OPFI
OppFi Inc
NYSE: OPFI · FINANCIAL SERVICES · CREDIT SERVICES
$9.29
+5.62% today
Updated 2026-06-04
Market cap
$1.21B
P/E ratio
4.15
P/S ratio
3.57x
EPS (TTM)
$2.03
Dividend yield
—
52W range
$7 – $15
Volume
0.7M
WallStSmart proprietary scores
55
out of 100
Grade: C+
Hold
Investment rating
6.0
Growth
B4.5
Quality
C9.5
Profitability
A+6.7
Valuation
B3/9
Piotroski F-Score
Weak
2.9
Altman Z-Score
Grey zone
—
Industry rank
—
View all highly rated stocks (75+) →205 stocks currently score above 75
Price targets
Analyst target
$14.00
+50.70%
12-Month target
$9.64
+3.77%
Intrinsic (DCF)
—
Margin of safety
—
1 Strong Buy1 Buy1 Hold0 Sell0 Strong Sell
Price chart
Stock snapshot
Strengths
+ ROE 87.37% — strong efficiency
+ Free cash flow $85.63M — positive
Risks
- Piotroski 3/9 — weak financial health
- Revenue declining -2.20% QoQ
- Debt/equity 3.98x — high leverage
Key financials
Revenue Net Income Free Cash Flow
| Metric | 2022 | 2023 | 2024 | 2025 | TTM |
|---|---|---|---|---|---|
| Revenue | $452.86M | $508.95M | $525.96M | $597.05M | $340.04M |
| Net income | $7.10M | $-1.00M | $7.26M | $26.33M | $28.40M |
| EPS | — | — | — | — | $2.03 |
| Free cash flow | $230.05M | $287.15M | $310.80M | $382.19M | $85.63M |
| Profit margin | 1.57% | -0.20% | 1.38% | 4.41% | 19.40% |
Recent insider activity
| Date | Insider | Type | Shares | Price |
|---|---|---|---|---|
| 2026-05-04 | VENNETTILLI, DAVID | Sale | 10,000 | $10.00 |
| 2026-05-04 | MCKAY, CHRISTOPHER J. | Sale | 357 | $9.51 |
| 2026-05-04 | JOHNSON, PAMELA D. | Sale | 469 | $9.51 |
Peer comparison
Smart narrative
OppFi Inc trades at $9.29. representing a P/E of 4.15x trailing earnings. Our Smart Value Score of 55/100 indicates the stock is fair. The company scores 3/9 on the Piotroski F-Score. With an Altman Z-Score of 2.88, it sits in the grey zone. TTM revenue stands at $340.04M. with profit margins at 19.40%.
Frequently asked questions
What is OppFi Inc's stock price?
OppFi Inc (OPFI) trades at $9.29, on a P/E of 4.2x and a P/S of 3.6x. Those multiples show what the market is paying for each dollar of earnings and sales, which is the real starting point for judging whether the price is reasonable.
Is OppFi Inc overvalued?
OppFi Inc carries a Smart Value Score of 55/100 (Grade C+), which we rate Hold. That score blends growth, quality, and valuation into one read.
What is the price target of OppFi Inc (OPFI)?
The 12-month analyst consensus target is $14.00, about 50.7% above the current $9.29. A consensus target is the average of Wall Street's 12-month forecasts, so it works as a sentiment gauge rather than a guarantee, and it resets with every earnings cycle.
What is the future stock price of OPFI by 2030?
Our research-backed model puts the 2030 base case at $13.78, built from revenue projections, a growth-adjusted P/S multiple, net debt, and share dilution. It is a scenario rather than a prediction, and the bull and bear cases around it matter more than the single number when you are sizing a position.
What is OppFi Inc's revenue?
OppFi Inc's trailing twelve-month revenue is $340.04M. Revenue scale anchors the valuation multiples and shows whether growth is reaching the top line, so it is best read alongside margin and growth trends to see if that revenue is getting more profitable over time.
Altman Z-Score?
OppFi Inc's Altman Z-Score is 2.88, which places it in the grey zone. The Altman Z-Score gauges bankruptcy risk from profitability, leverage, and asset efficiency, and a higher reading points to lower financial distress risk.
Company info
SectorFINANCIAL SERVICES
IndustryCREDIT SERVICES
CountryUSA
ExchangeNYSE
CurrencyUSD
Quick metrics
P/S ratio3.57x
ROE87.37%
Beta1.81
50D MA$8.68
200D MA$9.52
Shares out0.09B
Float0.03B
Short ratio—
Avg volume0.7M
Performance
1 week-2.77%
1 month-2.43%
3 months-7.07%
YTD-17.64%
1 year—
3 years—
5 years—