# OppFi Inc. (OPFI)

- Sector: Financials · Industry: Credit Services
- SEC CIK: 0001818502 ([filings on EDGAR](https://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=0001818502))
- Full page: https://inspectstocks.com/stocks/opfi
- Data as of: price 2026-09-28; newest filing used 2026-08-10; latest fiscal period ended 2026-06-30

## Grade

**A+** on the balance-sheet rubric used for lenders, 4 of 4 checks passed.

| Check | Result | Now | Before |
| --- | --- | --- | --- |
| Profitable | passed | $101.7M |  |
| Earnings growing overall | passed | $101.7M | $5M |
| Earnings growing recently | passed | $101.7M | $26.3M |
| Earns well on its assets | passed | 13.2% |  |
| Book value per share growing | not answerable | $2.21 | -$0.01 |

Business quality (the + / − mark): 7 of 7 checks passed.

| Check | Result | Now | Before |
| --- | --- | --- | --- |
| Profitable | passed | 28.0% |  |
| Healthy profit margin | passed | 28.0% |  |
| Strong operating margin | passed | 38.3% |  |
| Good return on equity | passed | 173.9% |  |
| Debt under control | passed | 0.20 |  |
| Turns sales into cash | passed | 105.9% |  |
| Earns a wide spread on lending | passed | 60.1% |  |

How the grade works: the letter counts failed checks (none → A, one → B, two → C, three → D, four or more → F). It is built from SEC filings only — the share price never enters it — and describes the business, not whether the stock is worth buying.

## Key figures

In US dollars, as filed.

| Measure | Value |
| --- | --- |
| Revenue, trailing twelve months | $363.6M |
| Net income, trailing twelve months | $101.7M |
| Free cash flow, trailing twelve months | $384.9M |
| Net margin | 28.0% |
| Operating margin | 38.3% |
| Return on equity | 173.9% |
| Debt to equity | 0.20 |
| Diluted EPS, trailing twelve months | $2.14 |
| Share price | $6.13 |
| Market value | $535.2M |
| Price / earnings | 2.9x |
| Price / sales | 1.5x |

## More on this company

- [Overview](https://inspectstocks.com/stocks/opfi)
- [Financial statements](https://inspectstocks.com/stocks/opfi/financials)
- [Competitors](https://inspectstocks.com/stocks/opfi/peers)
- [Earnings](https://inspectstocks.com/stocks/opfi/earnings)

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Source: InspectStocks, built from the company’s own SEC filings. This describes a business — it is not investment advice and not a recommendation to buy or sell anything.