OppFi Inc (OPFI) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
OppFi Inc stock (OPFI) is currently trading at $7.91. OppFi Inc PE ratio is 8.04. OppFi Inc PS ratio (Price-to-Sales) is 2.01. Analyst consensus price target for OPFI is $14.33. WallStSmart rates OPFI as Hold.
- OPFI PE ratio analysis and historical PE chart
- OPFI PS ratio (Price-to-Sales) history and trend
- OPFI intrinsic value — DCF, Graham Number, EPV models
- OPFI stock price prediction 2025 2026 2027 2028 2029 2030
- OPFI fair value vs current price
- OPFI insider transactions and insider buying
- Is OPFI undervalued or overvalued?
- OppFi Inc financial analysis — revenue, earnings, cash flow
- OPFI Piotroski F-Score and Altman Z-Score
- OPFI analyst price target and Smart Rating
OppFi Inc
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OPFI Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · OppFi Inc (OPFI)
OPFI trades at a significant discount to its Graham intrinsic value of $46.33, offering a 81% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
OppFi Inc (OPFI) · 9 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in return on equity, operating margin, eps growth. Fundamentals are solid but monitor weak areas for improvement.
OppFi Inc (OPFI) Key Strengths (4)
Every $100 of shareholder equity generates $54 in profit
Keeps $41 of every $100 in revenue after operating costs
Earnings per share surging 266.40% year-over-year
84.64% of shares held by major funds and institutions
Supporting Valuation Data
OppFi Inc (OPFI) Areas to Watch (5)
Premium pricing at 3.6x book value
Modest revenue growth at 9.20%
Thin profit margins with limited profitability
Small-cap company with higher risk but more growth potential
Revenue is fairly priced at 2.01x sales
OppFi Inc (OPFI) Detailed Analysis Report
Overall Assessment
This company scores 62/100 in our Smart Analysis, earning a C+ grade. Out of 9 metrics analyzed, 4 register as strengths (avg 10.0/10) while 5 fall into concern territory (avg 4.6/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Return on Equity, Operating Margin, EPS Growth. Profitability is solid with Return on Equity at 53.90%, Operating Margin at 40.60%. Growth metrics are encouraging with EPS Growth at 266.40%.
The Bear Case
The primary concerns are Price/Book, Revenue Growth, Profit Margin. Some valuation metrics including Price/Sales (2.01), Price/Book (3.60) suggest expensive pricing. Growth concerns include Revenue Growth at 9.20%, which may limit upside. Profitability pressure is visible in Profit Margin at 7.70%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Price/Book improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 53.90% currently healthy but needing to be sustained. Third, growth sustainability, with Revenue Growth at 9.20% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. There are more areas of concern than strength, warranting a more conservative position size. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (Return on Equity, Operating Margin) and negatives (Price/Book, Revenue Growth). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
OPFI Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
OPFI's Price-to-Sales ratio of 2.01x trades 219% above its historical average of 0.63x (89th percentile), historically expensive. The current valuation is 21% below its historical high of 2.54x set in Nov 2020, and 1576% above its historical low of 0.12x in Apr 2023. Over the past 12 months, the PS ratio has expanded from ~0.5x, reflecting growing market expectations outpacing revenue growth.
WallStSmart Analysis Synopsis
Data-driven financial summary for OppFi Inc (OPFI) · FINANCIAL SERVICES › CREDIT SERVICES
The Big Picture
OppFi Inc operates as a stable business with moderate growth and solid fundamentals. Revenue reached 342M with 9% growth year-over-year. Profit margins are thin at 7.7%, typical for companies in this phase that are reinvesting heavily in growth.
Key Findings
ROE of 5390.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
Generating 117M in free cash flow and 122M in operating cash flow. Earnings are translating into actual cash generation.
Debt-to-equity ratio of 6.73 is elevated. High leverage amplifies both gains and losses and increases financial risk.
What to Watch Next
Margin expansion: can OppFi Inc push profit margins above 15% as the business scales?
Volatility is elevated with a beta of 1.76, so expect amplified moves relative to the broader market.
Debt management: total debt of 333M is significantly higher than cash (45M). Monitor refinancing risk.
Sector dynamics: monitor CREDIT SERVICES industry trends, competitive moves, and regulatory changes that could impact OppFi Inc.
Bottom Line
OppFi Inc offers stability with moderate growth and solid fundamentals. The valuation may present an opportunity for patient investors, though limited growth means returns will likely come from dividends and modest capital appreciation rather than explosive gains.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About OppFi Inc(OPFI)
NYSE
FINANCIAL SERVICES
CREDIT SERVICES
USA
OppFi Inc. is a leading financial technology company focused on providing consumer lending solutions tailored for the underbanked demographic. Utilizing its innovative proprietary platform, the company enhances financial accessibility through fair and transparent loan offerings, supported by advanced data analytics and machine learning for precise credit assessments. OppFi's commitment to responsible lending and continuous innovation in the fintech landscape positions it favorably for growth, enabling it to seize emerging market opportunities while promoting the financial wellness of its customers. As a publicly traded entity, OppFi is dedicated to advancing financial empowerment and accessibility for those historically underserved by traditional banking systems.