed OppFi's first big move, this might be your second chance -- hear directly from the CEO about what's next for this rising fintech.
| Q3 2025 | YOY Change | |
|---|---|---|
| Revenue | $155.09M | 13.5% |
| Gross Profit | $149.11M | 15.2% |
| Gross Margin | 96.15% | 1.3% |
| Market Cap | $989.18M | 93.4% |
| Market Cap / Employee | $2.22M | 0.0% |
| Employees | 445 | 0.0% |
| Net Income | $75.93M | 136.9% |
| EBITDA | $97.45M | 84.1% |
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| Q3 2025 | YOY Change | |
|---|---|---|
| Net Cash | $75.19M | 1.3% |
| Inventory | 0 | 0.0% |
| Q3 2025 | YOY Change | |
|---|---|---|
| Long Term Debt | $325.95M | 0.1% |
| Short Term Debt | $11.91M | -13.3% |
| Q3 2025 | YOY Change | |
|---|---|---|
| Return On Assets | 0.58% | -0.6% |
| Return On Invested Capital | 8.92% | -1.4% |
| Q3 2025 | YOY Change | |
|---|---|---|
| Free Cash Flow | $98.22M | 33.3% |
| Operating Free Cash Flow | $103.41M | 33.3% |
| Metric | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | YoY Change |
|---|---|---|---|---|---|
| Price to Earnings | 42.02 | 43.02 | 29.43 | 39.88 | - |
| Price to Book | 18.32 | 23.72 | 53.63 | 73.89 | 116.68% |
| Price to Sales | 0.31 | 0.41 | 0.67 | 1.74 | 852.19% |
| Price to Tangible Book Value | 18.32 | 23.72 | 53.63 | 73.89 | 116.68% |
| Price to Free Cash Flow TTM | 0.53 | 0.71 | 1.15 | 2.86 | 790.87% |
| Enterprise Value to EBITDA | 18.87 | 17.48 | 29.91 | 15.29 | 48.18% |
| Free Cash Flow Yield | 187.3% | 141.4% | 87.2% | 34.9% | -88.78% |
| Return on Equity | 33.6% | -47.4% | -209.5% | 9.2% | -70.86% |
| Total Debt | $335.12M | $304.54M | $322.19M | $337.86M | -0.42% |
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