OppFi
OPFI
5.93
-0.16
-2.63%
OppFi
US · OPFI
#3731 by market cap
5.93
-0.16
-2.63%
Live - 5344 symbols - heartbeat 110s ago
· 2026-10-09 20:02
✦ Quant Financial Health how this is computed
Good
- Altman Z-Score is 3.97, above the 3.0 "safe zone" threshold.
- Most reliable for industrial/manufacturing companies; less meaningful for banks, insurers and other financials.
Revenue annual, last 7 years
Latest year +13.52% YoY
Margins
- Gross margin
- 83.24%
- Operating margin
- 64.07%
- Net margin
- 4.41%
Key ratios & quality
- PEG ratioi
- 0.04
- Altman Z-Scorei
- 3.97
PEG uses trailing P/E against the 3-year net income growth rate (54.80%/yr) since forward earnings estimates aren't available here, so this is not a "forward PEG." Altman Z-Score below ~1.8 suggests financial distress risk, above ~3.0 suggests low risk; the model is most reliable for industrial/manufacturing companies and less meaningful for banks and other financial firms.
Income statement
| Line item | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|
| Revenue | 229.12M | 291.01M | 350.57M | 452.86M | 508.95M | 525.96M | 597.05M |
| Gross profit | 205.44M | 246.82M | 261.40M | 357.72M | 401.52M | 420.78M | 496.99M |
| Selling & admin expenses | 24.22M | 38.11M | 88.94M | 87.54M | 86.66M | 89.87M | 91.71M |
| Research & development | -- | -- | -- | -- | -- | -- | -- |
| Operating profit | 55.43M | 98.74M | 143.35M | 231.19M | 277.77M | 298.98M | 382.55M |
| Pretax profit | 33.00M | 77.52M | 90.11M | 3.06M | 41.81M | 88.05M | 156.13M |
| Tax | 0 | 0 | 311.00K | -277.00K | 2.33M | 4.22M | 9.89M |
| Net profit | 33.00M | 77.52M | 89.80M | 3.34M | 39.48M | 83.84M | 146.25M |
| Basic EPS | 3 | 6 | 2 | 1 | 0 | 0 | 1 |
| Diluted EPS | 2.54 | 5.97 | 0.48 | 0.05 | -0.06 | 0.36 | 0.99 |
| Line item | 2025-03 | 2025-06 | 2025-09 | 2025-12 | 2026-03 | 2026-06 |
|---|---|---|---|---|---|---|
| Revenue | 140.27M | 142.44M | 155.09M | 159.25M | 151.88M | 145.17M |
| Gross profit | 116.24M | 115.05M | 130.50M | 135.20M | 129.12M | 120.75M |
| Selling & admin expenses | 17.94M | 21.63M | 25.54M | 25.14M | 23.59M | 30.73M |
| Research & development | -- | -- | -- | -- | -- | -- |
| Operating profit | 91.95M | 87.01M | 98.98M | 104.61M | 99.95M | 83.35M |
| Pretax profit | 22.04M | 12.70M | 81.58M | 39.81M | 58.01M | 25.46M |
| Tax | 1.65M | 1.22M | 5.65M | 1.36M | 3.97M | 9.84M |
| Net profit | 20.39M | 11.48M | 75.93M | 38.44M | 54.04M | 15.61M |
| Basic EPS | 0 | -1 | 1 | 1 | 1 | 0 |
| Diluted EPS | -0.48 | -0.78 | 0.77 | 0.63 | 0.56 | 0.18 |
Balance sheet
| Line item | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|
| Total current assets | -- | 267.90M | 450.47M | 510.16M | 539.28M | 564.02M | 639.50M |
| Cash & ST investments | -- | 25.60M | 25.06M | 16.24M | 31.79M | 61.34M | 49.45M |
| Inventory | -- | -- | -- | -- | -- | -- | -- |
| Total assets | -- | 285.84M | 502.11M | 579.84M | 601.54M | 641.17M | 754.09M |
| Total current liabilities | -- | 44.43M | 35.70M | 55.18M | 51.47M | 59.80M | 85.98M |
| Short-term debt | -- | 16.03M | -- | -- | -- | -- | -- |
| Long-term debt | -- | 142.08M | 274.02M | 347.06M | 334.12M | 318.76M | 321.35M |
| Total liabilities | -- | 186,511,000.00 | 344,228,000.00 | 420,689,000.00 | 407,514,000.00 | 406,958,000.00 | 445,214,000.00 |
| Total equity | -- | 99.33M | 157.88M | 159.15M | 194.03M | 234.21M | 308.88M |
| Retained earnings | -- | 92.32M | -70.72M | -63.55M | -63.59M | -55.13M | -33.51M |
| Line item | 2025-03 | 2025-06 | 2025-09 | 2025-12 | 2026-03 | 2026-06 |
|---|---|---|---|---|---|---|
| Total current assets | 550.64M | 573.79M | 617.09M | 639.50M | 602.48M | 588.15M |
| Cash & ST investments | 57.95M | 45.23M | 45.45M | 49.45M | 63.87M | 64.35M |
| Inventory | -- | -- | -- | -- | -- | -- |
| Total assets | 640.07M | 673.38M | 720.62M | 754.09M | 719.99M | 770.73M |
