OppFi Financials

OPFI Stock  USD 13.71  0.10  0.72%   
OppFi Inc is not in a good financial situation at this time. It has a very high probability of going through financial hardship in March. The OppFi's current Non Current Assets Total is estimated to increase to about 75.4 M, while Total Assets are projected to decrease to under 496.3 M. Key indicators impacting OppFi's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Current Ratio6.829.43
Way Down
Slightly volatile
The essential information of the day-to-day investment outlook for OppFi includes many different criteria found on its balance sheet. An individual investor should monitor OppFi's cash flow, debt, and profitability to accurately make informed decisions on whether to invest in OppFi.

Cash And Equivalents

32.21 Million

  

OppFi Stock Summary

OppFi competes with Dave, CS Disco, Enfusion, Nerdy, and Vacasa. 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. Oppfi operates under SoftwareApplication classification in the United States and is traded on New York Stock Exchange. It employs 573 people.
Specialization
Financial Services, Financial Services
InstrumentUSA Stock View All
ExchangeNew York Stock Exchange
ISINUS68386H1032
CUSIP68386H103 30259V106
LocationIllinois; U.S.A
Business AddressOne Prudential Plaza,
SectorCapital Markets
IndustryFinancials
BenchmarkDow Jones Industrial
Websitewww.oppfi.com
Phone312 212 8079
CurrencyUSD - US Dollar

OppFi Key Financial Ratios

OppFi Key Balance Sheet Accounts

202020212022202320242025 (projected)
Total Assets285.8M502.1M579.8M601.5M691.8M496.3M
Other Current Liab27.0M29.6M23.2M22.0M25.3M22.5M
Net Debt132.5M249.0M347.4M317.4M365.0M275.7M
Retained Earnings92.3M(70.7M)(63.5M)(63.6M)(57.2M)(54.4M)
Accounts Payable1.4M6.1M6.3M4.4M5.1M5.1M
Cash25.6M25.1M16.2M31.8M36.6M25.4M
Other Assets7.4M435.52460.5M1.00.90.86
Net Receivables222.2M388.1M459.9M465.3M535.1M390.0M
Other Current Assets20.1M37.3M34.0M42.2M48.5M33.6M
Total Liab186.5M344.2M420.7M407.5M468.6M353.8M
Total Current Assets267.9M450.5M510.2M539.3M620.2M392.6M

OppFi Key Income Statement Accounts

202020212022202320242025 (projected)
Interest Expense19.3M21.9M35.2M46.8M53.8M28.6M
Total Revenue291.0M350.6M452.9M508.9M585.3M356.9M
Operating Income77.5M165.2M(6.3M)46.4M53.3M63.5M
Income Before Tax77.5M90.1M3.1M41.8M48.1M46.8M
Net Income77.5M89.8M7.1M(1.0M)(904.5K)(859.3K)
Net Interest Income(21.2M)(24.3M)(35.2M)(45.4M)(40.9M)(42.9M)
Gross Profit239.2M275.5M344.7M389.0M447.3M319.8M
Ebit96.8M165.2M41.7M33.6M30.3M28.7M
Research Development13.6M19.4M25.8M24.5M28.2M20.2M
Ebitda103.5M175.4M55.3M46.4M41.7M70.2M
Cost Of Revenue51.8M75.1M108.2M120.0M138.0M83.3M
Income Tax Expense19.3M311K(277K)2.3M2.1M2.0M

OppFi Key Cash Accounts

202020212022202320242025 (projected)
Change In Cash9.7M16.7M(12.7M)24.3M21.8M22.9M
Depreciation6.7M10.3M13.6M12.7M14.6M9.2M
Dividends Paid15.8M51.0M1.3M10.2M11.8M16.5M
Capital Expenditures10.7M14.4M13.3M9.0M10.3M10.6M
Net Income77.5M89.8M3.3M(1.0M)(904.5K)(859.3K)
End Period Cash Flow45.7M62.4M49.7M73.9M85.0M53.3M
Free Cash Flow181.4M153.0M230.0M287.2M330.2M218.6M
Other Non Cash Items1.9M60.9M233.0M280.5M322.6M338.7M

OppFi Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining OppFi's current stock value. Our valuation model uses many indicators to compare OppFi value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across OppFi competition to find correlations between indicators driving OppFi's intrinsic value. More Info.
OppFi Inc is considered to be number one stock in return on equity category among its peers. It also is considered to be number one stock in return on asset category among its peers reporting about  0.34  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for OppFi Inc is roughly  2.98 . As of now, OppFi's Return On Equity is decreasing as compared to previous years. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the OppFi's earnings, one of the primary drivers of an investment's value.

OppFi Inc Systematic Risk

OppFi's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. OppFi volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was thirty-six with a total number of output elements of twenty-five. The Beta measures systematic risk based on how returns on OppFi Inc correlated with the market. If Beta is less than 0 OppFi generally moves in the opposite direction as compared to the market. If OppFi Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one OppFi Inc is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of OppFi is generally in the same direction as the market. If Beta > 1 OppFi moves generally in the same direction as, but more than the movement of the benchmark.
Today, most investors in OppFi Stock are looking for potential investment opportunities by analyzing not only static indicators but also various OppFi's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of OppFi growth as a starting point in their analysis.

Price Earnings To Growth Ratio

0.7

As of now, OppFi's Price Earnings To Growth Ratio is increasing as compared to previous years.

OppFi February 1, 2025 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of OppFi help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of OppFi Inc. We use our internally-developed statistical techniques to arrive at the intrinsic value of OppFi Inc based on widely used predictive technical indicators. In general, we focus on analyzing OppFi Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build OppFi's daily price indicators and compare them against related drivers.

Complementary Tools for OppFi Stock analysis

When running OppFi's price analysis, check to measure OppFi's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy OppFi is operating at the current time. Most of OppFi's value examination focuses on studying past and present price action to predict the probability of OppFi's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move OppFi's price. Additionally, you may evaluate how the addition of OppFi to your portfolios can decrease your overall portfolio volatility.
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