OPFI - OppFi Inc. Stock Price, Fair Value and News

2.66USD+0.02 (+0.76%)Market Closed

Market Summary

USD2.66+0.02

Market Closed

0.76%

OPFI Stock Price

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OPFI RSI Chart

OPFI Valuation

Market Cap

43.6M

Price/Earnings (Trailing)

-43.38

Price/Sales (Trailing)

0.09

EV/EBITDA

0.12

Price/Free Cashflow

0.15

OPFI Price/Sales (Trailing)

OPFI Profitability

EBT Margin

8.22%

Return on Equity

-9.63%

Return on Assets

-0.17%

Free Cashflow Yield

679.22%

OPFI Fundamentals

OPFI Revenue

Revenue (TTM)

508.9M

Rev. Growth (Yr)

10.74%

Rev. Growth (Qtr)

-0.18%

OPFI Earnings

Earnings (TTM)

-1.0M

Earnings Growth (Yr)

-277.58%

Earnings Growth (Qtr)

-356.66%

Breaking Down OPFI Revenue

Last 7 days

-11.0%

Last 30 days

6.8%

Last 90 days

-22.2%

Trailing 12 Months

38.5%

How does OPFI drawdown profile look like?

OPFI Financial Health

Current Ratio

0.28

OPFI Investor Care

Shares Dilution (1Y)

17.81%

Diluted EPS (TTM)

-0.06

Historical Charts for Stock Metrics

Get all data in R, Python etc through our Historical Stock Data APIs

Net sales

Year	Q1	Q2	Q3	Q4
2023	472.5M	487.1M	496.1M	508.9M
2022	367.0M	396.5M	428.8M	452.9M
2021	300.6M	317.7M	346.9M	350.6M
2020	244.6M	260.1M	275.5M	291.0M
2019	0	0	0	229.1M
2018	0	0	0	114.2M

Get all data in R, Python etc through our Historical Stock Data APIs

Tracking the Latest Insider Buys and Sells of OppFi Inc.

Filter Transactions

Datesorted ascending	Name	Buy/Sell	$ Value	Avg. Price	# Shares	Title
Apr 18, 2024	schwartz todd g.	back to issuer	-	-	-134,090	chief executive officer
Apr 15, 2024	mckay christopher j.	acquired	-	-	3,850	chief risk & analytics officer
Apr 15, 2024	johnson pamela d.	sold (taxes)	-26,236	3.2	-8,199	cfo
Apr 15, 2024	johnson pamela d.	acquired	-	-	1,041	cfo
Apr 15, 2024	mckay christopher j.	sold (taxes)	-28,208	3.2	-8,815	chief risk & analytics officer
Apr 01, 2024	johnson pamela d.	acquired	-	-	107,752	cfo
Apr 01, 2024	mckay christopher j.	acquired	-	-	129,386	chief risk & analytics officer
Mar 13, 2024	schwartz todd g.	back to issuer	-	-	-22,900	chief executive officer
Mar 01, 2024	schwartz todd g.	back to issuer	-	-	-57,478	chief executive officer
Feb 08, 2024	mckay christopher j.	sold (taxes)	-1,319	3.04	-434	chief risk & analytics officer

Which funds bought or sold OPFI recently?

View All Details

Datesorted ascending	Fund Name	Type	% Chg	$ Change	$ Held	% Portfolio
Apr 25, 2024	Bank of New York Mellon Corp	unchanged	-	-43,602	41,606	-%
Apr 25, 2024	SIMPLEX TRADING, LLC	new	-	12,000	12,000	-%
Apr 23, 2024	AMALGAMATED BANK	reduced	-66.12	-4,000	1,000	-%
Apr 22, 2024	RAYMOND JAMES & ASSOCIATES	added	76.07	-9,148	56,065	-%
Apr 16, 2024	Financial Management Professionals, Inc.	sold off	-100	-20,000	-	-%
Apr 05, 2024	GAMMA Investing LLC	new	-	375	375	-%
Mar 11, 2024	VANGUARD GROUP INC	added	4.5	2,217,550	4,191,730	-%
Mar 01, 2024	GOLDMAN SACHS GROUP INC	added	303	227,885	259,574	-%
Feb 28, 2024	AMERICAN INTERNATIONAL GROUP, INC.	reduced	-0.41	13,850	27,382	-%
Feb 26, 2024	Privium Fund Management B.V.	reduced	-25.01	181,050	217,503	0.06%

Are Funds Buying or Selling OPFI?