| Total current liabilities | 65.75M | 67.37M | 72.27M | 85.98M | 41.61M | 64.63M |
| Short-term debt | -- | -- | -- | -- | -- | -- |
| Long-term debt | 288.00M | 305.90M | 320.84M | 321.35M | 284.26M | 276.45M |
| Total liabilities | 403,308,000.00 | 455,670,000.00 | 443,361,000.00 | 445,214,000.00 | 377,005,000.00 | 356,474,000.00 |
| Total equity | 236.76M | 217.71M | 277.25M | 308.88M | 342.98M | 414.26M |
| Retained earnings | -72.17M | -91.53M | -49.80M | -33.51M | -5.18M | 9.73M |
Cash flow
| Line item | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|
| Operating cash flow | 148.92M | 192.11M | 167.35M | 243.30M | 296.15M | 323.81M | 401.31M |
| Depreciation & amortization | 4.28M | 6.73M | 10.28M | 13.58M | 12.74M | 9.62M | 5.16M |
| Free cash flow | 142.28M | 181.39M | 152.97M | 230.05M | 287.16M | 310.80M | 382.19M |
| Dividends paid | -9.49M | -15.78M | -51.02M | -1.31M | -10.23M | -44.77M | -64.91M |
| Stock buybacks / issuance | -- | 0 | 0 | -2.46M | 0 | -3.55M | -15.52M |
| Ending cash balance | 35.98M | 45.66M | 62.36M | 49.67M | 73.94M | 88.29M | 93.26M |
| Line item | 2025-03 | 2025-06 | 2025-09 | 2025-12 | 2026-03 | 2026-06 |
|---|---|---|---|---|---|---|
| Operating cash flow | 83.74M | 95.62M | 105.12M | 116.82M | 90.78M | 92.03M |
| Depreciation & amortization | 1.76M | 1.50M | 1.13M | 764.00K | 591.00K | 1.51M |
| Free cash flow | 79.35M | 90.98M | 99.94M | 111.93M | 85.63M | 87.41M |
| Dividends paid | -11.25M | -43.03M | -10.40M | -240.00K | -10.37M | -12.45M |
| Stock buybacks / issuance | 0 | 0 | -7.35M | -8.16M | -9.95M | -1.25M |
| Ending cash balance | 90.77M | 78.27M | 75.19M | 93.26M | 99.92M | 91.85M |
Returns & efficiency
| Line item | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|
| ROE %i | -- | 83.65 | 61.11 | -- | -20.21 | 33.59 | 57.70 |
| ROA %i | -- | 27.12 | 6.49 | 1.31 | -0.17 | 1.17 | 3.77 |
| ROIC %i | -- | 38.60 | 18.39 | -- | -0.28 | 2.00 | 6.96 |
| 5-year avg ROE %i | -- | -- | -- | -- | -- | -- | -- |
| EBIT margin %i | 23.41 | 33.26 | 31.96 | 7.92 | 8.22 | 56.84 | 64.07 |
| FCF / sales %i | 62.10 | 62.33 | 43.64 | 50.80 | 56.42 | 59.09 | 64.01 |
| Current ratioi | -- | 6.03 | 12.62 | 9.24 | 10.48 | 9.43 | 7.44 |
| Quick ratioi | -- | 5.58 | 11.58 | 8.63 | 9.66 | 8.98 | 6.93 |
| Debt / assetsi | -- | 55.31 | 54.57 | 62.71 | 58.05 | 51.79 | 44.13 |
| LT debt / equityi | -- | 153.31 | -- | -- | 3,344.61 | 1,013.16 | 569.01 |
| Interest coveragei | 2.60 | 5.02 | 5.11 | 1.09 | -- | -- | -- |
| Revenue CAGR (3Y) %i | -- | -- | -- | 25.50 | 20.48 | 14.48 | 9.65 |
| Net income CAGR (3Y) %i | -- | -- | -- | -40.08 | -- | -34.27 | 54.80 |
| FCF CAGR (3Y) %i | -- | -- | -- | 17.37 | 16.55 | 26.65 | 18.44 |
| Line item | 2025-03 | 2025-06 | 2025-09 | 2025-12 | 2026-03 | 2026-06 |
|---|---|---|---|---|---|---|
| ROE %i | -47.39 | -209.49 | 9.19 | 57.70 | 134.62 | 47.58 |
| ROA %i | -1.60 | -5.37 | 0.58 | 3.77 | 9.72 | 14.09 |
| ROIC %i | -2.94 | -10.06 | 1.02 | 6.96 | 19.04 | 19.70 |
| 5-year avg ROE %i | -- | -- | -- | -- | -- | -- |
| EBIT margin %i | 59.67 | 61.09 | 62.33 | 64.07 | 64.16 | 63.28 |
| FCF / sales %i | 58.98 | 60.20 | 62.83 | 64.01 | 63.82 | 62.96 |
| Current ratioi | 8.37 | 8.52 | 8.54 | 7.44 | 14.48 | 9.10 |
| Quick ratioi | 7.88 | 8.03 | 8.13 | 6.93 | 13.61 | 8.67 |
| Debt / assetsi | 47.00 | 47.27 | 46.18 | 44.13 | 41.00 | 37.22 |
| LT debt / equityi | 1,334.10 | 2,383.94 | 673.28 | 569.01 | 390.18 | 69.25 |
| Interest coveragei | -- | -- | -- | -- | -- | -- |
| Revenue CAGR (3Y) %i | -- | -- | -- | -- | -- | -- |
| Net income CAGR (3Y) %i | -- | -- | -- | -- | -- | -- |
| FCF CAGR (3Y) %i | -- | -- | -- | -- | -- | -- |
Revenue breakdown most recent period
Business
Single segment100.00%
Quote time 2026-10-09 20:02:38 · For reference only, not investment advice and not tailored to your situation.
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