Insider’s View: Deciphering OppFi Inc (OPFI)’s Financial Health Through Ratios

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The price of OppFi Inc (NYSE: OPFI) closed at $10.74 in the last session, down -1.74% from day before closing price of $10.93. In other words, the price has decreased by -$1.74 from its previous closing price. On the day, 1.33 million shares were traded. OPFI stock price reached its highest trading level at $11.1 during the session, while it also had its lowest trading level at $10.61.

Ratios:

We take a closer look at OPFI’s different ratios to gain a better understanding of the stock. It provided that stocks Price–to–Cash (P/C) ratio for the trailing twelve months (TTM) is standing at 10.51 whereas its Price-to-Free Cash Flow (P/FCF) for the term is 2.99. In the meantime, Its Debt-to-Equity ratio is 10.23 whereas as Long-Term Debt/Eq ratio is at 9.24.

On August 17, 2021, Needham started tracking the stock assigning a Buy rating and target price of $10.

Insider Transactions:

An investor can also benefit from insider trades by learning what management is thinking about the future direction of stock prices. A recent insider transaction in this stock occurred on Mar 20 ’25 when SCHWARTZ THEODORE G sold 102,910 shares for $9.90 per share. The transaction valued at 1,018,562 led to the insider holds 0 shares of the business.

SCHWARTZ THEODORE G sold 58,764 shares of OPFI for $564,058 on Mar 21 ’25. The Director now owns 0 shares after completing the transaction at $9.60 per share. On Mar 19 ’25, another insider, SCHWARTZ THEODORE G, who serves as the Director of the company, sold 105,606 shares for $9.57 each. As a result, the insider received 1,011,051 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 1181399936 and an Enterprise Value of 732341696. As of this moment, OppFi’s Price-to-Earnings (P/E) ratio for their current fiscal year is 55.91, and their Forward P/E ratio for the next fiscal year is 8.95. 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 28.26. Its current Enterprise Value per Revenue stands at 2.646.

Stock Price History:

The Beta on a monthly basis for OPFI is 1.57, which has changed by 3.313253 over the last 52 weeks, in comparison to a change of 0.10063088 over the same period for the S&P500. Over the past 52 weeks, OPFI has reached a high of $17.73, while it has fallen to a 52-week low of $2.25. The 50-Day Moving Average of the stock is -7.63%, while the 200-Day Moving Average is calculated to be 58.76%.

Shares Statistics:

According to the various share statistics, OPFI traded on average about 2.11M shares per day over the past 3-months and 1154810 shares per day over the past 10 days. A total of 86.40M shares are outstanding, with a floating share count of 22.43M. Insiders hold about 74.04% of the company’s shares, while institutions hold 14.00% stake in the company. Shares short for OPFI as of 1740700800 were 5534024 with a Short Ratio of 2.62, compared to 1738281600 on 6409415. Therefore, it implies a Short% of Shares Outstanding of 5534024 and a Short% of Float of 27.700000000000003.

Dividends & Splits

Against a Trailing Annual Dividend Yield of 0.0

Earnings Estimates

The market rating for OppFi Inc (OPFI) is a result of the insights provided by 3.0 analysts actively involved in the assessment.The consensus estimate for the next quarter is $0.27, with high estimates of $0.29 and low estimates of $0.26.

Analysts are recommending an EPS of between $1.07 and $1.07 for the fiscal current year, implying an average EPS of $1.07. EPS for the following year is $1.2, with 2.0 analysts recommending between $1.23 and $1.17.

Revenue Estimates

According to 3 analysts, the current quarter’s revenue is expected to be $137.71M. It ranges from a high estimate of $141.5M to a low estimate of $133.83M. As of the current estimate, OppFi Inc’s year-ago sales were $127.34MFor the next quarter, 3 analysts are estimating revenue of $140.64M. There is a high estimate of $146.9M for the next quarter, whereas the lowest estimate is $135.92M.

A total of 3 analysts have provided revenue estimates for OPFI’s current fiscal year. The highest revenue estimate was $579.6M, while the lowest revenue estimate was $574.12M, resulting in an average revenue estimate of $576.59M. In the same quarter a year ago, actual revenue was $525.96MBased on 2 analysts’ estimates, the company’s revenue will be $623.59M in the next fiscal year. The high estimate is $649.78M and the low estimate is $597.4M.

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