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OPFI

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

3.57USD-0.02 (-0.56%)Delayed as of 12 Jul 2024, 12:56 pm ET

Market Summary

OPFI
USD3.57-0.02
Delayedas of 12 Jul 2024, 12:56 pm
-0.56%

OPFI Alerts

  • 1 major insider sales recently.

OPFI Stock Price

View Fullscreen

OPFI RSI Chart

OPFI Valuation

Market Cap

399.4M

Price/Earnings (Trailing)

93.3

Price/Sales (Trailing)

0.77

EV/EBITDA

3.35

Price/Free Cashflow

1.31

OPFI Price/Sales (Trailing)

OPFI Profitability

EBT Margin

9.36%

Return on Equity

23.55%

Return on Assets

0.76%

Free Cashflow Yield

76.34%

OPFI Fundamentals

OPFI Revenue

Revenue (TTM)

515.9M

Rev. Growth (Yr)

5.79%

Rev. Growth (Qtr)

-4.2%

OPFI Earnings

Earnings (TTM)

4.3M

Earnings Growth (Yr)

2.1K%

Earnings Growth (Qtr)

199.46%

Breaking Down OPFI Revenue

52 Week Range

1.913.62
(Low)(High)

Last 7 days

1.7%

Last 30 days

10.1%

Last 90 days

12.5%

Trailing 12 Months

80.9%

How does OPFI drawdown profile look like?

OPFI Financial Health

Current Ratio

0.28

OPFI Investor Care

Shares Dilution (1Y)

1.34%

Diluted EPS (TTM)

0.02

Historical Charts for Stock Metrics

Get all data in R, Python etc through our Historical Stock Data APIs
Net sales
YearQ1Q2Q3Q4
2024515.9M000
2023472.5M487.1M496.1M508.9M
2022367.0M396.5M428.8M452.9M
2021300.6M317.7M346.9M350.6M
2020244.6M260.1M275.5M291.0M
2019000229.1M
2018000114.2M

Tracking the Latest Insider Buys and Sells of OppFi Inc.

Filter Transactions
Datesorted ascendingNameBuy/Sell$ ValueAvg. Price# SharesTitle
Jul 08, 2024
schwartz todd g.
back to issuer
-
-
-20,000
chief executive officer
Jun 11, 2024
schwartz todd g.
back to issuer
-
-
-4,687
chief executive officer
Jun 10, 2024
moore jocelyn
sold
-102,068
3.1417
-32,488
-
May 29, 2024
schwartz todd g.
back to issuer
-
-
-2,913
chief executive officer
May 14, 2024
johnson pamela d.
sold (taxes)
-2,870
3.06
-938
cfo
May 14, 2024
mckay christopher j.
sold (taxes)
-2,184
3.06
-714
chief risk & analytics officer
May 13, 2024
schwartz todd g.
back to issuer
-
-
-155,076
chief executive officer

1–10 of 50

Which funds bought or sold OPFI recently?

View All Details
Datesorted ascendingFund NameType% Chg$ Change$ Held% Portfolio
Jul 10, 2024
CWM, LLC
new
-
-
-
-%
Jul 02, 2024
GAMMA Investing LLC
unchanged
-
134
509
-%
Jul 01, 2024
Legal & General Group Plc
unchanged
-
-2,978
2,824
-%
May 20, 2024
Virtu Financial LLC
sold off
-100
-202,000
-
-%
May 16, 2024
JANE STREET GROUP, LLC
reduced
-26.01
-87,255
49,357
-%
May 16, 2024
CALIFORNIA STATE TEACHERS RETIREMENT SYSTEM
reduced
-31.00
-6,013
3,055
-%
May 15, 2024
Ionic Capital Management LLC
new
-
211,048
211,048
0.07%
May 15, 2024
Squarepoint Ops LLC
added
151
16,056
86,395
-%
May 15, 2024
Point72 Asset Management, L.P.
sold off
-100
-20,273
-
-%
May 15, 2024
AQR CAPITAL MANAGEMENT LLC
new
-
75,488
75,488
-%

1–10 of 44

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 FiledName of FilerPercent of ClassNo. of SharesForm 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
Jul 10, 2024
4
Insider Trading
Jun 13, 2024
4
Insider Trading
Jun 12, 2024
4
Insider Trading
Jun 10, 2024
144
Notice of Insider Sale Intent
Jun 05, 2024
8-K
Current Report
May 31, 2024
4
Insider Trading
May 16, 2024
4
Insider Trading
May 16, 2024
4
Insider Trading
May 15, 2024
4
Insider Trading
May 09, 2024
10-Q
Quarterly Report

Peers (Alternatives to OppFi Inc.)