Are funds buying OPFI calls or puts?

Calls

Puts

No. of funds holding Calls - Puts

Net Call Options

No. of funds that own OPFI

No. of Funds

Unveiling OppFi Inc.'s Major ShareHolders

Date Filed	Name of Filer	Percent of Class	No. of Shares	Form Type
Feb 14, 2024	ionic capital management llc	2.1%	380,520	SC 13G/A
Feb 14, 2024	walleye capital llc	4.84%	858,150	SC 13G/A
Feb 12, 2024	lmr partners llp	7.3%	1,391,847	SC 13G/A
Feb 15, 2023	walleye capital llc	5.59%	858,085	SC 13G
Feb 14, 2023	ionic capital management llc	7.5%	1,155,693	SC 13G
Feb 14, 2023	lmr partners llp	4.6%	695,923	SC 13G/A
Jan 27, 2023	linden capital l.p.	0.0%	0	SC 13G/A
Apr 12, 2022	lmr partners llp	2.9%	408,749	SC 13G
Feb 14, 2022	gilder gagnon howe & co llc	1.6%	219,487	SC 13G/A
Feb 14, 2022	glazer capital, llc	0.0%	0	SC 13G/A

Recent SEC filings of OppFi Inc.

View All Filings

Date Filed	Form Type	Document
Apr 26, 2024	ARS	ARS
Apr 26, 2024	DEF 14A	DEF 14A
Apr 26, 2024	DEFA14A	DEFA14A
Apr 22, 2024	4	Insider Trading
Apr 17, 2024	4	Insider Trading
Apr 17, 2024	4	Insider Trading
Apr 11, 2024	8-K	Current Report
Apr 09, 2024	8-K	Current Report
Apr 03, 2024	4	Insider Trading
Apr 03, 2024	4	Insider Trading

Peers (Alternatives to OppFi Inc.)

Name	Mkt Capsorted ascending	Revenue	Price %, 1M	Returns, 1Y	P/E	P/S	Rev 1-Yr	Inc 1-Yr
LARGE-CAP
MA	436.2B	25.1B	-3.32%	23.66%	38.96	17.38	12.87%	12.74%
AXP	169.4B	62.0B	3.43%	48.67%	18.83	2.73	11.96%	24.39%
PYPL	70.7B	29.8B	-0.92%	-11.19%	16.65	2.37	8.19%	75.53%
COF	55.6B	41.9B	1.13%	52.26%	11.26	1.33	34.26%	32.87%
DFS	32.0B	17.8B	-0.26%	25.18%	10.83	1.79	38.72%	-32.51%
ALLY	11.9B	14.0B	-1.31%	52.88%	11.71	0.86	31.42%	-40.49%
MID-CAP
CACC	6.5B	1.9B	-4.41%	9.88%	22.68	3.41	3.79%	-46.60%
FCFS	5.2B	3.2B	-8.40%	12.57%	23.78	1.65	15.50%	-13.49%
WU	4.6B	4.4B	-1.75%	24.95%	7.42	1.05	0.29%	-19.79%
NNI	3.5B	1.1B	1.55%	-0.75%	38.74	3.2	8.54%	-77.53%
SMALL-CAP
ENVA	1.7B	2.2B	1.69%	45.58%	10.02	0.77	22.40%	-16.16%
ATLC	395.9M	1.2B	-11.18%	-5.71%	3.85	0.34	10.41%	-24.15%
CPSS	181.5M	352.0M	8.87%	-15.62%	4	0.52	6.77%	-47.27%
AIHS	7.9M	7.3M	-4.60%	-4.83%	-2.06	1.09	-51.06%	-195.09%
CURO	3.3M	853.2M	-40.00%	-95.05%	-0.01	0	-15.13%	-1364.54%

OppFi Inc. News

Latest updates

OppFi Inc. Earnings Report: Key Takeaways & Analysis

Income Statement (Last 12 Months)

(In Thousands)

