OppFi Inc - Class A
Research OppFi Inc - Class A (OPFI) on Bullrun: valuation model: 194.2% undervalued, market cap USD 496.46M, P/E 3.4. Explore financials, valuation history, model signals, and stock context.
Key Metrics
- TickerOPFI
- ExchangeNYSE
- CountryUnited States
- SectorFinancial Services
- IndustryCredit Services
- CurrencyUSD
- Valuation signal194.2% undervalued
- Market capUSD 496.46M
- P/E3.4
- Financial periodQ2 2026
- RevenueUSD 145.17M
- Net incomeUSD 14.84M
- Free cash flowUSD 87.41M
- Gross margin83.2%
Valuation Snapshot
Bullrun's latest valuation model marks OppFi Inc - Class A as 194.2% undervalued; latest market cap is USD 496.46M; P/E is 3.4.
Peer valuation comparison
Latest P/E is 3.43x versus a Financial Services sector median of 13.41x (74.4% below).
Latest P/E is 3.43x versus a United States median of 23.75x (85.6% 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 | USD 508.95M | -USD 1.01M | USD 287.16M | 78.9% | -0.06 | USD 31.79M | USD 349.18M | USD 10.44M |
| FY2022 | USD 452.86M | USD 7.10M | USD 230.05M | 79.0% | 0.05 | USD 16.24M | USD 363.62M | -USD 494.00K |
Valuation history
| Year | Snapshot date | Market cap | P/E | Dividend yield | Annual dividend/share |
|---|---|---|---|---|---|
| 2026 | 2026-10-12 | USD 496.46M | 3.4 | 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.
Related stock research
Other Financial Services stocks
Frequently asked questions
Is OppFi Inc - Class A overvalued or undervalued?
Bullrun's valuation model currently marks OppFi Inc - Class A as 194.2% undervalued.
What is OppFi Inc - Class A's market cap?
OppFi Inc - Class A's market capitalization is USD 496.46M.
What is OppFi Inc - Class A's P/E ratio?
OppFi Inc - Class A's price-to-earnings (P/E) ratio is 3.4.
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.