OppFi Statistics

Share Statistics

OppFi has 86.81M shares outstanding. The number of shares has increased by -22.17% in one year.

Shares Outstanding	86.81M
Shares Change (YoY)	-22.17%
Shares Change (QoQ)	0.47%
Owned by Institutions (%)	48.77%
Shares Floating	131.92M
Failed to Deliver (FTD) Shares	41,849
FTD / Avg. Volume	3.07%

Short Selling Information

The latest short interest is 6.46M, so 24.69% of the outstanding shares have been sold short.

Short Interest	6.46M
Short % of Shares Out	24.69%
Short % of Float	24.88%
Short Ratio (days to cover)	5.19

Valuation Ratios

The PE ratio is 21.26 and the forward PE ratio is 7.13. OppFi's PEG ratio is -0.03.

PE Ratio	21.26
Forward PE	7.13
PS Ratio	0.29
Forward PS	2.5
PB Ratio	4.71
P/FCF Ratio	0.5
PEG Ratio	-0.03

Financial Ratio History

Enterprise Valuation

OppFi has an Enterprise Value (EV) of 425.02M.

EV / Sales	0.81
EV / EBITDA	1.38
EV / EBIT	1.31
EV / FCF	1.37

Financial Position

The company has a current ratio of 9.43, with a Debt / Equity ratio of 10.13.

Current Ratio	9.43
Quick Ratio	9.43
Debt / Equity	10.13
Debt / EBITDA	1.08
Debt / FCF	1.07
Interest Coverage	0.52

Financial Efficiency

Return on Equity is 22.15% and Return on Invested Capital is 15.48%.

Return on Equity	22.15%
Return on Assets	1.13%
Return on Invested Capital	15.48%
Revenue Per Employee	$1.18M
Profits Per Employee	$16.31K
Employee Count	445
Asset Turnover	0.82
Inventory Turnover	n/a

Taxes

Income Tax	4.21M
Effective Tax Rate	4.79%

Stock Price Statistics

The stock price has increased by 136.44% in the last 52 weeks. The beta is 1.72, so OppFi's price volatility has been higher than the market average.

Beta	1.72
52-Week Price Change	136.44%
50-Day Moving Average	12.5
200-Day Moving Average	10.16
Relative Strength Index (RSI)	43.2
Average Volume (20 Days)	1,362,149

Income Statement

In the last 12 months, OppFi had revenue of 525.96M and earned 7.26M in profits. Earnings per share was 0.36.

Revenue	525.96M
Gross Profit	420.78M
Operating Income	94.54M
Net Income	7.26M
EBITDA	308.6M
EBIT	298.98M
Earnings Per Share (EPS)	0.36

Full Income Statement

Balance Sheet

The company has 61.34M in cash and 332.05M in debt, giving a net cash position of -270.71M.

Cash & Cash Equivalents	61.34M
Total Debt	332.05M
Net Cash	-270.71M
Retained Earnings	-55.13M
Total Assets	673.38M
Working Capital	-29.84M

Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was 323.81M and capital expenditures -13.01M, giving a free cash flow of 310.8M.

Operating Cash Flow	323.81M
Capital Expenditures	-13.01M
Free Cash Flow	310.8M
FCF Per Share	15.43

Full Cash Flow Statement

Margins

Gross margin is 80%, with operating and profit margins of 17.97% and 1.38%.

Gross Margin	80%
Operating Margin	17.97%
Pretax Margin	16.74%
Profit Margin	1.38%
EBITDA Margin	58.67%
EBIT Margin	17.97%
FCF Margin	59.09%

Dividends & Yields

OPFI pays an annual dividend of $0.37, which amounts to a dividend yield of 4.67%.

Dividend Per Share	$0.37
Dividend Yield	4.67%
Dividend Growth (YoY)	108.33%
Payout Ratio	-90.24%
Earnings Yield	4.7%
FCF Yield	201.4%

Dividend Details

Analyst Forecast

The average price target for OPFI is $11.75, which is 7.8% higher than the current price. The consensus rating is "Buy".

Price Target	$11.75
Price Target Difference	7.8%
Analyst Consensus	Buy
Analyst Count	2

Stock Forecasts

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value	$1.8
Lynch Upside	-83.49%
Graham Number	3.63
Graham Upside	-66.7%

Scores

Altman Z-Score	3.28
Piotroski F-Score	3

OppFi Inc. (OPFI)