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Oppfi inc.OPFI.US Overview

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OPFI Recent Performance

0.54%

Oppfi inc.

1.79%

Avg of Sector

-0.31%

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OPFI Key Information

OPFI Financial Forecast

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QuarterlyEPS ForecastQoQMaxMin
2026Q1
2026Q2
2026Q3
2026Q4
2027Q1

OPFI Profile

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 is based in Chicago, Illinois.

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OPFI FAQ

This disclaimer is provided by TradingValley Inc. and includes any messages, news, research, analysis, prices or other information provided by the Company's website, the application "Growin App" and other services provided through the Company's website. It is only general market information for educational and investment decision-making reference, and does not constitute any investment advice. View Growin Disclaimer

OPFI Earnings Table

Unit : USD

QTRNon-GAAP EPSEPS YoYEPS Surprise %SalesSales YoYSales Surprise %NPM
Current
2025Q4
2025Q3
2025Q2
2025Q1
METRIC
VALUE
vs. INDUSTRY
EPS (TTM)
0.04
PE Ratio (TTM)
131.14
Forward PE
7.55
PS Ratio (TTM)
2.39
PB Ratio
5.14
Price-to-FCF
2.19
METRIC
VALUE
vs. INDUSTRY
Gross Margin
70.64%
Net Margin
1.03%
Revenue Growth (YoY)
22.85%
Profit Growth (YoY)
35.22%
3-Year Revenue Growth
25.71%
3-Year Profit Growth
44.25%
METRIC
VALUE
vs. INDUSTRY
EPS (TTM)
0.04
PE Ratio (TTM)
131.14
Forward PE
7.55
PS Ratio (TTM)
2.39
PB Ratio
5.14
Price-to-FCF
2.19
Gross Margin
70.64%
Net Margin
1.03%
Revenue Growth (YoY)
22.85%
Profit Growth (YoY)
35.22%
3-Year Revenue Growth
25.71%
3-Year Profit Growth
44.25%
  • When is OPFI's latest earnings report released?

    The most recent financial report for Oppfi inc. (OPFI) covers the period of 2025Q3 and was published on 2025/09/30. This report is prepared according to IFRS/US GAAP standards and includes key financial indicators—Revenue, Profitability, Cash Flow, and Capital Structure. This information is essential for investors evaluating OPFI's short-term business performance and financial health. For the latest updates on OPFI's earnings releases, visit this page regularly.

  • Where does OPFI fall in the P/E River chart?

    According to historical valuation range analysis, Oppfi inc. (OPFI)'s current price-to-earnings (P/E) ratio is 210.67, placing it in the Overvalued zone on the P/E River chart. This level indicates that the market's expectations for future earnings are already reflected in the share price, with the valuation currently leaning optimistic. Investors are advised to further examine the company's fundamentals and its position in the industry cycle to validate whether the valuation is justified.

  • What is the operating profit of OPFI?

    According to the latest financial report, Oppfi inc. (OPFI) reported an Operating Profit of 58.52M with an Operating Margin of 55.97% this period, representing a growth of 26.19% compared to the same period last year. Operating Profit reflects the company's core business efficiency and cost control, making it a key indicator for evaluating operational strength and profitability.

  • How is OPFI's revenue growth?

    In the latest financial report, Oppfi inc. (OPFI) announced revenue of 104.56M, with a Year-Over-Year growth rate of 14.69%. Revenue growth can be driven by product mix changes, market share expansion, price adjustments, or international market penetration. Investors should also monitor gross margin and regional revenue distribution for a comprehensive view of growth quality and sustainability.

  • How much cash does OPFI have?

    At the end of the period, Oppfi inc. (OPFI) held Total Cash and Cash Equivalents of 75.19M, accounting for 0.1 of total assets. Both current and quick ratios indicate robust short-term debt repayment ability. High cash reserves typically mean the company has strong liquidity, supporting operational needs, expansion investments, or shareholder returns.

  • Does OPFI go with three margins increasing?

    In the latest report, Oppfi inc. (OPFI) achieved the “three margins increasing” benchmark, with a gross margin of 72.2%%, operating margin of 55.97%%, and net margin of 39.8%%. This demonstrates improvement in profitability, which is a key signal for fundamental analysis. Investors should consider margin trends alongside other financial indicators to assess OPFI's profit trajectory and future growth potential.

  • Is OPFI's EPS continuing to grow?

    According to the past four quarterly reports, Oppfi inc. (OPFI)'s earnings per share (EPS) shows a steady growth trend, with the latest EPS at 1.48. If EPS continues to rise due to revenue growth and cost optimization, it can support P/E valuation recovery and attract long-term investors.

  • What is the FCF of OPFI?

    Oppfi inc. (OPFI)'s Free Cash Flow (FCF) for the period is 99.94M, calculated as Operating Cash Flow minus Capital Expenditures, representing a rise of 35.64% compared with the previous period. Positive FCF growth provides stable funding for dividends, debt repayment, or strategic acquisitions, and is an important measure of true profitability and shareholder return potential.