Share Price | OppFi, Inc. Stock Analysis & Recommendation

Q: Is OppFi, Inc. overvalued or undervalued?

As of 7 May 2025, the valuation grade for OppFi, Inc. has moved from attractive to risky, indicating a shift in perception regarding its financial health and market position. The company appears to be overvalued, particularly when considering its high Price to Book Value of 55.68 and a P/E Ratio of 13, which is relatively low compared to its peers. The EV to EBITDA ratio stands at 8.68, suggesting that the company may not be generating sufficient earnings relative to its enterprise value.In comparison to its peers, OppFi, Inc. has a P/E of 11.96, which is higher than The Arena Group Holdings, Inc. at 9.76, but significantly lower than Crexendo, Inc. at 60.67, indicating a mixed competitive landscape. The PEG Ratio of 0.18 further emphasizes that the stock may be priced too high relative to its growth prospects. Notably, OppFi has significantly outperformed the S&P 500 with a 1Y return of 177.29% compared to the index's 17.14%, which may not be sustainable given its current valuation metrics.

Q: Is OppFi, Inc. technically bullish or bearish?

As of 14 July 2025, the technical trend for OppFi, Inc. has changed from bullish to mildly bullish. The current stance is mildly bullish, supported by daily moving averages and weekly Dow Theory indicators. However, the MACD and KST on a weekly basis are mildly bearish, which tempers the overall bullish sentiment. Bollinger Bands are bullish on both weekly and monthly time frames. The stock has shown strong performance compared to the S&P 500, with a year-to-date return of 57.83% versus 12.22% for the index, and a one-year return of 177.29% compared to 17.14%.

Q: What does OppFi, Inc. do?

Overview: OppFi, Inc. operates in the Computers - Software & Consulting industry and is categorized as a micro-cap company.Financial Snapshot: Most recent Net Sales: 140 Million (Quarterly Results - Mar 2025) Most recent Net Profit: 20 Million (Quarterly Results - Mar 2025) Market-cap: USD 1,058.13 Million (Micro Cap)Key Metrics: P/E: 13.00 Dividend Yield: 0.00% Debt Equity: 9.48 Return on Equity: 417.43% Price to Book: 46.92Contact Details: Registrar Address: Not available.

Price Point

High/Low

1Day

52 Week

Valuation

Technical

Day's Volume

CASH

1.35 M

Shareholding (Jun 2026)

FII

2.24%

Held by 50 FIIs

DII

97.76%

Held by 10 DIIs

Promoter

0.00%

Is OppFi, Inc. overvalued or undervalued?

20-Sep-2025

As of May 7, 2025, OppFi, Inc. is considered risky due to its high Price to Book Value of 55.68 and low P/E Ratio of 13 compared to peers, despite a strong 1Y return of 177.29%, suggesting it may be overvalued relative to its growth prospects.

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Is OppFi, Inc. technically bullish or bearish?

20-Sep-2025

As of July 14, 2025, OppFi, Inc. has a mildly bullish trend, supported by daily moving averages and weekly indicators, despite some bearish signals from MACD and KST, while outperforming the S&P 500 with a year-to-date return of 57.83%.

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How big is OppFi, Inc.?

22-Jun-2025

As of Jun 18, OppFi, Inc. has a market capitalization of 1,058.13 million, with net sales of 538.88 million and a net profit of 94.10 million for the latest four quarters. The balance sheet shows shareholder's funds of 32.77 million and total assets of 641.17 million.

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What does OppFi, Inc. do?

22-Jun-2025

OppFi, Inc. is a micro-cap company in the Computers - Software & Consulting industry, with recent net sales of $140 million and a net profit of $20 million. Key metrics include a P/E ratio of 13.00 and a return on equity of 417.43%.

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Compare OppFi, Inc. with Similar Stocks

DecisionPoint Systems, Inc.BuzzFeed, Inc.Crexendo, Inc.

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Dashboard

High Management Efficiency with a high ROCE of 43.52%

Healthy long term growth as Operating profit has grown by an annual rate 64.98%

With a growth in Net Profit of 82.73%, the company declared Very Positive results in Jun 25

Consistent Returns over the last 3 years

Mojo Parameters

Stock DNA

Industry

Computers - Software & Consulting

Market cap

USD 667 Million (Small Cap)

P/E

5.00

Industry P/E

Dividend Yield

0.00%

Debt Equity

4.06

Return on Equity

250.06%

Price to Book

11.41

Revenue and Profits:

Net Sales:

145 Million

(Quarterly Results - Jun 2026)

Net Profit:

16 Million

Total Returns

Total Returns (Price + Dividend)

TimePeriod

Price Return

Dividend Return

Total Return

3 Months

-22.54%

6 Months

-20.75%

1 Year

-45.99%

2 Years

49.77%

3 Years

162.25%

4 Years

151.15%

5 Years

-13.62%

OppFi, Inc. for the last several years.

