OppFi OPFI Ratios & Valuation
| Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | ||
|---|---|---|---|---|---|---|
| Profitability | ||||||
| Operating margin | 42.2%-1.5pp | 43.7%+1.1pp | 42.6%+2.1pp | 40.5%+2.8pp | 37.7%+8.3pp | |
| Net margin | 17.5%+10.6pp | 6.9%+0.7pp | 6.2%+10.1pp | -3.8%-6.7pp | 2.8%-5.5pp | |
| EBITDA margin | 43.3%-1.8pp | 45.1%+0.7pp | 44.3%+1.7pp | 42.6%+2.4pp | 40.2%+7.8pp | |
| Free cash flow margin | 102.9%+2.6pp | 100.3%+4.5pp | 95.7%+3.7pp | 92%+1.0pp | 91.1%-5.6pp | |
| Returns | ||||||
| Return on equity | 134.6%+76.9pp | 57.7%+2.1pp | 55.6%+143pp | -87%-136pp | 48.8%-75.4pp | |
| Return on assets | 9.7%+5.9pp | 3.8%+0.3pp | 3.5%+5.7pp | -2.2%-3.9pp | 1.7%-2.7pp | |
| Efficiency | ||||||
| Asset turnover | 0.6×0.0× | 0.5×0.0× | 0.6×0.0× | 0.6×0.0× | 0.6×+0.1× | |
| Leverage | ||||||
| Debt-to-equity | 0.1×-0.1× | 0.2×0.0× | 0.2×-0.7× | 0.9×+0.4× | 0.6×+0.2× | |
| Debt-to-assets | 0×0.0× | 0×0.0× | 0×0.0× | 0×0.0× | 0×0.0× | |
| Net debt / EBITDA | -0.5×-0.1× | -0.5×-0.1× | -0.4×0.0× | -0.4×+0.1× | -0.6×+0.2× | |
| Per Share | ||||||
| Book value per share | $0.88-60.2% | $2.21+294% | $0.56+11.6% | $0.50-47.3% | $0.95-41.5% | |
| Valuation | ||||||
| Market capitalization | $799.28M+138% | $289.37M-9.9% | $321.29M-15.2% | $378.98M+68.2% | $225.31M+38.6% | |
| Enterprise value | $710.29M+175% | $207.53M-19.6% | $258.01M-17.6% | $313.1M+112% | $147.38M+68.4% | |
| Price / earnings | 12.1×-21.8× | 11×-2.7× | 13.7×— | —— | 22.7×+16.6× | |
| Price / sales | 2.1×+1.2× | 0.8×-0.1× | 0.9×-0.2× | 1×+0.4× | 0.6×+0.1× | |
| Price / book | 10.6×-4.3× | 4.9×-1.6× | 6.5×-21.9× | 28.4×+18.4× | 10×+5.0× | |
| EV / EBITDA | 4.3×+2.5× | 1.2×-0.3× | 1.5×-0.5× | 2×+1.0× | 1×+0.2× | |
| EV / sales | 1.9×+1.1× | 0.5×-0.1× | 0.7×-0.2× | 0.9×+0.4× | 0.4×+0.1× | |
| Free cash flow yield | 48.6%-45.9pp | 132.1%+19.9pp | 112.2%+24.0pp | 88.2%-52.9pp | 141.1%-50.2pp | |
| Earnings yield | 8.3%+5.3pp | 9.1%+1.8pp | 7.3%+11.0pp | -3.7%-8.1pp | 4.4%-12.1pp | |
| PEG ratio | 0×-0.2× | —— | 0.1×— | —— | 0.2×— |
Chart any of these lines over time, or line them up against competitors.
Compare these in charts →Questions, answered.
- Where do OppFi's ratios come from?
- Every ratio is computed from OppFi's SEC filings — trailing-twelve-month flows over period-end balances. Valuation multiples combine those fundamentals with market data, recomputed each period. Switch between quarterly, annual, and TTM, or open any ratio for its full history and peer comparisons.
