Analytical Overview: OppFi Inc (OPFI)’s Ratios Tell a Financial Story

As of close of business last night, OppFi Inc’s stock clocked out at $10.92, down -3.11% from its previous closing price of $11.27. In other words, the price has decreased by -$3.11 from its previous closing price. On the day, 1.0 million shares were traded. OPFI stock price reached its highest trading level at $11.43 during the session, while it also had its lowest trading level at $10.72.

Ratios:

To gain a deeper understanding of OPFI’s stock, we examine its different ratios. It provided that stocks Price–to–Cash (P/C) ratio for the trailing twelve months (TTM) is standing at 10.44 whereas its Price-to-Free Cash Flow (P/FCF) for the term is 3.02. For the most recent quarter (mrq), Quick Ratio is recorded 7.42 and its Current Ratio is at 7.42. In the meantime, Its Debt-to-Equity ratio is 13.51 whereas as Long-Term Debt/Eq ratio is at 12.94.

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.

On May 08, 2025, Citizens JMP Upgraded its rating to Mkt Outperform which previously was Mkt Perform but kept the price unchanged to $13.50.

Insider Transactions:

Investing in insider trades can also provide an investor with insight into how management views future stock prices. A recent insider transaction in this stock occurred on Jul 11 ’25 when SCHWARTZ THEODORE G sold 121,812 shares for $12.70 per share. The transaction valued at 1,546,790 led to the insider holds 0 shares of the business.

SCHWARTZ THEODORE G sold 128,188 shares of OPFI for $1,544,050 on Jul 14 ’25. The Director now owns 0 shares after completing the transaction at $12.05 per share. On Jul 02 ’25, another insider, Johnson Pamela D., who serves as the CFO of the company, sold 5,495 shares for $13.41 each. As a result, the insider received 73,688 and left with 164,570 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 947941184 and an Enterprise Value of 752067584. For the stock, the TTM Price-to-Sale (P/S) ratio is 1.76 while its Price-to-Book (P/B) ratio in mrq is 41.86. Its current Enterprise Value per Revenue stands at 2.461.

Stock Price History:

The Beta on a monthly basis for OPFI is 1.68, which has changed by 1.9673913 over the last 52 weeks, in comparison to a change of 0.17535925 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 $3.00. The 50-Day Moving Average of the stock is -14.45%, while the 200-Day Moving Average is calculated to be 12.15%.

Shares Statistics:

It appears that OPFI traded 1.19M shares on average per day over the past three months and 941640 shares per day over the past ten days. A total of 25.31M shares are outstanding, with a floating share count of 23.99M. Insiders hold about 72.36% of the company’s shares, while institutions hold 13.62% stake in the company. Shares short for OPFI as of 1752537600 were 6462015 with a Short Ratio of 5.44, compared to 1749772800 on 6422926. Therefore, it implies a Short% of Shares Outstanding of 6462015 and a Short% of Float of 24.88.

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