(*) denotes actual numbers (not divided by Thousands)
Income Statement (Quarterly)																		(In Thousands)
Description	(%) Q/Q	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2018Q4
Revenue	-0.2%	133	133	122	120	120	124	108	101	96.00	92.00	78.00	84.00	92.00	63.00	61.00	-	-	-
S&GA Expenses	-8.1%	3.00	4.00	3.00	3.00	3.00	3.00	3.00	3.00	3.00	4.00	5.00	2.00	1.00	2.00	2.00	-	-	-
EBITDA Margin	10.0%	0.19*	0.18*	0.14*	0.12*	0.11*	0.16*	0.24*	0.28*	0.35*	0.31*	0.32*	0.35*	0.36*	0.21*	0.22*	0.23*	0.25*	-
Interest Expenses	1.2%	11.00	11.00	11.00	10.00	10.00	8.00	7.00	7.00	6.00	6.00	5.00	5.00	4.00	0.00	-	-	-	-
Income Taxes	126.7%	1.00	0.00	1.00	0.00	-2.03	1.00	0.00	1.00	-0.39	1.00	-	-	-	-	-	-	-	-
Earnings Before Taxes	-81.6%	3.00	16.00	19.00	4.00	-7.21	0.00	10.00	0.00	17.00	31.00	18.00	24.00	-	19.00	-	-	-	-
EBT Margin	28.8%	0.08*	0.06*	0.03*	0.01*	0.01*	0.06*	0.15*	0.18*	0.26*	0.22*	0.24*	0.26*	0.27*	0.12*	0.13*	0.13*	0.14*	-
Net Income	-356.7%	-5.57	2.00	2.00	0.00	3.00	-0.57	3.00	1.00	-9.76	14.00	18.00	24.00	-5.61	19.00	25.00	-	-	-
Net Income Margin	-112.7%	0.00*	0.02*	0.01*	0.01*	0.02*	-0.01*	0.02*	0.06*	0.13*	0.15*	0.18*	0.21*	0.27*	0.12*	0.13*	0.13*	0.14*	-
Free Cashflow	10.0%	83.00	75.00	73.00	66.00	71.00	69.00	58.00	45.00	47.00	35.00	39.00	45.00	24.00	-	-	-	-	-

Balance Sheet

(In Millions)

(*) denotes actual numbers (not divided by Millions)
Balance Sheet															(In Millions)
Description	(%) Q/Q	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2019Q4
Assets	0.2%	602	601	577	560	580	580	578	513	502	441	437	244	286	286	287
Current Assets	-	-	-	-	-	-	-	-	-	-	-	0.00	1.00	1.00	2.00	-
Cash Equivalents	2.1%	32.00	31.00	27.00	32.00	16.00	50.00	58.00	60.00	62.00	28.00	121	96.00	46.00	44.00	36.00
Net PPE	-7.3%	10.00	11.00	12.00	13.00	14.00	15.00	15.00	15.00	15.00	14.00	13.00	-	11.00	-	7.00
Liabilities	-0.8%	408	411	400	396	421	415	413	356	344	302	260	25.00	187	218	249
Current Liabilities	-	-	-	-	-	-	-	-	-	-	-	2.00	1.00	0.00	2.00	-
Shareholder's Equity	-8.5%	10.00	11.00	177	164	159	165	165	157	158	-	5.00	5.00	99.00	6.00	-
Retained Earnings	-8.7%	-63.59	-58.52	-60.99	-63.29	-63.55	-66.68	-66.16	-70.69	-70.72	-82.18	170	11.00	92.00	0.00	31.00
Additional Paid-In Capital	5.7%	76.00	72.00	71.00	67.00	66.00	66.00	64.00	62.00	62.00	59.00	1.00	16.00	0.00	6.00	0.00
Shares Outstanding	-2.3%	16.00	17.00	15.00	15.00	14.00	14.00	14.00	14.00	13.00	13.00	11.00	9.00	7.00	5.00	-
Minority Interest	2.9%	184	178	170	163	160	169	169	165	167	162	-	-	-	-	-
Float	-	-	-	30.00	-	-	-	43.00	-	-	-	249	-	-	-	-

Cashflow (Last 12 Months)

(In Thousands)

(*) denotes actual numbers (not divided by Thousands)
Cashflow (Quarterly)																		(In Thousands)
Description	(%) Q/Q	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2018Q4
Cashflow From Operations	10.0%	82,558	75,022	72,929	65,637	71,034	69,479	58,053	44,731	47,256	35,253	39,481	45,356	24,207	-	-	-	-	-
Share Based Compensation	-8.2%	997	1,086	845	1,139	963	762	1,050	579	1,840	943	180	49.00	144	-	-	-	-	-
Cashflow From Investing	16.2%	-64,309	-76,784	-74,899	-28,300	-73,799	-79,055	-112,146	-52,244	-89,491	-62,101	-43,236	-4,642	-54,659	-36,025	-	-	-	-
Cashflow From Financing	-281.9%	-10,333	5,681	-7,296	-15,633	1,966	2,407	51,785	5,097	47,795	-37,129	28,569	9,594	126,088	27.00	-	-	-	-
Buy Backs	-	-	-	-	-	-	307	1,116	1,037	-	-	-	-	-	-	-	-	-	-

