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OppFi (OPFI)
NYSE:OPFI
US Market
OPFI
OppFi
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OppFi (OPFI) Ratios

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OppFi Ratios

OPFI's free cash flow for Q2 2026 was $0.94. For the 2026 fiscal year, OPFI's free cash flow was decreased by $ and operating cash flow was $0.23. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 57.15 7.44 9.43 10.48 9.24
Quick Ratio
 57.15 7.44 9.43 10.48 9.24
Cash Ratio
 57.15 0.58 1.03 0.62 0.29
Solvency Ratio
 0.30 0.07 0.04 0.03 0.05
Operating Cash Flow Ratio
 363.83 4.67 5.41 5.75 4.41
Short-Term Operating Cash Flow Coverage
 317.33 0.00 0.00 0.00 0.00
Net Current Asset Value
$ -292.13M$ 194.28M$ 157.06M$ 131.76M$ 89.47M
Leverage Ratios
Debt-to-Assets Ratio
 0.38 0.44 0.52 0.58 0.63
Debt-to-Equity Ratio
 0.71 5.69 10.13 33.45 -736.07
Debt-to-Capital Ratio
 0.41 0.85 0.91 0.97 1.00
Long-Term Debt-to-Capital Ratio
 0.41 0.85 0.91 0.97 1.00
Financial Leverage Ratio
 1.86 12.89 19.56 57.62 -1.17K
Debt Service Coverage Ratio
 2.67 4.85 1.67 6.16 6.97
Interest Coverage Ratio
 5.64 4.91 0.52 0.99 -0.18
Debt to Market Cap
 0.52 1.16 2.07 3.98 12.17
Interest Debt Per Share
 4.88 14.04 25.53 24.15 28.66
Net Debt to EBITDA
 1.90 1.41 0.88 1.09 1.42
Profitability Margins
Gross Profit Margin
101.26%95.09%80.00%78.89%78.99%
EBIT Margin
19.08%32.74%56.84%54.58%51.05%
EBITDA Margin
19.73%33.61%58.67%57.08%54.05%
Operating Profit Margin
33.33%32.37%17.97%9.11%-1.40%
Pretax Profit Margin
33.51%26.15%16.74%8.21%0.68%
Net Profit Margin
16.64%4.41%1.38%-0.20%1.57%
Continuous Operations Profit Margin
30.10%24.49%15.94%7.76%0.74%
Net Income Per EBT
49.66%16.86%8.24%-2.40%231.73%
EBT Per EBIT
100.52%80.79%93.14%90.20%-48.30%
Return on Assets (ROA)
13.20%3.49%1.13%-0.17%1.22%
Return on Equity (ROE)
68.06%45.02%22.15%-9.63%-1436.84%
Return on Capital Employed (ROCE)
26.48%28.92%16.26%8.43%-1.21%
Return on Invested Capital (ROIC)
87.09%27.09%15.48%7.96%-1.21%
Return on Tangible Assets
13.20%3.49%1.13%-0.17%1.22%
Earnings Yield
23.36%9.50%4.70%-1.20%24.89%
Efficiency Ratios
Receivables Turnover
 1.23 1.09 1.11 1.09 0.98
Payables Turnover
 -6.87 10.58 119.66 24.19 15.01
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 14.12 16.37 21.68 22.65 16.39
Asset Turnover
 0.79 0.79 0.82 0.85 0.78
Working Capital Turnover Ratio
 17.25 1.13 1.06 1.08 1.07
Cash Conversion Cycle
 349.45 299.44 327.09 318.63 346.39
Days of Sales Outstanding
 296.29 333.94 330.14 333.72 370.71
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 -53.15 34.50 3.05 15.09 24.32
Operating Cycle
 296.29 333.94 330.14 333.72 370.71
Cash Flow Ratios
Operating Cash Flow Per Share
 6.07 15.14 16.07 18.07 17.49
Free Cash Flow Per Share
 5.77 14.42 15.43 17.52 16.53
CapEx Per Share
 0.29 0.72 0.65 0.55 0.95
Free Cash Flow to Operating Cash Flow
 0.95 0.95 0.96 0.97 0.95
Dividend Paid and CapEx Coverage Ratio
 7.69 4.78 21.05 15.41 16.71
Capital Expenditure Coverage Ratio
 20.63 21.00 24.89 32.94 18.36
Operating Cash Flow Coverage Ratio
 1.40 1.21 0.98 0.85 0.67
Operating Cash Flow to Sales Ratio
 0.67 0.67 0.62 0.58 0.54
Free Cash Flow Yield
70.75%137.85%201.40%342.17%806.53%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 1.91 10.57 21.28 -83.51 4.02
Price-to-Sales (P/S) Ratio
 0.90 0.46 0.29 0.16 0.06
Price-to-Book (P/B) Ratio
 1.05 4.74 4.71 8.04 -57.74
Price-to-Free Cash Flow (P/FCF) Ratio
 1.41 0.73 0.50 0.29 0.12
Price-to-Operating Cash Flow Ratio
 1.06 0.69 0.48 0.28 0.12
Price-to-Earnings Growth (PEG) Ratio
 <0.01 0.06 -0.03 0.75 -0.05
Price-to-Fair Value
 1.05 4.74 4.71 8.04 -57.74
Enterprise Value Multiple
 6.47 2.79 1.38 1.38 1.54
Enterprise Value
 780.03M 560.58M 425.02M 401.31M 375.90M
EV to EBITDA
 6.47 2.79 1.38 1.38 1.54
EV to Sales
 1.28 0.94 0.81 0.79 0.83
EV to Free Cash Flow
 2.00 1.47 1.37 1.40 1.63
EV to Operating Cash Flow
 1.90 1.40 1.31 1.36 1.55
Tangible Book Value Per Share
 6.14 11.65 11.63 11.84 11.44
Shareholders’ Equity Per Share
 6.14 2.21 1.63 0.64 -0.04
Tax and Other Ratios
Effective Tax Rate
 0.10 0.06 0.05 0.06 -0.09
Revenue Per Share
 9.06 22.52 26.11 31.05 32.55
Net Income Per Share
 1.51 0.99 0.36 -0.06 0.51
Tax Burden
 0.50 0.17 0.08 -0.02 2.32
Interest Burden
 1.76 0.80 0.29 0.15 0.01
Research & Development to Revenue
 0.00 0.00 0.04 0.00 0.00
SG&A to Revenue
 0.16 0.15 0.17 0.07 0.06
Stock-Based Compensation to Revenue
 0.02 0.02 0.01 <0.01 <0.01
Income Quality
 2.23 2.74 3.86 -294.67 72.84
Currency in USD