Risk Adjusted Returns v/s

News & Corporate Actions

News

No Recent News for the Company

Announcements

No announcement available

Corporate Actions

No corporate action available

Key Factors

Quality key factors

Factor

Value

Sales Growth (5y)

-3.01%

EBIT Growth (5y)

43.68%

EBIT to Interest (avg)

3.48

Debt to EBITDA (avg)

2.31

Net Debt to Equity (avg)

9.48

Sales to Capital Employed (avg)

1.51

Tax Ratio

5.49%

Dividend Payout Ratio

Pledged Shares

Institutional Holding

94.80%

ROCE (avg)

43.52%

ROE (avg)

481.10%

Valuation key factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

11.41

EV to EBIT

4.31

EV to EBITDA

4.21

EV to Capital Employed

3.06

EV to Sales

1.52

PEG Ratio

0.14

Dividend Yield

ROCE (Latest)

70.96%

ROE (Latest)

250.06%

Technicals key factors

Indicator

Weekly

Monthly

MACD

Bearish

Mildly Bearish

RSI

No Signal

Bollinger Bands

Mildly Bearish

Moving Averages

Mildly Bearish (Daily)

KST

Bearish

Mildly Bearish

Dow Theory

Mildly Bullish

Mildly Bearish

OBV

Mildly Bullish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Shareholding

Shareholding Snapshot : Jun 2026

Shareholding Compare (%holding)

Majority shareholders

Domestic Funds

Held in 36 Schemes (7.61%)

Foreign Institutions

Held by 50 Foreign Institutions (2.24%)

Strategic Entities with highest holding

Highest Public shareholder

Financial

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    "header": "Quarterly Results Snapshot (Consolidated) - Jun'26 - QoQ",
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          "val2": "73.00",
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          "field": "Interest",
          "val1": "8.10",
          "val2": "8.50",
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          "val1": "0.00",
          "val2": "0.00",
          "chgp": "",
          "chgp_class": "neutral"
        },
        {
          "field": "Consolidate Net Profit",
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          "val2": "54.00",
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          "chgp_class": "negative"
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          "field": "Operating Profit Margin (Excl OI)",
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        "prefix": "Consolidated Net Profit ",
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        "dir": -1
      }
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        "Dec'25",
        "Dec'24",
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          "val1": "198.40",
          "val2": "165.20",
          "chgp": "20.10%",
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        },
        {
          "field": "Interest",
          "val1": "39.40",
          "val2": "44.70",
          "chgp": "-11.86%",
          "chgp_class": "positive"
        },
        {
          "field": "Exceptional Items",
          "val1": "1.40",
          "val2": "-3.00",
          "chgp": "146.67%",
          "chgp_class": "positive"
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          "val2": "83.80",
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Quarterly Results Snapshot (Consolidated) - Jun'26 - QoQ

Jun'26

Mar'26

Change(%)

Net Sales

145.20

151.90

-4.41%

Operating Profit (PBDIT) excl Other Income

34.20

73.00

-53.15%

Interest

8.10

8.50

-4.71%

Exceptional Items

0.00

Consolidate Net Profit

15.60

54.00

-71.11%

Operating Profit Margin (Excl OI)

225.10%

429.10%

-20.40%

USD in Million.

Compare with Peers

Net Sales

QoQ Growth in quarter ended Jun 2026 is -4.41% vs -4.65% in Mar 2026

Consolidated Net Profit

QoQ Growth in quarter ended Jun 2026 is -71.11% vs 40.63% in Mar 2026

All Quarterly Results

Annual Results Snapshot (Consolidated) - Dec'25

Dec'25

Dec'24

Change(%)

Net Sales

597.00

526.00

13.50%

Operating Profit (PBDIT) excl Other Income

198.40

165.20

20.10%

Interest

39.40

44.70

-11.86%

Exceptional Items

1.40

-3.00

146.67%

Consolidate Net Profit

146.20

83.80

74.46%

Operating Profit Margin (Excl OI)

323.70%

254.70%

6.90%

USD in Million.

Compare with Peers

Net Sales

YoY Growth in year ended Dec 2025 is 13.50% vs 2.75% in Dec 2024

Consolidated Net Profit

YoY Growth in year ended Dec 2025 is 74.46% vs 112.15% in Dec 2024

All Annual Results

Company CV

About OppFi, Inc.

OppFi, Inc.

Computers - Software & Consulting

No Details Available.

Company Coordinates

No Company Details Available