OPFI Income Statement

2023-12-31

Consolidated Statements of Operations - USD ($)	12 Months Ended
Consolidated Statements of Operations - USD ($)	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Revenue:
Interest and loan related income	$ 505,430,000	$ 451,448,000	$ 349,029,000
Other revenue	3,519,000	1,411,000	1,539,000
Interest and other income	508,949,000	452,859,000	350,568,000
Change in fair value of finance receivables	(231,419,000)	(233,959,000)	(85,960,000)
Provision for credit losses on finance receivables	(4,348,000)	(1,940,000)	(929,000)
Net revenue	273,182,000	216,960,000	263,679,000
Expenses:
Salaries and employee benefits	60,680,000	59,976,000	65,049,000
Direct marketing costs	50,562,000	58,294,000	52,462,000
Interest expense and amortized debt issuance costs	46,750,000	35,162,000	24,119,000
Professional fees	18,027,000	12,940,000	18,838,000
Depreciation and amortization	12,735,000	13,581,000	10,282,000
Technology costs	12,543,000	13,054,000	10,064,000
Payment processing fees	10,439,000	10,418,000	7,480,000
Occupancy	4,431,000	4,441,000	3,781,000
Lower of cost or market adjustment on transfer of finance receivables from held for sale to held for investment	(2,983,000)	0	0
Impairment of assets held for sale	0	3,571,000	0
General, administrative and other	13,643,000	11,865,000	13,860,000
Total expenses	226,827,000	223,302,000	206,422,000
Income (loss) from operations	46,355,000	(6,342,000)	57,257,000
Other (expense) income:
Change in fair value of warrant liabilities	(4,976,000)	9,352,000	26,405,000
Gain on forgiveness of Paycheck Protection Program loan	0	0	6,444,000
Other income	431,000	53,000	0
Income before income taxes	41,810,000	3,063,000	90,106,000
Income tax expense (benefit)	2,331,000	(277,000)	311,000
Net income	39,479,000	3,340,000	89,795,000
Net (loss) income attributable to noncontrolling interest	40,484,000	(3,758,000)	64,241,000
Net (loss) income attributable to OppFi Inc.	$ (1,005,000)	$ 7,098,000	$ 25,554,000
Earnings Per Share [Abstract]
Basic (in dollars per share)	$ (0.06)	$ 0.51	$ 1.93
Diluted (in dollars per share)	$ (0.06)	$ 0.05	$ 0.48
Weighted average common shares outstanding:
Basic (in shares)	16,391,199	13,913,626	13,218,119
Diluted (in shares)	16,391,199	84,256,084	84,474,039
Related Party
Expenses:
Interest expense - related party	$ 0	$ 0	$ 137,000
Management fees - related party	$ 0	$ 0	$ 350,000

OPFI Balance Sheet

2023-12-31

Consolidated Balance Sheets - USD ($)
$ in Thousands

Dec. 31, 2023

Dec. 31, 2022

Assets

Cash

^[1]

$ 31,791

$ 16,239

Restricted cash

^[1]

42,152

33,431

Total cash and restricted cash

73,943

49,670

Finance receivables at fair value

^[1]

463,320

457,296

Finance receivables at amortized cost, net of allowance for credit losses of $346 and $96 as of December 31, 2023 and 2022, respectively

110

643

Settlement receivable

^[1]

1,904

2,000

Assets held for sale

550

Debt issuance costs, net

^[1]

3,834

4,049

Property, equipment and software, net

10,292

14,039

Operating lease right-of-use assets

12,180

13,587

Deferred tax asset

25,777

26,758

Other assets

^[1]

10,183

11,247

Total assets

601,543

579,839

Liabilities:

Accounts payable

^[1]

4,442

6,338

Accrued expenses

^[1]

22,006

23,220

Operating lease liabilities

15,061

16,558

Secured borrowing payable

^[1]

756

Senior debt, net

^[1]

