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STOCKS

OppFi (OPFI)

NYSE:OPFI

OPFI

OppFi

RESEARCH TOOLSreports

OppFi (OPFI) Ratios

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702 Followers

OppFi Ratios

OPFI's free cash flow for Q4 2025 was $1.29. For the 2025 fiscal year, OPFI's free cash flow was decreased by $ and operating cash flow was $-0.52. See a summary of the company’s cash flow.

Ratios	TTM	Dec 25	Dec 24	Dec 23	Dec 22
Liquidity Ratios
Current Ratio	7.44	7.44	9.43	10.48	9.24
Quick Ratio	7.44	7.44	9.43	10.48	9.24
Cash Ratio	1.08	1.08	1.03	0.62	0.29
Solvency Ratio	0.07	0.07	0.04	0.03	0.05
Operating Cash Flow Ratio	4.72	4.67	5.41	5.75	4.41
Short-Term Operating Cash Flow Coverage	6.16	6.09	0.00	0.00	0.00
Net Current Asset Value	$ 194.28M	$ 194.28M	$ 157.06M	$ 131.76M	$ 89.47M
Leverage Ratios
Debt-to-Assets Ratio	0.45	0.45	0.52	0.58	0.63
Debt-to-Equity Ratio	5.80	5.80	10.13	33.45	-736.07
Debt-to-Capital Ratio	0.85	0.85	0.91	0.97	1.00
Long-Term Debt-to-Capital Ratio	0.85	0.85	0.91	0.97	1.00
Financial Leverage Ratio	12.89	12.89	19.56	57.62	-1.17K
Debt Service Coverage Ratio	1.99	1.81	1.67	6.16	6.97
Interest Coverage Ratio	6.50	4.91	0.52	0.99	-0.18
Debt to Market Cap	0.55	1.40	2.07	3.98	12.17
Interest Debt Per Share	13.92	14.29	25.53	24.15	28.66
Net Debt to EBITDA	1.23	1.23	0.88	1.09	1.42
Profitability Margins
Gross Profit Margin	95.09%	95.09%	80.00%	78.89%	78.99%
EBIT Margin	32.74%	32.74%	56.84%	54.58%	51.05%
EBITDA Margin	33.61%	33.61%	58.67%	57.08%	54.05%
Operating Profit Margin	32.37%	32.37%	17.97%	9.11%	-1.40%
Pretax Profit Margin	26.15%	26.15%	16.74%	8.21%	0.68%
Net Profit Margin	4.41%	4.41%	1.38%	-0.20%	1.57%
Continuous Operations Profit Margin	24.49%	24.49%	15.94%	7.76%	0.74%
Net Income Per EBT	16.86%	16.86%	8.24%	-2.40%	231.73%
EBT Per EBIT	80.79%	80.79%	93.14%	90.20%	-48.30%
Return on Assets (ROA)	3.49%	3.49%	1.13%	-0.17%	1.22%
Return on Equity (ROE)	73.23%	45.02%	22.15%	-9.63%	-1436.84%
Return on Capital Employed (ROCE)	28.92%	28.92%	16.26%	8.43%	-1.21%
Return on Invested Capital (ROIC)	24.66%	24.66%	15.48%	7.96%	-1.21%
Return on Tangible Assets	3.49%	3.49%	1.13%	-0.17%	1.22%
Earnings Yield	12.26%	9.50%	4.70%	-1.20%	24.89%
Efficiency Ratios
Receivables Turnover	1.09	1.09	1.11	1.09	0.98
Payables Turnover	10.58	10.58	119.66	24.19	15.01
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	0.00	0.00	21.68	22.65	16.39
Asset Turnover	0.79	0.79	0.82	0.85	0.78
Working Capital Turnover Ratio	1.09	1.13	1.06	1.08	1.07
Cash Conversion Cycle	299.44	299.44	327.09	318.63	346.39
Days of Sales Outstanding	333.94	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	34.50	34.50	3.05	15.09	24.32
Operating Cycle	333.94	333.94	330.14	333.72	370.71
Cash Flow Ratios
Operating Cash Flow Per Share	15.33	15.14	16.07	18.07	17.49
Free Cash Flow Per Share	14.60	14.42	15.43	17.52	16.53
CapEx Per Share	0.72	0.72	0.65	0.55	0.95
Free Cash Flow to Operating Cash Flow	0.95	0.95	0.96	0.97	0.95
Dividend Paid and CapEx Coverage Ratio	4.83	4.78	21.05	15.41	16.71
Capital Expenditure Coverage Ratio	21.25	21.00	24.89	32.94	18.36
Operating Cash Flow Coverage Ratio	1.20	1.18	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	54.74%	137.85%	201.40%	342.17%	806.53%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	8.15	10.53	21.26	-83.51	4.02
Price-to-Sales (P/S) Ratio	1.18	0.46	0.29	0.16	0.06
Price-to-Book (P/B) Ratio	3.67	4.74	4.71	8.04	-57.74
Price-to-Free Cash Flow (P/FCF) Ratio	1.83	0.73	0.50	0.29	0.12
Price-to-Operating Cash Flow Ratio	0.53	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	3.67	4.74	4.71	8.04	-57.74
Enterprise Value Multiple	4.75	2.61	1.38	1.38	1.54
Enterprise Value	953.21M	523.28M	425.02M	401.31M	375.90M
EV to EBITDA	4.75	2.61	1.38	1.38	1.54
EV to Sales	1.60	0.88	0.81	0.79	0.83
EV to Free Cash Flow	2.46	1.37	1.37	1.40	1.63
EV to Operating Cash Flow	2.35	1.30	1.31	1.36	1.55
Tangible Book Value Per Share	11.65	11.65	11.63	11.84	11.44
Shareholders’ Equity Per Share	2.21	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	22.52	22.52	26.11	31.05	32.55
Net Income Per Share	0.99	0.99	0.36	-0.06	0.51
Tax Burden	0.17	0.17	0.08	-0.02	2.32
Interest Burden	0.80	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	0.06	0.06	0.08	0.07	0.06
Stock-Based Compensation to Revenue	0.03	0.02	0.01	<0.01	<0.01
Income Quality	2.78	2.74	3.86	-294.67	72.84

Currency in USD