OPFI - OppFi Inc. | BullzEye View

OPFI

$9.21 +0.00 (+0.00%)

Pre-Market: $9.20 0.01 (-0.11%)

Last updated: Jul 15, 2026 09:19

52-Week Range

$9.20

$7.36 $9.20 $12.60

Fundamentals Overview

OppFi Inc. is in the middle of its 52-week range with attractive valuation, trading relatively flat today.

Valuation attractive

P/E 3.7 PEG 0 P/B 3.26 P/S 1.29

Intrinsic value (DCF)

+220.3% upside vs price

Profitability

Net margin 10.9%

Risk (Beta)

1.77 — higher vol

Earnings & growth

EPS $2.49 Rev -4.6% Profit +68.6% vs prior qtr

BullzEye Analysis

Our composite tilts Hold on technicals (e.g. RSI, ADX, trend), fundamentals, sentiment, sector and index context, and risk.

Composite Signal

Sell

Buy

Hold — 57% confidence Risk: High Volatility — Beta 1.77. Consider smaller position size due to higher beta.

Supporting (Buy):

DCF +220.3% upside vs price · Analyst grade: B

Pressures (Sell):

Beta 1.77 (elevated)

Not financial advice. For education and research only; do your own research and consider a financial advisor before investing.

Key Stats

Market Cap

$785.62M

P/E (TTM)

3.69

EPS (TTM)

$2.49

Dividend Yield

N/A

52-Week Range

$7.36 - $12.60

Volume vs Avg

N/A

Beta

1.77

About

OppFi Inc. provides a financial technology platform that enables banks to extend various lending solutions. This platform notably features several distinct financial instruments: the OppLoan, a standard installment loan; SalaryTap, an installment loan secured via payroll deduction; and the OppFi Card, a dedicated credit card. OppFi's headquarters are situated in Chicago, Illinois.

Sector: Financial Services

Headquarters: US

Employees: 410

IPO Date: Nov 2020

Website: www.oppfi.com

Beta: 1.77 (More volatile than market)

Ratings & Grades at a Glance

Overall rating: B.

Financial story & AI narrative

Open this tab to load the financial story.

Valuation & Ratios

Valuation, liquidity, and profitability metrics are consolidated here (including ratios that previously appeared in the Financials story). Trailing (TTM) vs forward-looking (e.g. DCF) is noted on each line where it matters.

DCF vs price: DCF estimate is $29.47; current price is $9.20. That’s a +220.3% gap. When the gap is large (e.g. >20%), that’s divergence; when they’re close, that’s convergence. Differences can reflect growth expectations, sector premiums, or conservative vs. optimistic assumptions. Use DCF as one input alongside technicals and sentiment.

Metric	Value
Valuation
P/E (TTM)	3.69
DCF value (model)	$29.47 (220.3% upside)
PEG (TTM)	0
P/B (TTM)	3.26
P/S (TTM)	1.29
P/FCF (TTM)	2
Liquidity & enterprise
Current Ratio (TTM)	1.14
Quick Ratio (TTM)	1.14
Cash Ratio (TTM)	1.14
Profitability
ROE (TTM)	N/A
ROA (TTM)	N/A
Revenue growth (YoY)	N/A
Net margin (TTM)	10.86%
Gross margin (TTM)	98.11%
Operating margin (TTM)	35.48%
Debt to equity (TTM)	N/A

Latest News

News loads when you open this tab.

Price Target, Ratings & Grades

Analyst price targets, consensus, rating snapshot, and institutional grades for OPFI.

Analyst Sentiment at a Glance

Consensus Target

$11.00

High Target

$11.00

Low Target

$11.00

Median Target

$11.00

Stock Grades (Institutions)

No stock grades available for this symbol.