Balance Sheet Breakdown: OppFi Inc (OPFI)’s Debt-to-Equity and Long-Term Debt/Eq Ratios

Nora Barnes

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After finishing at $11.74 in the prior trading day, OppFi Inc (NYSE: OPFI) closed at $11.63, down -0.94%. In other words, the price has decreased by -$0.94 from its previous closing price. On the day, 0.7 million shares were traded. OPFI stock price reached its highest trading level at $11.72 during the session, while it also had its lowest trading level at $11.42.

Ratios:

Our goal is to gain a better understanding of OPFI by taking a closer look at its different ratios. It provided that stocks Price–to–Cash (P/C) ratio for the trailing twelve months (TTM) is standing at 12.97 whereas its Price-to-Free Cash Flow (P/FCF) for the term is 3.07. For the most recent quarter (mrq), Quick Ratio is recorded 7.62 and its Current Ratio is at 7.62. In the meantime, Its Debt-to-Equity ratio is 24.13 whereas as Long-Term Debt/Eq ratio is at 23.21.

Upgrades & Downgrades

In addition, analysts’ ratings and any changes thereto give investors an idea of . The stock’s future direction. In the most recent recommendation for this company, Stephens on June 12, 2025, initiated with a Equal-Weight rating and assigned the stock a target price of $14.50.

Insider Transactions:

The insider trade also gives investors a glimpse into the future direction of stock prices, which can be beneficial to investors. A recent insider transaction in this stock occurred on Aug 13 ’25 when SCHWARTZ THEODORE G sold 44,716 shares for $10.78 per share. The transaction valued at 482,253 led to the insider holds 0 shares of the business.

SCHWARTZ THEODORE G sold 102,959 shares of OPFI for $1,140,930 on Aug 11 ’25. The Director now owns 0 shares after completing the transaction at $11.08 per share. On Aug 12 ’25, another insider, SCHWARTZ THEODORE G, who serves as the Director of the company, sold 102,325 shares for $10.80 each. As a result, the insider received 1,104,762 and left with 0 shares of the company.

Valuation Measures:

Investors should consider key stock statistics when deciding whether to invest or divest. In the wake of the recent closing price, OPFI now has a Market Capitalization of 1015370304 and an Enterprise Value of 807209280. For the stock, the TTM Price-to-Sale (P/S) ratio is 1.83 while its Price-to-Book (P/B) ratio in mrq is 75.84. Its current Enterprise Value per Revenue stands at 2.516.

Stock Price History:

The Beta on a monthly basis for OPFI is 1.71, which has changed by 1.5844445 over the last 52 weeks, in comparison to a change of 0.1675967 over the same period for the S&P500. Over the past 52 weeks, OPFI has reached a high of $17.18, while it has fallen to a 52-week low of $4.19. The 50-Day Moving Average of the stock is 7.81%, while the 200-Day Moving Average is calculated to be 9.01%.

Shares Statistics:

The stock has traded on average 1.14M shares per day over the past 3-months and 968800 shares per day over the last 10 days, according to various share statistics. A total of 27.87M shares are outstanding, with a floating share count of 25.66M. Insiders hold about 70.61% of the company’s shares, while institutions hold 17.69% stake in the company. Shares short for OPFI as of 1756425600 were 4958990 with a Short Ratio of 4.35, compared to 1753920000 on 5354441. Therefore, it implies a Short% of Shares Outstanding of 4958990 and a Short% of Float of 17.61.

Earnings Estimates

The dynamic stock of OppFi Inc (OPFI) is currently being evaluated by a team of 4.0 analysts, each contributing to its current rating.The consensus estimate for the next quarter is $0.27, with high estimates of $0.29 and low estimates of $0.25.

Analysts are recommending an EPS of between $1.43 and $1.42 for the fiscal current year, implying an average EPS of $1.42. EPS for the following year is $1.55, with 4.0 analysts recommending between $1.66 and $1.46.

Revenue Estimates

4 analysts predict $153.42M in revenue for the current quarter. It ranges from a high estimate of $156.3M to a low estimate of $149.9M. As of the current estimate, OppFi Inc’s year-ago sales were $136.59MFor the next quarter, 4 analysts are estimating revenue of $155.83M. There is a high estimate of $159.6M for the next quarter, whereas the lowest estimate is $153.37M.

A total of 4 analysts have provided revenue estimates for OPFI’s current fiscal year. The highest revenue estimate was $598.6M, while the lowest revenue estimate was $585.98M, resulting in an average revenue estimate of $591.98M. In the same quarter a year ago, actual revenue was $525.96MBased on 4 analysts’ estimates, the company’s revenue will be $650.88M in the next fiscal year. The high estimate is $676.77M and the low estimate is $619.5M.

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