OppFi Inc. · Finance Services

OPFI

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The short version

A profitable company with shrinking sales. Institutions are adding.

Going well

Raised its dividend (4.6% yield)
Profitable
Sales up 19% last year

Watch out for

Sales down 14% in the latest quarter vs a year ago
High debt: 5.49x equity

Money moves

No insider buying or selling in the last 30 days
Institutions added 9.7% to their holdings in the quarter ending June 2026 (86 bought, 71 sold)

Facts from SEC filings, not a recommendation.

What the price means

Price as of Oct 26

$5.47+0.9% that day

Company value: $478M; Share price times all shares
Price vs profit (P/E): 2.6x; You pay about $3 for each $1 of yearly profit
Price vs sales: 1.3x; Company value is 1.3 times a year of sales
Dividend yield: 4.6%; Yearly dividend as a share of today's price
Cash vs value: 13%; Cash as a share of company value
Debt vs value: 67%; Debt as a share of company value

From OPFI's last IEX trade and its SEC filings (profits and sales over the last four quarters). A starting point for research, not a verdict.

The business over time

Last 12 quarters, from SEC filings

Sales, Jun '26

$86.2M-14% vs a year earlier

Sep '23Tap a barJun '26

Last 12 months: $363.6M, up 0.2% from the 12 months before. Over 5 years, sales grew about 14% a year.

What the price assumes

Your guesses, our math

Move the sliders to your own view of OPFI. Starting points are the company's recent numbers.

Sales growth0% a yearRecently: +0.2% a yearProfit margin28%Last 12 months: 28.0%P/E at the end8xToday: 2.6x. Many steady companies trade at 12x to 25xShare count change-2% a yearBelow zero means buybacks; above zero means new shares (dilution)

Sales in 5 years$364M

Profit in 5 years$102M

Price these guesses point to$10.32+89% vs $5.47 todayAbout +14% a year, before dividends

What today's price needs: with a 28% margin and a 8x P/E, sales could shrink about 12% a year for 5 years and still match today's price.

Simple math on your guesses, not a forecast or a price target. Real results depend on many things these sliders leave out.

Price

Price chart by TradingView.

Business quality

The checklist Warren Buffett-style investors use. Annual numbers for 2025.

3/6Mixed

PassReturn on equity 15%+Earns a lot on the money owners have in the business.57.7%
MissDebt under half of equityNot relying on borrowed money.5.49x equity
MissNet margin 10%+Keeps at least 10 cents of profit from each dollar of sales.6.9%
MissProfitable every yearSteady profits, not one good year.6 of 7 years
PassFree cash flow positiveBrings in more cash than it spends to run and grow.$401.3M
PassShare count not growingNot diluting owners. Falling means buybacks.-5.6% in 3 years

Revenue: $381.2M; +18.6% vs prior year
5-year growth: +13.7%/yr; revenue, per year
Total debt: $321.4M; 5.49x equity
Free cash flow: $401.3M; 105.3% of revenue

From annual reports filed with the SEC. Gross margin doesn't apply to banks and insurers, so it isn't scored. A checklist is a starting point for research, not a verdict.