What is OppFi's EV / EBITDA?

OppFi (OPFI) reported EV / EBITDA of 0.7× in Q1 2026.

How has OppFi's EV / EBITDA changed year-over-year?

OppFi's EV / EBITDA decreased by 33.1% year-over-year, from 1× to 0.7×.

What is the long-term trend for OppFi's EV / EBITDA?

Over 3 years (2022 to 2025), OppFi's EV / EBITDA has grown at a 74.6% compound annual growth rate (CAGR), from -0.2× to 1.2×.

What does EV / EBITDA mean?

Enterprise value (market cap plus total debt minus cash) at the quarter end divided by trailing-twelve-month EBITDA. A capital-structure-neutral valuation multiple.

OppFi OPFI EV / EBITDA

EV / EBITDA at other companies

Enova InternationalENVA

10×+0.7×

Upstart Holdings, Inc.UPST

53.9×—

World AcceptanceWRLD

7.1×+2.2×

Q2 HoldingsQTWO

26.3×-95.4×

SoFi Technologies, Inc.SOFI

8.8×+0.1×

Blue Owl CapitalOWL

10.8×-8.2×

Other financials

Income statement

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Revenue$87.3M-3.9%

Operating income$35.4M-16.8%

Net income$28.4M+350%

EPS (diluted)$0.56+217%

Balance sheet

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Cash & equivalents$99.9M+10.1%

Total debt$10.9M-14.9%

Total equity$75.7M+235%

Total assets$720.0M+12.5%

Cash flow

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Operating cash flow$90.8M+8.4%

CapEx$5.1M+17.2%

Free cash flow$85.6M+7.9%

Valuation

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Market cap$751.46M+123%

Enterprise value$662.47M+156%

P/E11.4×-22.5×

P/S2×+1.0×

Profitability

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Operating margin42.2%+4.5pp

Net margin17.5%+14.7pp

FCF margin102.9%+11.8pp

Returns & leverage

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Return on equity134.6%+85.9pp

Debt / equity0.1×-0.4×

Current ratio0.3×—

Where this comes from

Calculated from OppFi’s reported figures.

enterprise value/ebitda=0.7×

Based on the most recent quarter.

The official record: OppFi’s 10-Q, filed May 7, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is OppFi's EV / EBITDA?: OppFi (OPFI) reported EV / EBITDA of 0.7× in Q1 2026.
How has OppFi's EV / EBITDA changed year-over-year?: OppFi's EV / EBITDA decreased by 33.1% year-over-year, from 1× to 0.7×.
What is the long-term trend for OppFi's EV / EBITDA?: Over 3 years (2022 to 2025), OppFi's EV / EBITDA has grown at a 74.6% compound annual growth rate (CAGR), from -0.2× to 1.2×.
What does EV / EBITDA mean?: Enterprise value (market cap plus total debt minus cash) at the quarter end divided by trailing-twelve-month EBITDA. A capital-structure-neutral valuation multiple.