OppFi Inc. (OPFI)
OppFi Statistics
Share Statistics
OppFi has 86.4M shares outstanding. The number of shares has increased by -22.5% in one year.
| Shares Outstanding | 86.4M |
| Shares Change (YoY) | -22.5% |
| Shares Change (QoQ) | 0.22% |
| Owned by Institutions (%) | 59.46% |
| Shares Floating | 79.99M |
| Failed to Deliver (FTD) Shares | 69 |
| FTD / Avg. Volume | < 0.01% |
Short Selling Information
The latest short interest is 4.74M, so 5.5% of the outstanding shares have been sold short.
| Short Interest | 4.74M |
| Short % of Shares Out | 5.5% |
| Short % of Float | 5.95% |
| Short Ratio (days to cover) | 3.07 |
Valuation Ratios
The PE ratio is 21.26 and the forward PE ratio is 15.14. OppFi's PEG ratio is -0.03.
| PE Ratio | 21.26 |
| Forward PE | 15.14 |
| PS Ratio | 0.29 |
| Forward PS | 1.4 |
| PB Ratio | 0.66 |
| P/FCF Ratio | 0.48 |
| PEG Ratio | -0.03 |
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 | 1.31 |
Financial Position
The company has a current ratio of 9.43, with a Debt / Equity ratio of 1.42.
| Current Ratio | 9.43 |
| Quick Ratio | 9.43 |
| Debt / Equity | 1.42 |
| Debt / EBITDA | 1.08 |
| Debt / FCF | 1.03 |
| Interest Coverage | 0.52 |
Financial Efficiency
Return on Equity is 3.1% and Return on Invested Capital is 15.48%.
| Return on Equity | 3.1% |
| 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 291.97% in the last 52 weeks. The beta is 1.66, so OppFi's price volatility has been higher than the market average.
| Beta | 1.66 |
| 52-Week Price Change | 291.97% |
| 50-Day Moving Average | 11.44 |
| 200-Day Moving Average | 6.95 |
| Relative Strength Index (RSI) | 47.36 |
| Average Volume (20 Days) | 2.14M |
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 |
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 | 0 |
| Total Assets | 641.17M |
| Working Capital | 504.22M |
Cash Flow
In the last 12 months, operating cash flow was 323.81M and capital expenditures 0, giving a free cash flow of 323.81M.
| Operating Cash Flow | 323.81M |
| Capital Expenditures | 0 |
| Free Cash Flow | 323.81M |
| FCF Per Share | 16.07 |
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 | 61.56% |
Dividends & Yields
OPFI pays an annual dividend of $0.37, which amounts to a dividend yield of 2.68%.
| Dividend Per Share | $0.37 |
| Dividend Yield | 2.68% |
| Dividend Growth (YoY) | 108.33% |
| Payout Ratio | 102.78% |
| Earnings Yield | 4.7% |
| FCF Yield | 209.83% |
Analyst Forecast
The average price target for OPFI is $7.5, which is -23.2% lower than the current price. The consensus rating is "Buy".
| Price Target | $7.5 |
| Price Target Difference | -23.2% |
| Analyst Consensus | Buy |
| Analyst Count | 2 |
Scores
| Altman Z-Score | 3.83 |
| Piotroski F-Score | 7 |