OppFi Inc - Class A
Research OppFi Inc - Class A (OPFI) on Bullrun: valuation model: 116.8% undervalued, market cap USD 622.70M, P/E 4.3. Explore financials, valuation history, model signals, and stock context.
Key Metrics
- TickerOPFI
- ExchangeNYSE
- CountryUnited States
- SectorFinancial Services
- IndustryCredit Services
- CurrencyUSD
- Valuation signal116.8% undervalued
- Market capUSD 622.70M
- P/E4.3
- Financial periodQ1 2026
- RevenueUSD 151.88M
- Net incomeUSD 66.10M
- Free cash flowUSD 388.47M
- Gross margin85.0%
Valuation Snapshot
Bullrun's latest valuation model marks OppFi Inc - Class A as 116.8% undervalued; latest market cap is USD 622.70M; P/E is 4.3.
Peer valuation comparison
Latest P/E is 4.3x versus a Financial Services sector median of 13.84x (68.9% below).
Latest P/E is 4.3x versus a United States median of 24.87x (82.7% below).
Five-year financial history
| Year | Revenue | Net income | Free cash flow | Gross margin | Diluted EPS | Cash | Total debt | Equity |
|---|---|---|---|---|---|---|---|---|
| FY2025 | USD 597.05M | USD 26.33M | USD 382.19M | 83.2% | 0.99 | USD 49.45M | USD 332.78M | USD 58.48M |
| FY2024 | USD 525.96M | USD 7.26M | USD 310.80M | 80.0% | 0.36 | USD 61.34M | USD 332.05M | USD 32.77M |
| FY2023 | n/a | -USD 1.01M | USD 287.16M | n/a | -0.06 | USD 31.79M | USD 349.18M | USD 10.44M |
| FY2022 | n/a | USD 7.10M | USD 230.05M | n/a | 0.05 | USD 16.24M | USD 353.81M | -USD 494.00K |
Valuation history
| Year | Snapshot date | Market cap | P/E | Dividend yield | Annual dividend/share |
|---|---|---|---|---|---|
| 2026 | 2026-08-25 | USD 622.70M | 4.3 | n/a | n/a |
| 2025 | 2025-12-31 | USD 285.27M | n/a | 2.4% | 0.25 |
| 2024 | 2024-12-31 | USD 168.80M | 40.3 | 1.6% | 0.12 |
| 2023 | 2023-12-29 | USD 91.13M | 85.3 | n/a | n/a |
| 2022 | 2022-12-30 | USD 29.74M | 2.1 | n/a | n/a |
| 2021 | 2021-12-31 | USD 61.89M | 2.6 | n/a | n/a |
Dividend history
| Year | Dividends/share |
|---|---|
| FY2025 | 0.25 USD |
| FY2024 | 0.12 USD |
About OppFi Inc - Class A
OppFi Inc., a tech-enabled digital finance platform, provides financial products and services for banks in the United States. The company offers installment loans through OppLoans platform. It serves consumers who are turned away by mainstream options. OppFi Inc. was founded in 2012 and is based in Chicago, Illinois.
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Frequently asked questions
Is OppFi Inc - Class A overvalued or undervalued?
Bullrun's valuation model currently marks OppFi Inc - Class A as 116.8% undervalued.
What is OppFi Inc - Class A's market cap?
OppFi Inc - Class A's market capitalization is USD 622.70M.
What is OppFi Inc - Class A's P/E ratio?
OppFi Inc - Class A's price-to-earnings (P/E) ratio is 4.3.
What does OppFi Inc - Class A do?
OppFi Inc., a tech-enabled digital finance platform, provides financial products and services for banks in the United States. The company offers installment loans through OppLoans platform. It serves consumers who are turned away by mainstream options. OppFi Inc. was founded in 2012 and is based in Chicago, Illinois.