Fundamentals snapshot
OPFI · NYQ · Financial Services · Credit Services
Current price
$5.62
52-week range
$5.36 - $11.69
Market cap
$478.87M
One-glance verdict
We don't put a cash-flow fair value on banks and insurers. For these companies the reported 'cash flow' is really just money moving between loans, deposits and trades — not the leftover profit the owners could actually pocket — so the usual method would print a misleading number.
Balance sheet
Net debt $246.94M. Interest coverage shows how many times profit covers the interest bill.
What stands out
What this company does
OppFi is a technology company that helps banks offer financial products, mainly installment loans (loans paid back in regular, fixed amounts), to people who might not qualify for traditional bank loans. The money the company makes primarily comes from the fees and interest it earns on these loans. This matters because it shows OppFi is providing a service to a segment of the population that other lenders overlook, and its success depends on managing these loans effectively.
Price history
Earnings history
Click any quarter to read the call summary and what the numbers say.
Is it cheap or expensive?
For a bank or insurer, the "free cash flow" shown on its statements is mostly money flowing through loans, deposits and trades — not the leftover profit the owners could actually keep, which is what this kind of valuation needs. Running that through the usual method would spit out a meaningless number, so we leave the cash-flow fair value out here rather than show you something misleading.
Is it drowning in debt?
Net debt $246.9M. Interest coverage unavailable.
OppFi Inc. is healthier than 0 of 1 peers on balance-sheet leverage.
Total debt $349.64M Interest coverage — This is the baseline the peer rows are being compared against.
What you should know
The numbers
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Valuation
Profitability
Health
Growth
Cash flow
Dividend
Metric explainer
Debt comparison
What you should know