---
title: "OppFi Inc. (OPFI.US)"
type: "Symbol"
locale: "en"
url: "https://longbridge.com/en/quote/OPFI.US.md"
symbol: "OPFI.US"
name: "OppFi Inc."
industry: "Consumer Finance"
datetime: "2026-05-20T09:39:16.475Z"
locales:
  - [en](https://longbridge.com/en/quote/OPFI.US.md)
  - [zh-CN](https://longbridge.com/zh-CN/quote/OPFI.US.md)
  - [zh-HK](https://longbridge.com/zh-HK/quote/OPFI.US.md)
---

# OppFi Inc. (OPFI.US)

## Company Overview

OppFi Inc., a tech-enabled digital finance platform, provides financial products and services for banks in the United States. The company offers installment loans through OppLoans platform. It serves consumers who are turned away by mainstream options. OppFi Inc.

| Item | Detail |
|------|--------|
| Industry | Consumer Finance |
| Exchange | US Market |
| Website | [www.oppfi.com](https://www.oppfi.com) |

## Key Drivers
> *AI-analyzed key factors driving this stock's performance*


## Longbridge Financial Score™: B
> *Longbridge Financial Score™ — Proprietary multi-factor rating model by Longbridge*
> Updated: 2026-05-20T04:30:16.000Z

**Overall: B (0.30)**

**Industry**: Consumer Finance

| Metric | Value |
|--------|-------|
| Industry Ranking | 15 / 57 |
| Industry Median | C |
| Industry Average | C |

- **Style**: Blend - Stocks in which the company has both growth and mature businesses.
- **Scale**: Small - The company's operation has a high degree of growth and volatility, making it easy to achieve high investment returns.

**Multi Score**: B

#### Style Score Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| Revenue YoY | 11.30% |  |
| Net Profit YoY | 784.92% |  |
| P/B Ratio | 9.40 |  |
| Dividend Ratio | 0.00% |  |

#### Size Score Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| Market Cap | 710792505.85 |  |
| Revenue | 340040000.00 |  |

#### Multi Score Score: B

| Indicator | Value | Rating |
|-----------|-------|--------|
| ROE | 134.62% | A |
| Profit Margin | 19.44% | A |
| Gross Margin | 100.00% | A |
| Revenue YoY | 11.30% | B |
| Net Profit YoY | 784.92% | A |
| Total Assets YoY | 12.49% | B |
| Net Assets YoY | 44.86% | A |
| Cash Flow Margin | 617.75% | A |
| OCF YoY | 11.30% | B |
| Turnover | 0.50 | C |
| Gearing Ratio | 52.36% | C |

```chart-data:radar
{
  "title": "Longbridge Financial Score - OppFi Inc.",
  "chart_type": "radar",
  "dimensions": [
    {
      "name": "Style Score",
      "grade": "",
      "indicators": [
        {
          "name": "Revenue YoY",
          "value": "11.30%",
          "rating": ""
        },
        {
          "name": "Net Profit YoY",
          "value": "784.92%",
          "rating": ""
        },
        {
          "name": "P/B Ratio",
          "value": "9.40",
          "rating": ""
        },
        {
          "name": "Dividend Ratio",
          "value": "0.00%",
          "rating": ""
        }
      ]
    },
    {
      "name": "Size Score",
      "grade": "",
      "indicators": [
        {
          "name": "Market Cap",
          "value": "710792505.85",
          "rating": ""
        },
        {
          "name": "Revenue",
          "value": "340040000.00",
          "rating": ""
        }
      ]
    },
    {
      "name": "Multi Score",
      "grade": "B",
      "indicators": [
        {
          "name": "ROE",
          "value": "134.62%",
          "rating": "A"
        },
        {
          "name": "Profit Margin",
          "value": "19.44%",
          "rating": "A"
        },
        {
          "name": "Gross Margin",
          "value": "100.00%",
          "rating": "A"
        },
        {
          "name": "Revenue YoY",
          "value": "11.30%",
          "rating": "B"
        },
        {
          "name": "Net Profit YoY",
          "value": "784.92%",
          "rating": "A"
        },
        {
          "name": "Total Assets YoY",
          "value": "12.49%",
          "rating": "B"
        },
        {
          "name": "Net Assets YoY",
          "value": "44.86%",
          "rating": "A"
        },
        {
          "name": "Cash Flow Margin",
          "value": "617.75%",
          "rating": "A"
        },
        {
          "name": "OCF YoY",
          "value": "11.30%",
          "rating": "B"
        },
        {
          "name": "Turnover",
          "value": "0.50",
          "rating": "C"
        },
        {
          "name": "Gearing Ratio",
          "value": "52.36%",
          "rating": "C"
        }
      ]
    }
  ]
}
```

## Valuation Analysis

| Metric | Current | Industry Ranking | High | Median | Low |
|--------|---------|-----------------|------|--------|-----|
| PE (TTM) | 10.75 | 24/57 | 224.93 | 74.10 | 27.23 |
| PB | 9.40 | 45/57 | 55.82 | 18.14 | 11.99 |
| PS (TTM) | 2.09 | 32/57 | 3.33 | 2.48 | 1.90 |
| Dividend Yield | 0.00% | - | 2.19% | 1.99% | 1.82% |

## Peer Comparison

| Rank | Name | Profit | Growth | Operation | Security | Cash | Rating |
| --- | --- | --- | --- | --- | --- | --- | --- |
| 01 | NerdWallet (NRDS.US) | A | B | A | A | B | A |
| 02 | Capital One Financial (COF.US) | C | B | E | A | A | B |
| 03 | Synchrony Financial (SYF.US) | B | B | E | A | B | B |
| 04 | Kaspi.KZ JSC (KSPI.US) | A | A | C | E | B | B |
| 05 | Ally Financial (ALLY.US) | C | B | E | A | B | B |

## Institutional View

### Analyst Rating Distribution

> As of 2026-05-08T04:00:00.000Z

Total Analysts: **4**

| Rating | Count | Percentage |
|--------|-------|-----------| 
| Buy | 1 | 25% |
| Overweight | 1 | 25% |
| Hold | 1 | 25% |

### Target Price Forecast

| Metric | Price |
|--------|-------|
| Current Price | 8.35 |
| Highest Target | 16.00 |
| Lowest Target | 11.00 |

## References

- [Company Overview — Profile, executives, shareholders, business breakdown](https://longbridge.com/en/quote/OPFI.US/overview.md)
- [Financial Reports — Income, balance sheet, cash flow, dividends](https://longbridge.com/en/quote/OPFI.US/norm.md)
- [Related News](https://longbridge.com/en/quote/OPFI.US/news.md)
- [Filings — Company announcements and regulatory filings](https://longbridge.com/en/quote/OPFI.US/filings.md)

---

> **Disclaimer: This article is for reference only and does not constitute any investment advice.**