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Oppfi inc. wt
0.23%
Avg of Sector
-0.49%
S&P500
OppFi, Inc. is a tech-enabled, mission-driven specialty finance platform that broadens the reach of community banks to extend credit access to everyday Americans. It supports consumers, who are turned away by mainstream options, to build better financial health, through transparency, responsible lending, financial inclusion, and an excellent customer experience. The company was founded by Todd G. Schwartz and Theodore Schwartz in 2012 and is headquartered in Chicago, IL.
Unit : USD
| QTR | Non-GAAP EPS | EPS YoY | EPS Surprise % | Sales | Sales YoY | Sales Surprise % | NPM |
|---|---|---|---|---|---|---|---|
| Current | |||||||
| 2025Q4 | |||||||
| 2025Q3 | |||||||
| 2025Q2 | |||||||
| 2025Q1 |
The most recent financial report for Oppfi inc. wt (OPFI-WT) covers the period of 2025Q4 and was published on 2025/12/31. 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-WT's short-term business performance and financial health. For the latest updates on OPFI-WT's earnings releases, visit this page regularly.
According to historical valuation range analysis, Oppfi inc. wt (OPFI-WT)'s current price-to-earnings (P/E) ratio is 4.11, placing it in the Undervalued 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 conservative. Investors are advised to further examine the company's fundamentals and its position in the industry cycle to validate whether the valuation is justified.
According to the latest financial report, Oppfi inc. wt (OPFI-WT) reported an Operating Profit of 57.5M with an Operating Margin of 36.11% this period, representing a growth of 133.06% 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.
In the latest financial report, Oppfi inc. wt (OPFI-WT) announced revenue of 159.25M, with a Year-Over-Year growth rate of 17.33%. 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.
As of the end of the reporting period, Oppfi inc. wt (OPFI-WT) had total debt of 339.29M, with a debt ratio of 0.45. Long-term debt comprises a higher/lower proportion. The level of financial leverage directly impacts the company's capital structure and interest coverage. If debt is high, pay attention to interest expenses and refinancing risks. Conversely, a low-leverage structure indicates greater risk tolerance but potentially less growth flexibility.
At the end of the period, Oppfi inc. wt (OPFI-WT) held Total Cash and Cash Equivalents of 93.26M, accounting for 0.12 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.
In the latest report, Oppfi inc. wt (OPFI-WT) achieved the “three margins increasing” benchmark, with a gross margin of 129.31%%, operating margin of 36.11%%, and net margin of 10.58%%. 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-WT's profit trajectory and future growth potential.
According to the past four quarterly reports, Oppfi inc. wt (OPFI-WT)'s earnings per share (EPS) shows a steady growth trend, with the latest EPS at 0.61. If EPS continues to rise due to revenue growth and cost optimization, it can support P/E valuation recovery and attract long-term investors.
Oppfi inc. wt (OPFI-WT)'s Free Cash Flow (FCF) for the period is 116.84M, calculated as Operating Cash Flow minus Capital Expenditures, representing a rise of 29.67% 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.
The latest valuation data shows Oppfi inc. wt (OPFI-WT) has a Price-To-Earnings (PE) ratio of 4.11 and a Price/Earnings-To-Growth (PEG) ratio of -0.07. A PEG below 1 usually suggests the market is underestimating growth potential, while a PEG above 1 indicates high growth expectations are already priced in. Investors should conduct a comprehensive valuation by considering historical growth, market forecasts, and industry cycles.