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STOCKS

Oppfi Inc (OPFI)

NYSE:OPFI

OPFI

OppFi

RESEARCH TOOLSreports

OppFi (OPFI) Ratios

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703 Followers

OppFi Ratios

OPFI's free cash flow for Q3 2025 was $0.84. For the 2025 fiscal year, OPFI's free cash flow was decreased by $ and operating cash flow was $0.64. See a summary of the company’s cash flow.

Ratios	TTM	Dec 24	Dec 23	Dec 22	Dec 21
Liquidity Ratios
Current Ratio	8.54	9.43	10.48	17.26	7.75
Quick Ratio	8.54	9.43	10.48	17.26	7.75
Cash Ratio	0.63	1.03	0.62	0.55	0.43
Solvency Ratio	0.02	0.04	0.03	0.05	0.10
Operating Cash Flow Ratio	5.24	5.41	5.75	8.23	2.88
Short-Term Operating Cash Flow Coverage	0.00	0.00	0.00	0.00	7.46
Net Current Asset Value	$ 173.73M	$ 157.06M	$ 131.76M	$ 89.47M	$ 106.24M
Leverage Ratios
Debt-to-Assets Ratio	0.46	0.52	0.58	0.63	0.55
Debt-to-Equity Ratio	6.73	10.13	33.45	-736.07	-30.31
Debt-to-Capital Ratio	0.87	0.91	0.97	1.00	1.03
Long-Term Debt-to-Capital Ratio	0.87	0.91	0.97	1.00	1.04
Financial Leverage Ratio	14.58	19.56	57.62	-1.17K	-55.54
Debt Service Coverage Ratio	3.92	1.67	0.94	1.58	5.22
Interest Coverage Ratio	1.77	0.52	0.99	-0.18	417.93
Debt to Market Cap	0.39	2.07	3.96	12.17	4.57
Interest Debt Per Share	15.90	25.53	24.15	28.66	20.74
Net Debt to EBITDA	0.79	0.88	6.85	6.28	2.11
Profitability Margins
Gross Profit Margin	82.30%	80.00%	76.43%	76.11%	71.69%
EBIT Margin	62.33%	56.84%	8.21%	0.68%	25.74%
EBITDA Margin	63.47%	58.67%	9.11%	12.22%	33.72%
Operating Profit Margin	27.97%	17.97%	9.11%	-1.40%	16.33%
Pretax Profit Margin	22.82%	16.74%	8.21%	0.68%	25.70%
Net Profit Margin	0.68%	1.38%	-0.20%	1.57%	7.29%
Continuous Operations Profit Margin	21.23%	15.94%	7.76%	0.74%	25.61%
Net Income Per EBT	2.96%	8.24%	-2.40%	231.73%	28.36%
EBT Per EBIT	81.60%	93.14%	90.20%	-48.30%	157.37%
Return on Assets (ROA)	0.54%	1.13%	-0.17%	1.22%	5.09%
Return on Equity (ROE)	13.12%	22.15%	-9.63%	-1436.84%	-282.68%
Return on Capital Employed (ROCE)	24.74%	16.26%	8.43%	-1.15%	12.90%
Return on Invested Capital (ROIC)	23.02%	15.48%	7.96%	-1.26%	12.23%
Return on Tangible Assets	0.54%	1.13%	-0.17%	1.22%	5.09%
Earnings Yield	1.53%	4.70%	-1.20%	24.89%	42.58%
Efficiency Ratios
Receivables Turnover	1.06	1.11	1.09	0.98	0.90
Payables Turnover	32.70	119.66	27.01	17.07	16.27
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	17.52	21.68	22.65	16.39	23.94
Asset Turnover	0.80	0.82	0.85	0.78	0.70
Working Capital Turnover Ratio	1.09	1.06	1.05	1.04	1.14
Cash Conversion Cycle	333.71	327.09	320.21	349.32	381.65
Days of Sales Outstanding	344.87	330.14	333.72	370.71	404.09
Days of Inventory Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Payables Outstanding	11.16	3.05	13.51	21.38	22.44
Operating Cycle	344.87	330.14	333.72	370.71	404.09
Cash Flow Ratios
Operating Cash Flow Per Share	14.24	16.07	18.07	17.49	12.66
Free Cash Flow Per Share	13.54	15.43	17.52	16.53	11.57
CapEx Per Share	0.70	0.65	0.55	0.95	1.09
Free Cash Flow to Operating Cash Flow	0.95	0.96	0.97	0.95	0.91
Dividend Paid and CapEx Coverage Ratio	4.53	21.05	15.41	16.71	1.58
Capital Expenditure Coverage Ratio	20.35	24.89	32.94	18.36	11.64
Operating Cash Flow Coverage Ratio	1.14	0.98	0.85	0.67	0.61
Operating Cash Flow to Sales Ratio	0.66	0.62	0.58	0.54	0.48
Free Cash Flow Yield	43.36%	201.40%	342.17%	806.53%	254.91%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	65.39	21.26	-83.51	4.02	2.35
Price-to-Sales (P/S) Ratio	1.45	0.29	0.16	0.06	0.17
Price-to-Book (P/B) Ratio	5.13	4.71	8.04	-57.74	-6.64
Price-to-Free Cash Flow (P/FCF) Ratio	2.31	0.50	0.29	0.12	0.39
Price-to-Operating Cash Flow Ratio	0.67	0.48	0.28	0.12	0.36
Price-to-Earnings Growth (PEG) Ratio	0.02	-0.03	0.75	-0.05	-0.03
Price-to-Fair Value	5.13	4.71	8.04	-57.74	-6.64
Enterprise Value Multiple	3.07	1.38	8.66	6.79	2.61
Enterprise Value	1.12B	425.02M	401.31M	375.90M	308.97M
EV to EBITDA	3.07	1.38	8.66	6.79	2.61
EV to Sales	1.95	0.81	0.79	0.83	0.88
EV to Free Cash Flow	3.10	1.37	1.40	1.63	2.02
EV to Operating Cash Flow	2.95	1.31	1.36	1.55	1.85
Tangible Book Value Per Share	10.42	11.63	11.84	11.44	11.94
Shareholders’ Equity Per Share	1.86	1.63	0.64	-0.04	-0.68
Tax and Other Ratios
Effective Tax Rate	0.07	0.05	0.06	-0.09	<0.01
Revenue Per Share	21.55	26.11	31.05	32.55	26.52
Net Income Per Share	0.15	0.36	-0.06	0.51	1.93
Tax Burden	0.03	0.08	-0.02	2.32	0.28
Interest Burden	0.37	0.29	1.00	1.00	1.00
Research & Development to Revenue	0.00	0.04	0.05	0.00	0.00
SG&A to Revenue	0.07	0.08	0.07	0.06	0.10
Stock-Based Compensation to Revenue	0.02	0.01	<0.01	<0.01	<0.01
Income Quality	3.11	3.86	-294.67	72.84	1.86

Currency in USD