NameMkt Capsorted ascendingRevenuePrice %, 1MReturns, 1YP/EP/SRev 1-YrInc 1-Yr
LARGE-CAP
407.2B
25.7B
-2.80% 8.93%
34.38
15.85
12.62% 22.62%
171.7B
62.0B
6.32% 36.94%
19.09
2.77
11.96% 24.39%
62.8B
30.4B
-7.41% -15.04%
14.46
2.06
8.39% 60.41%
53.0B
43.4B
2.76% 23.18%
11.61
1.22
26.76% -32.22%
33.0B
18.7B
8.01% 10.38%
14.36
1.76
31.76% -44.09%
12.9B
14.3B
9.67% 50.75%
14.99
0.9
22.92% -37.74%
MID-CAP
6.8B
2.0B
19.24% 4.27%
27.05
3.47
6.86% -40.40%
4.7B
3.2B
-6.60% 8.73%
20.2
1.46
13.90% -14.51%
4.2B
4.4B
-0.56% 5.30%
6.86
0.97
0.29% -19.79%
3.9B
1.1B
5.65% 7.74%
28.14
3.5
25.92% -44.07%
SMALL-CAP
1.8B
2.2B
13.15% 18.36%
10.26
0.79
22.40% -16.16%
491.4M
1.2B
23.17% -18.92%
4.78
0.41
9.96% -11.98%
215.0M
360.7M
19.67% -20.71%
5.96
0.6
6.56% -54.11%
10.1M
6.8M
17.07% 79.41%
-2.65
1.48
-15.69% -18.72%
2.5M
853.2M
-44.44% -95.10%
-0.01
0
-15.13% -1364.54%

OppFi Inc. News

Latest updates
Seeking Alpha2 months ago
The Motley Fool2 years ago

OppFi Inc. Earnings Report: Key Takeaways & Analysis

Income Statement (Last 12 Months)
(In Thousands)
Income Statement (Quarterly)
(In Thousands)
(*) denotes actual numbers (not divided by Thousands)
Description(%) Q/Q2024Q12023Q42023Q32023Q22023Q12022Q42022Q32022Q22022Q12021Q42021Q32021Q22021Q12020Q42020Q32020Q22020Q12019Q42018Q4
Revenue-4.2%12713313312212012012410810196.0092.0078.0084.0092.0063.0061.00---
  S&GA Expenses9.7%4.003.004.003.003.003.003.003.003.003.004.005.002.001.002.002.00---
EBITDA Margin5.5%0.20*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-2.7%11.0011.0011.0011.0010.0010.008.007.007.006.006.005.005.004.000.00----
Income Taxes-60.9%0.001.000.001.000.00-2.031.000.001.00-0.391.00--------
Earnings Before Taxes252.3%11.003.0016.0019.004.00-7.180.0010.000.0017.0031.0018.0024.00-19.00----
EBT Margin13.9%0.09*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 Income199.5%6.00-5.572.002.000.003.00-0.573.001.00-9.7614.0018.0024.00-5.6119.0025.00---
Net Income Margin520.2%0.01*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-9.8%74.0083.0075.0073.0066.0071.0069.0058.0045.0047.0035.0039.0045.0024.00-----
Balance Sheet
(In Millions)
Balance Sheet
(In Millions)
(*) denotes actual numbers (not divided by Millions)
Description(%) Q/Q2024Q12023Q42023Q32023Q22023Q12022Q42022Q32022Q22022Q12021Q42021Q32021Q22021Q12020Q42020Q32019Q4
Assets-6.4%563602601577560580580578513502441437244286286287
  Current Assets------------0.001.001.002.00-
    Cash Equivalents48.4%47.0032.0031.0027.0071.0050.0050.0058.0060.0062.0028.0012196.0046.0044.0036.00
  Net PPE-5.8%10.0010.0011.0012.0013.0014.0015.0015.0015.0015.0014.0013.00-11.00-7.00
Liabilities-10.2%36640841140039642141541335634430226025.00187218249
  Current Liabilities------------2.001.000.002.00-
Shareholder's Equity74.1%18.0010.0011.00177164159165165157158-5.005.0099.006.00-
  Retained Earnings8.7%-58.04-63.59-58.52-60.99-63.29-63.55-66.68-66.16-70.69-70.72-82.1817011.0092.000.0031.00
  Additional Paid-In Capital2.9%79.0076.0072.0071.0067.0066.0066.0064.0062.0062.0059.001.0016.000.006.000.00
Shares Outstanding17.2%19.0016.0016.0016.0015.0014.0014.0014.0014.0013.0013.0011.009.007.005.00-
Minority Interest-2.4%179184178170163160169169165167162-----
Float----30.00---43.00---249----
Cashflow (Last 12 Months)
(In Thousands)
Cashflow (Quarterly)
(In Thousands)
(*) denotes actual numbers (not divided by Thousands)
Description(%) Q/Q2024Q12023Q42023Q32023Q22023Q12022Q42022Q32022Q22022Q12021Q42021Q32021Q22021Q12020Q42020Q32020Q22020Q12019Q42018Q4
Cashflow From Operations-9.8%74,42782,55875,02272,92965,63771,03469,47958,05344,73147,25635,25339,48145,35624,207-----
  Share Based Compensation0.7%1,0049971,0868451,1399637621,0505791,84094318049.00144-----
Cashflow From Investing72.0%-18,005-64,309-76,784-74,899-28,300-73,799-79,055-112,146-52,244-89,491-62,101-43,236-4,642-54,659-36,025----
Cashflow From Financing-303.0%-41,644-10,3335,681-7,296-15,6331,9662,40751,7855,09747,795-37,12928,5699,594126,08827.00----
  Buy Backs-------3071,1161,037----------
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OPFI Income Statement

