Oppfi Inc Stock Today

OPFI Stock  USD 9.25  0.37  4.17%   

Performance

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Odds Of Distress

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Low
OppFi is trading at 9.25 as of the 16th of March 2025. This is a 4.17 percent increase since the beginning of the trading day. The stock's open price was 8.88. OppFi has only a 8 % chance of going through financial distress over the next few years but had a somewhat modest performance during the last 90 days. The performance scores are derived for the period starting the 16th of December 2024 and ending today, the 16th of March 2025. Click here to learn more.
Business Domain
Financial Services
IPO Date
20th of November 2020
Classification
Financials
OppFi Inc. operates a financial technology platform that allows banks to offer lending products. Its platform facilitates the OppLoan, an installment loan product SalaryTap, a payroll deduction secured installment loan product and OppFi Card, a credit card product. The company has 110 M outstanding shares of which 5.53 M shares are now shorted by private and institutional investors with about 2.25 trading days to cover. More on OppFi Inc

Moving together with OppFi Stock

  0.63V Visa Class APairCorr
  0.64MA MastercardPairCorr

Moving against OppFi Stock

  0.71TW Tradeweb MarketsPairCorr
Follow Valuation Options Odds of Bankruptcy
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OppFi Stock Highlights

ESG Sustainability
Environmental
Governance
Social
Business ConcentrationAsset Management & Custody Banks, Financial Services, NYSE Composite, Financials, Capital Markets, Software—Application, Technology (View all Sectors)
Average Analyst Recommendation
Financial Strength
Current ValueLast YearChange From Last Year 10 Year Trend
Asset Turnover0.910.8203
Significantly Up
Pretty Stable
Gross Profit Margin0.870.8
Significantly Up
Slightly volatile
Net Debt288.2 M318.8 M
Moderately Down
Slightly volatile
Total Current Liabilities47.4 M59.8 M
Significantly Down
Slightly volatile
Non Current Liabilities Total321.4 M318.8 M
Slightly Up
Slightly volatile
Total Assets531.1 M641.2 M
Significantly Down
Slightly volatile
Total Current Assets430.6 M564 M
Way Down
Slightly volatile
Total Cash From Operating Activities225.4 M323.8 M
Way Down
Slightly volatile
Debt Levels
OppFi can leverage the use of borrowed funds to amplify returns from an investment. In general, analyzing the relationship between debt to total assets helps investors to understand OppFi's financial leverage. It provides some insight into what part of OppFi's total assets is financed by creditors.
Liquidity
OppFi Inc currently holds 318.76 M in liabilities with Debt to Equity (D/E) ratio of 2.14, implying the company greatly relies on financing operations through barrowing. OppFi Inc has a current ratio of 16.36, suggesting that it is liquid enough and is able to pay its financial obligations when due. Note, when we think about OppFi's use of debt, we should always consider it together with its cash and equity.

Total Cashflows From Investing Activities

(188.5 Million)
OppFi Inc (OPFI) is traded on New York Stock Exchange in USA. It is located in One Prudential Plaza, Chicago, IL, United States, 60601 and employs 445 people. OppFi is listed under Asset Management & Custody Banks category by Fama And French industry classification. The company currently falls under 'Mid-Cap' category with a current market capitalization of 1.02 B. OppFi Inc conducts business under Capital Markets sector and is part of Financials industry. The entity has 110 M outstanding shares of which 5.53 M shares are now shorted by private and institutional investors with about 2.25 trading days to cover. OppFi Inc currently holds about 49.67 M in cash with 323.81 M of positive cash flow from operations. This results in cash-per-share (CPS) ratio of 1.72.
Check OppFi Probability Of Bankruptcy
Ownership Allocation
OppFi owns a total of 110 Million outstanding shares. Roughly 83.34 pct. of OppFi outstanding shares are held by general public with 1.95 % owned by insiders and only 14.71 (%) by third-party entities. Please note that no matter how many assets the company maintains, if the real value of the company is less than the current market value, you may not be able to make money on it.
Check OppFi Ownership Details

OppFi Stock Institutional Holders

InstituionRecorded OnShares
Citadel Advisors Llc2024-12-31
291.4 K
Tudor Investment Corp Et Al2024-12-31
276.3 K
State Street Corp2024-12-31
271.7 K
Ameriprise Financial Inc2024-12-31
209.7 K
Bank Of America Corp2024-12-31
206.3 K
Globeflex Capital, L.p.2024-12-31
187.8 K
The Informed Momentum Company (formerly Eam Investors)2024-12-31
182.1 K
Millennium Management Llc2024-12-31
179.4 K
Lpl Financial Corp2024-12-31
179 K
Blackrock Inc2024-12-31
1.2 M
Vanguard Group Inc2024-12-31
969.7 K
View OppFi Diagnostics

OppFi Historical Income Statement

As of now, OppFi's Selling And Marketing Expenses is increasing as compared to previous years. The OppFi's current Total Operating Expenses is estimated to increase to about 109.5 M, while Selling General Administrative is projected to decrease to under 50.5 M. View More Fundamentals

OppFi Stock Against Markets

OppFi Corporate Management

Ray ChayVP OperationsProfile
Elizabeth SimerChief GMProfile
Manuel ChagasChief OfficerProfile
Theodore SchwartzCoFounder DirectorProfile
Marv GurevichGeneral SecretaryProfile
When determining whether OppFi Inc offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of OppFi's financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of Oppfi Inc Stock. Outlined below are crucial reports that will aid in making a well-informed decision on Oppfi Inc Stock:
Check out Your Equity Center to better understand how to build diversified portfolios, which includes a position in OppFi Inc. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in census.
You can also try the Insider Screener module to find insiders across different sectors to evaluate their impact on performance.
Is Asset Management & Custody Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of OppFi. If investors know OppFi will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about OppFi listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth
0.631
Earnings Share
0.36
Revenue Per Share
13.738
Quarterly Revenue Growth
0.3
Return On Assets
0.1349
The market value of OppFi Inc is measured differently than its book value, which is the value of OppFi that is recorded on the company's balance sheet. Investors also form their own opinion of OppFi's value that differs from its market value or its book value, called intrinsic value, which is OppFi's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because OppFi's market value can be influenced by many factors that don't directly affect OppFi's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between OppFi's value and its price as these two are different measures arrived at by different means. Investors typically determine if OppFi is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, OppFi's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.