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

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679 Followers

OppFi Ratios

OPFI's free cash flow for Q3 2025 was $0.00. For the 2025 fiscal year, OPFI's free cash flow was decreased by $ and operating cash flow was $0.00. See a summary of the company’s cash flow.
Ratios
TTM
Dec 24Dec 23Dec 22Dec 21
Liquidity Ratios
Current Ratio
 2.25 10.48 17.26 7.75 6.03
Quick Ratio
 2.07 10.48 17.26 7.75 6.03
Cash Ratio
 0.77 0.62 0.55 0.43 0.58
Solvency Ratio
 2.63 0.03 0.05 0.10 0.45
Operating Cash Flow Ratio
 1.51 5.75 8.23 2.88 4.32
Short-Term Operating Cash Flow Coverage
 27.39 0.00 0.00 7.46 11.99
Net Current Asset Value
$ -44.00M$ 131.76M$ 89.47M$ 106.24M$ 81.39M
Leverage Ratios
Debt-to-Assets Ratio
 0.26 0.58 0.63 0.55 0.55
Debt-to-Equity Ratio
 0.55 33.45 -736.07 -30.31 1.59
Debt-to-Capital Ratio
 0.36 0.97 1.00 1.03 0.61
Long-Term Debt-to-Capital Ratio
 0.35 0.97 1.00 1.04 0.59
Financial Leverage Ratio
 2.10 57.62 -1.17K -55.54 2.88
Debt Service Coverage Ratio
 1.39 0.94 1.58 5.22 6.46
Interest Coverage Ratio
 29.29 0.99 -0.18 417.93-
Debt to Market Cap
 0.27 3.96 12.17 4.57 1.20
Interest Debt Per Share
 13.32 24.15 28.66 20.74 12.18
Net Debt to EBITDA
 0.61 6.85 6.28 2.11 1.28
Profitability Margins
Gross Profit Margin
2.51%76.43%76.11%71.69%82.19%
EBIT Margin
1.34%8.21%0.68%25.74%33.26%
EBITDA Margin
0.99%9.11%12.22%33.72%35.58%
Operating Profit Margin
18.36%9.11%-1.40%16.33%26.64%
Pretax Profit Margin
13.47%8.21%0.68%25.70%26.64%
Net Profit Margin
8.17%-0.20%1.57%7.29%26.64%
Continuous Operations Profit Margin
13.44%7.76%0.74%25.61%26.64%
Net Income Per EBT
60.68%-2.40%231.73%28.36%100.00%
EBT Per EBIT
73.35%90.20%-48.30%157.37%100.00%
Return on Assets (ROA)
136.47%-0.17%1.22%5.09%27.12%
Return on Equity (ROE)
983.22%-9.63%-1436.84%-282.68%78.04%
Return on Capital Employed (ROCE)
387.84%8.43%-1.15%12.90%32.11%
Return on Invested Capital (ROIC)
381.56%7.96%-1.26%12.23%30.11%
Return on Tangible Assets
146.47%-0.17%1.22%5.09%27.12%
Earnings Yield
501.55%-1.20%24.89%42.58%58.67%
Efficiency Ratios
Receivables Turnover
 107.68 1.09 0.98 0.90 1.31
Payables Turnover
 0.58 27.01 17.07 16.27 37.55
Inventory Turnover
 1.75 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 38.79 22.65 16.39 23.94 27.56
Asset Turnover
 16.70 0.85 0.78 0.70 1.02
Working Capital Turnover Ratio
 107.48 1.05 1.04 1.14 2.59
Cash Conversion Cycle
 -420.95 320.21 349.32 381.65 269.02
Days of Sales Outstanding
 3.39 333.72 370.71 404.09 278.74
Days of Inventory Outstanding
 208.90 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 633.24 13.51 21.38 22.44 9.72
Operating Cycle
 212.29 333.72 370.71 404.09 278.74
Cash Flow Ratios
Operating Cash Flow Per Share
 11.45 18.07 17.49 12.66 14.80
Free Cash Flow Per Share
 10.89 17.52 16.53 11.57 13.98
CapEx Per Share
 0.56 0.55 0.95 1.09 0.83
Free Cash Flow to Operating Cash Flow
 0.95 0.97 0.95 0.91 0.94
Dividend Paid and CapEx Coverage Ratio
 3.06 15.41 16.71 1.58 7.25
Capital Expenditure Coverage Ratio
 20.39 32.94 18.36 11.64 17.92
Operating Cash Flow Coverage Ratio
 1.20 0.85 0.67 0.61 1.22
Operating Cash Flow to Sales Ratio
 0.02 0.58 0.54 0.48 0.66
Free Cash Flow Yield
30.35%342.17%806.53%254.91%137.30%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 0.20 -83.51 4.02 2.35 1.70
Price-to-Sales (P/S) Ratio
 0.06 0.16 0.06 0.17 0.45
Price-to-Book (P/B) Ratio
 0.57 8.04 -57.74 -6.64 1.33
Price-to-Free Cash Flow (P/FCF) Ratio
 3.29 0.29 0.12 0.39 0.73
Price-to-Operating Cash Flow Ratio
 0.86 0.28 0.12 0.36 0.69
Price-to-Earnings Growth (PEG) Ratio
 -0.01 0.75 -0.05 -0.03 0.01
Price-to-Fair Value
 0.57 8.04 -57.74 -6.64 1.33
Enterprise Value Multiple
 6.60 8.66 6.79 2.61 2.56
Enterprise Value
 946.22M 401.31M 375.90M 308.97M 264.62M
EV to EBITDA
 6.61 8.66 6.79 2.61 2.56
EV to Sales
 0.07 0.79 0.83 0.88 0.91
EV to Free Cash Flow
 3.63 1.40 1.63 2.02 1.46
EV to Operating Cash Flow
 3.46 1.36 1.55 1.85 1.38
Tangible Book Value Per Share
 14.80 11.84 11.44 11.94 7.65
Shareholders’ Equity Per Share
 17.19 0.64 -0.04 -0.68 7.65
Tax and Other Ratios
Effective Tax Rate
 <0.01 0.06 -0.09 <0.01 0.00
Revenue Per Share
 603.37 31.05 32.55 26.52 22.42
Net Income Per Share
 49.30 -0.06 0.51 1.93 5.97
Tax Burden
 0.61 -0.02 2.32 0.28 1.00
Interest Burden
 10.08 1.00 1.00 1.00 0.80
Research & Development to Revenue
 0.00 0.05 0.00 0.00 0.00
SG&A to Revenue
 <0.01 0.07 0.06 0.10 0.07
Stock-Based Compensation to Revenue
 <0.01 <0.01 <0.01 <0.01 <0.01
Income Quality
 0.21 -294.67 72.84 1.86 2.48
Currency in USD

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