2024-03-31
Consolidated Statements of Operations (Unaudited) - USD ($)
$ in Thousands
3 Months Ended
Mar. 31, 2024
Mar. 31, 2023
Revenue:  
Interest and loan related income$ 126,279$ 119,942
Other revenue1,064432
Interest and other income127,343120,374
Change in fair value of finance receivables(64,102)(63,118)
Provision for credit losses on finance receivables(27)(70)
Net revenue63,21457,186
Expenses:  
Salaries and employee benefits15,99814,521
Interest expense and amortized debt issuance costs11,43011,371
Direct marketing costs9,51210,528
Professional fees5,4813,723
Technology costs3,0583,166
Exit costs2,9180
Depreciation and amortization2,7253,391
Payment processing fees2,0862,390
Occupancy9421,108
Gain On Transfer Of Finance Receivables From Held For Sale To Held For Investment0147
General, administrative and other3,7803,111
Total expenses57,93053,456
Income from operations5,2843,730
Other income:  
Change in fair value of warrant liabilities5,171153
Other income80193
Income before income taxes10,5354,076
Income tax expense404146
Net income10,1313,930
Net income attributable to noncontrolling interest4,5943,679
Net income attributable to OppFi Inc.$ 5,537$ 251
Earnings per common share:  
Basic (in dollars per share)$ 0.29$ 0.02
Diluted (in dollars per share)$ 0.10$ 0.02
Weighted average common shares outstanding:  
Basic (in shares)19,205,42715,037,326
Diluted (in shares)86,243,49815,189,895

OPFI Balance Sheet

2024-03-31
Consolidated Balance Sheets (Unaudited) - USD ($)
$ in Thousands
Mar. 31, 2024
Dec. 31, 2023
Assets  
Cash[1]$ 47,183$ 31,791
Restricted cash[1]41,53842,152
Total cash and restricted cash88,72173,943
Finance receivables at fair value[1]412,038463,320
Finance receivables at amortized cost, net of allowance for credit losses of $7 and $346 as of March 31, 2024 and December 31, 2023, respectively48110
Settlement receivable[1]1,7661,904
Debt issuance costs, net[1]3,3943,834
Property, equipment and software, net9,69410,292
Operating lease right-of-use assets11,76712,180
Deferred tax asset25,54025,777
Other assets[1]10,23810,183
Total assets563,206601,543
Liabilities:  
Accounts payable[1]3,9844,442
Accrued expenses[1]20,02822,006
Operating lease liabilities14,61315,061
Senior debt, net[1]300,300332,667
Notes payable7241,449
Warrant liabilities1,6936,864
Tax receivable agreement liability24,57225,025
Total liabilities365,914407,514
Commitments and contingencies (Note 12)
Stockholders' equity:  
Preferred stock, $0.0001 par value (1,000,000 shares authorized with no shares issued and outstanding as of March 31, 2024 and December 31, 2023, respectively)00
Additional paid-in capital78,66976,480
Accumulated deficit(58,044)(63,591)
Treasury stock at cost, 703,914 shares as of March 31, 2024 and December 31, 2023(2,460)(2,460)
Total OppFi Inc.'s stockholders' equity18,17610,440
Noncontrolling interest179,116183,589
Total stockholders' equity197,292194,029
Total liabilities and stockholders' equity563,206601,543
Variable Interest Entity, Primary Beneficiary  
Assets  
Cash328368
Restricted cash32,07032,782
Total cash and restricted cash32,39833,150
Finance receivables at fair value352,316417,138
Settlement receivable1,7661,904
Debt issuance costs, net3,3943,834
Other assets107
Total assets389,884456,033
Liabilities:  
Accounts payable35
Accrued expenses3,1463,614
Senior debt, net250,736283,213
Total liabilities253,885286,832
Class A Common Stock  
Stockholders' equity:  
Common stock, value, issued22
Class B Common Stock  
Stockholders' equity:  
Common stock, value, issued00
Class V Voting Stock  
Stockholders' equity:  
Common stock, value, issued$ 9$ 9
[1]
(1) Includes amounts in consolidated variable interest entities ("VIEs") presented separately in the table below.
OPFI
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
 WEBSITEoppfi.com
 INDUSTRYCredit Services
 EMPLOYEES465

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 Thu Jul 11 2024, market cap of OppFi Inc. is 399.42 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 Thu Jul 11 2024, OPFI's PE ratio (Price to Earnings) is 93.3 and Price to Sales (PS) ratio is 0.77. 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.