undamentalytics Newsletter
Sign in

Oppfi Inc. key statistics and ratios

In fiscal 2025, Oppfi Inc. had return on equity of 57.7%, an operating margin of 43.7% and debt equal to 0.0% of equity. Each ratio below is calculated from the figures on its income statement, balance sheet and cash flow pages.

Financial ratios

US$ thousands unless shown otherwise. Fiscal years, plus the last twelve months (LTM) when newer.

Fiscal year2019Dec 20192020Dec 20202021Dec 20212022Dec 20222023Dec 20232024Dec 20242025Dec 2025LTMJun 2026
Operating margin28.7%38.7%21.7%−2.9%17.0%29.4%43.7%38.3%
Net margin28.7%38.7%9.7%3.3%−0.4%2.3%6.9%28.0%
Free-cash-flow margin123.9%90.6%58.0%106.0%105.1%96.7%100.3%105.9%
Return on equity————−20.2%33.6%57.7%43.0%
Return on assets—27.1%6.5%1.3%−0.2%1.2%3.8%13.3%
Asset turnover—0.700.670.400.460.520.550.48
Current ratio—10.07——————
Debt to equity—320.5%——0.0%0.0%0.0%0.0%
Interest cover (operating income ÷ interest)1.6x4.1x2.6xn/m————
Effective tax rate0.0%0.0%0.3%−9.0%5.6%4.8%6.3%10.2%
R&D as % of revenue—4.5%5.2%5.9%3.1%3.8%4.5%4.8%
Capital spending as % of revenue5.8%5.4%5.5%6.1%3.3%4.0%5.0%5.5%
Free cash flow ÷ net income431.2%234.0%598.6%>999%—>999%>999%378.4%
Dividends ÷ net income———0.0%—32.7%24.4%—
Dividends and buybacks ÷ free cash flow—0.0%0.0%1.1%0.0%1.9%5.7%6.9%

Returns use average equity or assets over the year. Return on equity is left blank when equity is negative or so small that the ratio says nothing (above ±200%); interest cover is left blank above 200 times. Price-based ratios such as P/E are on the valuation page.

Moat

47 /100

Moderate moat

How hard Oppfi's competitive advantage looks for rivals to wear away, judged from 6 years of its own filings: returns on capital, pricing power, profit durability, cash conversion and discipline.

  • Returns on capital 0 / 20

    Net income has been a median 0.9% of total assets over 6 years.

  • Durability 11 / 20

    Operating margin has been a median 26.5%; its worst year was 4.9%.

  • Cash conversion 20 / 20

    Free cash flow was positive in 5 of 5 years, at a median 103.2% of revenue.

AI disruption exposure: Medium. In this industry, AI could change how the product is made or sold, without replacing the core asset. The score above includes a 5-point deduction for that exposure (52 before it).

A rules-based reading of reported figures, not a forecast and not investment advice. How the score is built: methodology.

Compare with peers

Head to head: CPSS vs OPFIMFIN vs OPFIOPFI vs WRLD

More: Consumer Finance stocks compared, Financials sector, rankings of US companies

Figures from Oppfi Inc.'s SEC filings (10-K and 10-Q), retrieved October 29, 2026. How we read and check them: methodology and data sources. Not investment advice. Back to Oppfi Inc.