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OppFi (OPFI)
NYSE:OPFI
US Market
OPFI
OppFi
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OppFi (OPFI) Ratios

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OppFi Ratios

OPFI's free cash flow for Q1 2026 was $0.96. For the 2026 fiscal year, OPFI's free cash flow was decreased by $ and operating cash flow was $0.44. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 1.14 7.44 9.43 10.48 9.24
Quick Ratio
 1.14 7.44 9.43 10.48 9.24
Cash Ratio
 1.14 0.58 1.03 0.62 0.29
Solvency Ratio
 0.19 0.07 0.04 0.03 0.05
Operating Cash Flow Ratio
 7.36 4.67 5.41 5.75 4.41
Short-Term Operating Cash Flow Coverage
 7.36 0.00 0.00 0.00 0.00
Net Current Asset Value
$ -313.14M$ 194.28M$ 157.06M$ 131.76M$ 89.47M
Leverage Ratios
Debt-to-Assets Ratio
 0.42 0.44 0.52 0.58 0.63
Debt-to-Equity Ratio
 3.98 5.69 10.13 33.45 -736.07
Debt-to-Capital Ratio
 0.80 0.85 0.91 0.97 1.00
Long-Term Debt-to-Capital Ratio
 0.76 0.85 0.91 0.97 1.00
Financial Leverage Ratio
 9.52 12.89 19.56 57.62 -1.17K
Debt Service Coverage Ratio
 1.92 4.85 1.67 6.16 6.97
Interest Coverage Ratio
 7.71 4.91 0.52 0.99 -0.18
Debt to Market Cap
 0.38 1.16 2.07 3.98 12.17
Interest Debt Per Share
 12.28 14.04 25.53 24.15 28.66
Net Debt to EBITDA
 1.36 1.41 0.88 1.09 1.42
Profitability Margins
Gross Profit Margin
98.11%95.09%80.00%78.89%78.99%
EBIT Margin
27.94%32.74%56.84%54.58%51.05%
EBITDA Margin
28.60%33.61%58.67%57.08%54.05%
Operating Profit Margin
35.48%32.37%17.97%9.11%-1.40%
Pretax Profit Margin
31.56%26.15%16.74%8.21%0.68%
Net Profit Margin
10.86%4.41%1.38%-0.20%1.57%
Continuous Operations Profit Margin
29.56%24.49%15.94%7.76%0.74%
Net Income Per EBT
34.41%16.86%8.24%-2.40%231.73%
EBT Per EBIT
88.97%80.79%93.14%90.20%-48.30%
Return on Assets (ROA)
9.18%3.49%1.13%-0.17%1.22%
Return on Equity (ROE)
134.28%45.02%22.15%-9.63%-1436.84%
Return on Capital Employed (ROCE)
32.53%28.92%16.26%8.43%-1.21%
Return on Invested Capital (ROIC)
148.72%27.09%15.48%7.96%-1.21%
Return on Tangible Assets
9.18%3.49%1.13%-0.17%1.22%
Earnings Yield
28.67%9.50%4.70%-1.20%24.89%
Efficiency Ratios
Receivables Turnover
 1.21 1.09 1.11 1.09 0.98
Payables Turnover
 6.23 10.58 119.66 24.19 15.01
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 14.99 16.37 21.68 22.65 16.39
Asset Turnover
 0.85 0.79 0.82 0.85 0.78
Working Capital Turnover Ratio
 2.17 1.13 1.06 1.08 1.07
Cash Conversion Cycle
 242.76 299.44 327.09 318.63 346.39
Days of Sales Outstanding
 301.37 333.94 330.14 333.72 370.71
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 58.61 34.50 3.05 15.09 24.32
Operating Cycle
 301.37 333.94 330.14 333.72 370.71
Cash Flow Ratios
Operating Cash Flow Per Share
 15.43 15.14 16.07 18.07 17.49
Free Cash Flow Per Share
 11.49 14.42 15.43 17.52 16.53
CapEx Per Share
 3.94 0.72 0.65 0.55 0.95
Free Cash Flow to Operating Cash Flow
 0.74 0.95 0.96 0.97 0.95
Dividend Paid and CapEx Coverage Ratio
 2.60 4.78 21.05 15.41 16.71
Capital Expenditure Coverage Ratio
 3.92 21.00 24.89 32.94 18.36
Operating Cash Flow Coverage Ratio
 1.37 1.21 0.98 0.85 0.67
Operating Cash Flow to Sales Ratio
 0.68 0.67 0.62 0.58 0.54
Free Cash Flow Yield
41.86%137.85%201.40%342.17%806.53%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 3.61 10.53 21.26 -83.51 4.02
Price-to-Sales (P/S) Ratio
 1.25 0.46 0.29 0.16 0.06
Price-to-Book (P/B) Ratio
 3.16 4.74 4.71 8.04 -57.74
Price-to-Free Cash Flow (P/FCF) Ratio
 2.48 0.73 0.50 0.29 0.12
Price-to-Operating Cash Flow Ratio
 0.58 0.69 0.48 0.28 0.12
Price-to-Earnings Growth (PEG) Ratio
 >-0.01 0.06 -0.03 0.75 -0.05
Price-to-Fair Value
 3.16 4.74 4.71 8.04 -57.74
Enterprise Value Multiple
 5.74 2.79 1.38 1.38 1.54
Enterprise Value
 972.20M 560.58M 425.02M 401.31M 375.90M
EV to EBITDA
 5.59 2.79 1.38 1.38 1.54
EV to Sales
 1.60 0.94 0.81 0.79 0.83
EV to Free Cash Flow
 3.16 1.47 1.37 1.40 1.63
EV to Operating Cash Flow
 2.35 1.40 1.31 1.36 1.55
Tangible Book Value Per Share
 12.81 11.65 11.63 11.84 11.44
Shareholders’ Equity Per Share
 2.83 2.21 1.63 0.64 -0.04
Tax and Other Ratios
Effective Tax Rate
 0.06 0.06 0.05 0.06 -0.09
Revenue Per Share
 22.73 22.52 26.11 31.05 32.55
Net Income Per Share
 2.47 0.99 0.36 -0.06 0.51
Tax Burden
 0.34 0.17 0.08 -0.02 2.32
Interest Burden
 1.13 0.80 0.29 0.15 0.01
Research & Development to Revenue
 0.00 0.00 0.04 0.00 0.00
SG&A to Revenue
 0.15 0.15 0.17 0.07 0.06
Stock-Based Compensation to Revenue
 0.02 0.02 0.01 <0.01 <0.01
Income Quality
 2.68 2.74 3.86 -294.67 72.84
Currency in USD