OppFi OPFI Ratios & Valuation
| FY'25 | FY'24 | FY'23 | FY'22 | ||
|---|---|---|---|---|---|
| Profitability | |||||
| Operating margin | 43.7%+14.3pp | 29.4%+12.4pp | 17%+19.9pp | -2.9%-24.6pp | |
| Net margin | 6.9%-1.4pp | 8.3%+8.7pp | -0.4%-3.6pp | 3.3%+0.9pp | |
| EBITDA margin | 45.1%+12.7pp | 32.4%+10.8pp | 21.6%+18.3pp | 3.3%-22.3pp | |
| Free cash flow margin | 100.3%+3.6pp | 96.7%-8.4pp | 105.1%-0.9pp | 106%+48.0pp | |
| Returns | |||||
| Return on equity | 57.7%-66.5pp | 124.2%— | —— | —— | |
| Return on assets | 3.8%-0.5pp | 4.3%+4.5pp | -0.2%-1.5pp | 1.3%-0.3pp | |
| Efficiency | |||||
| Asset turnover | 0.5×0.0× | 0.5×+0.1× | 0.5×+0.1× | 0.4×-0.3× | |
| Leverage | |||||
| Debt-to-equity | 0.2×-0.2× | 0.4×-1.2× | 1.6×— | —— | |
| Debt-to-assets | 0×0.0× | 0×0.0× | 0×0.0× | 0×— | |
| Net debt / EBITDA | -0.5×+0.2× | -0.7×+0.3× | -1×+3.4× | -4.4×— | |
| Per Share | |||||
| Book value per share | $2.21+35.6% | $1.63+155% | $0.64+10,895% | -$0.01+94.5% | |
| Valuation | |||||
| Market capitalization | $751.46M+138% | $162.53M+75.5% | $92.61M+210% | $29.85M-92.2% | |
| Enterprise value | $662.47M+175% | $87.54M+149% | $35.18M+2,243% | -$1.64M— | |
| Price / earnings | 11.4×-20.5× | 6.1×— | —— | 4.2×-57.6× | |
| Price / sales | 2×+1.1× | 0.5×+0.2× | 0.3×+0.2× | 0.1×-1.3× | |
| Price / book | 10.6×-4.3× | 5×-3.9× | 8.9×— | —— | |
| EV / EBITDA | 4.3×+2.5× | 0.8×+0.2× | 0.6×+0.8× | -0.2×— | |
| EV / sales | 1.9×+1.1× | 0.3×+0.1× | 0.1×+0.1× | -0×— | |
| Free cash flow yield | 48.6%-45.9pp | 191.2%-119pp | 310.1%-460pp | 770.6%+731pp | |
| Earnings yield | 8.3%+5.3pp | 16.5%+17.6pp | -1.1%-24.9pp | 23.8%+22.2pp | |
| Dividend yield | 2.2%+0.8pp | 1.5%— | —— | 0%— |
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.