332,667

344,688

Notes payable

1,449

1,616

Warrant liabilities

6,864

1,888

Tax receivable agreement liability

25,025

25,625

Total liabilities

407,514

420,689

Commitments and contingencies (Note 14)

Stockholders' equity:

Preferred stock, $0.0001 par value (1,000,000 shares authorized with no shares issued and outstanding as of December 31, 2023 and 2022, respectively)

Additional paid-in capital

76,480

65,501

Accumulated deficit

(63,591)

(63,546)

Treasury stock at cost, 703,914 shares as of December 31, 2023 and 2022

(2,460)

Total OppFi Inc.'s stockholders' equity (deficit)

10,440

(494)

Noncontrolling interest

183,589

159,644

Total stockholders' equity

194,029

159,150

Total liabilities and stockholders' equity

601,543

579,839

Variable Interest Entity, Primary Beneficiary

Assets

Cash

368

Restricted cash

32,782

24,577

Total cash and restricted cash

33,150

24,577

Finance receivables at fair value

417,138

417,476

Settlement receivable

1,904

2,000

Debt issuance costs, net

3,834

4,049

Other assets

108

Total assets

456,033

448,210

Liabilities:

Accounts payable

109

Accrued expenses

3,614

3,428

Secured borrowing payable

756

Senior debt, net

283,213

295,734

Total liabilities

286,832

300,027

Class A Common Stock

Stockholders' equity:

Common stock, value, issued

Class B Common Stock

Stockholders' equity:

Common stock, value, issued

Class V Voting Stock

Stockholders' equity:

Common stock, value, issued

$ 9

[1]	(1) Includes amounts in consolidated variable interest entities ("VIEs") presented separately in the table below.

About OppFi Inc.

OppFi Inc. operates a financial technology platform that allows banks to offer lending products. Its platform facilitates the OppLoans, an installment loan product; SalaryTap, a payroll deduction secured installment loan product; and OppFi Card, a credit card product. The company was founded in 2012 and is headquartered in Chicago, Illinois.

CEO	Mr. Todd G. Schwartz
WEBSITE	oppfi.com
INDUSTRY	Credit Services
EMPLOYEES	465

OppFi Inc. Frequently Asked Questions

What is the ticker symbol for OppFi Inc.? What does OPFI stand for in stocks?

OPFI is the stock ticker symbol of OppFi Inc.. Every public company that trades on a stock exchange gets a ticker symbol.

What is the market capital of OppFi Inc. (OPFI)?

As of Fri Apr 26 2024, market cap of OppFi Inc. is 43.6 Million. The market capitalization is calculated by multiplying the stock price with the number of shares outstanding.

What is the fair value of OPFI stock?

You can check OPFI's fair value in chart for subscribers.

What is the fair value of OPFI stock?

You can check OPFI's fair value in chart for subscribers. The fair value of OppFi Inc. is provided for various growth and macro-economic scenarios from very pessimiatic to very optimistic assumptions. These fair values are estimates from Grufity's Fair Value model based on company's past performance. However, past performance of OppFi Inc. is no guarantee of future performance. These fairvalue estimates should only be used as one of the inputs in your stock analysis. We provide model's historical fair value estimates for OPFI so that you know how good or bad the model has been in the past so you can discard it if needed. There are others that provide fair values of stocks such as wallmine, finbox, gurufocus and finviz. Most provide point in time estimates. We provide a history of our models fair value estimates so that you can get a sense of it's usefulness. Otherwise this data point is of little use.

Is OppFi Inc. a good stock to buy?

The fair value guage provides a quick view whether OPFI is over valued or under valued. Whether OppFi Inc. is cheap or expensive depends on the assumptions which impact OppFi Inc.'s fair value. We provide several scenarios of inflation and growth to encompass these range of assumptions for OPFI.

What is OppFi Inc.'s Price to Earnings (PE) and Price to sales (PS) ratio?

As of Fri Apr 26 2024, OPFI's PE ratio (Price to Earnings) is -43.38 and Price to Sales (PS) ratio is 0.09. The price to earnings and price to sales ratio are two most important valuation metrics for any company. PE ratio tell us the number of years of earnings investors are ready to pay for owning the company. Historically, S&P500 price to earnings ratio has fallen below 12 during periods of gloom and gone past 30 during periods of euphoria. OPFI PE ratio will change depending on the future growth rate expectations of investors.