OppFi Inc (OPFI) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of OppFi Inc stock $7.14, price $6.17, upside +15.7%, quality 56 out of 100. Rating: undervalued. Calculated from audited financials with 13 of our 26 valuation models and 37 quality factors, updated daily.
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 6, 2026.
How to read this chart
60‑month range $1.62 – $16.42 · fair‑value band $2.56 – $10.92 · the $6.17 price screens below the $7.14 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 6, 2026.
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OppFi Inc., a tech-enabled digital finance platform, provides financial products and services for banks in the United States. The company offers installment loans through OppLoans platform. It serves consumers who are turned away by mainstream options.
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OppFi Inc. was founded in 2012 and is based in Chicago, Illinois.
Stock analysis
OppFi Inc (OPFI) currently trades at $6.17, while our model-based Fair Value estimate is $7.14, implying the stock looks roughly 14% undervalued today.
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Valuation
Bull case: the Earnings-Based group reads highest at a median of $10.70 per share, and 6 of the 13 models we run sit above the $6.17 price.
Bear case: the Dividend Discount group reads lowest at $1.42, and 7 of the 13 models stay below the price. Data coverage for this calculation is medium.
Scenario range: $2.56 (bear) to $10.92 (bull), the price of $6.17 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 56/100 (solid quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
OppFi Inc reported revenue of $597M in FY2025 versus $351M in FY2021, a compound +14.2%/yr. Reported net income was $26.3M in FY2025, compounding +0.7%/yr from FY2021.
Key figures
Market cap $531M Small · P/E ratio 2.9 · P/S ratio 0.71 · EPS (TTM) $2.14 · Dividend yield 13.6% · Net margin 31.1% · Return on equity 58.2% · Return on assets (EBIT) 11.7% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 81 out of 100 (low confidence).
What moves the price
The share trades about 46% below its 52-week high and 14% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −3% fair-value upside, at 16%, OPFI screens cheaper than that median.
Fair Value models
Bear$2.56Fair Value $7.14Bull$10.92
Price $6.17 · Upside +15.7%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then ($1.83 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Best data coverage
Growth DCF$8.29$13.15$21.4176
Owner Earnings$3.03$6.31$11.8471
Rev-Margin DCF$3.79$6.14$9.4570
All 13 models by family
DCF Models
Owner Earnings$3.03$6.31$11.8471
5Y P/E Exit$4.74$8.40$12.8569
10Y P/E Exit$6.21$10.28$16.6662
Earnings-Based
Graham-Dodd$2.10$14.65$20.5663
Lynch FV$4.72$6.74$8.7661
Dividend Discount
Gordon GGM$0.9000$1.44$1.8269
DDM Multi-Stage$0.9000$1.39$1.5667
Multiples
P/E Multiple$3.01$4.02$5.0263
P/B Multiple$0.7200$0.9600$1.2055
Asset-Based
NCAV (Graham)$0.2900$0.4400$0.560054
Growth DCF
Growth DCF$8.29$13.15$21.4176
Rev-Margin DCF$3.79$6.14$9.4570
Economic Profit
Residual Income$1.42$2.15$4.6470
The fair value above starts from this blend and is adjusted for dilution from new shares.
In the last 6 months, one officer or director bought shares worth $1.5M, on Sep 14, 2026. Over the same period, 5 people sold shares worth $1.6M.
BuyTodd G. SchwartzChief Executive Officer, Director, 10% owner22× since Aug 12, 2026: 208,165 shares, avg. $7.15$1.5MSep 14, 2026
SalePamela D. JohnsonCFO2× since Jan 5, 2026: 13,734 shares, avg. $8.84$121,433Sep 11, 2026
SaleChristopher J. McKayChief Risk & Analytics Officer2× since Jun 12, 2026: 101,533 shares, avg. $7.45$756,716Aug 26, 2026
SaleDavid VennettilliDirector2× since May 4, 2026: 38,485 shares, avg. $7.90$303,953Aug 19, 2026
SaleJocelyn MooreDirector4× since Nov 21, 2025: 71,930 shares, avg. $8.76$630,121Jun 15, 2026
SaleChristina M FavillaDirector30,000 shares at $8.14$244,200Jun 8, 2026
Plus 11 other filings such as grants, option exercises or tax withholding. They are not market purchases or sales.
Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.100/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+13.5%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+9.7%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+15.5%
Start year 2020 (pandemic)
Revenue growth 7 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+40.8%
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What shareholders gained per year (last 5 years) (mathematically smoothed) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Smoothed = median of all growth paths between the years of the window (trend line on the logarithm of earnings per share): a single extreme year cannot distort the rate. The reported figure stays in the tooltip.
−23.2%
Earnings growth per share plus dividend.
Earnings per share, growth per year−36.8%
Dividend (yield on the price)13.6%
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.27% → 32%
2025 sits 154% above its own trend. The rate follows the median trend of the last 5 years, not that single year.
News mood ⓘNews mood, the average tone of recent news (98 articles), rated against how stocks are usually covered. 🚀 Hype = unusually upbeat · 🙂 Positive = above average · 😐 Neutral = typical · 🙁 Negative = below average · 😨 Very negative = unusually downbeat. It reflects the tone of coverage, not our valuation.Hype
Recent news coverage is unusually upbeat, far more positive than stocks are typically covered.
Price, fair value, quality and upside side by side.
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Credit Services · 283 stocks
Beats the industry median on 6/14 measures
A mixed picture versus its industry peers.
Valuation
Quality Score56 · Above median
Fair Value upside+15.7% · Below median
Profitability
Return on equity (12 months)58.2% · Top 25%
Return on assets19.4% · Top 25%
Net margin (12 months)172.6% · Top 25%
Operating margin (12 months)31.2% · Below median
Growth and dividend
Revenue growth (quarter YoY)−13.9% · Bottom 25%
Dividend yield (12 months)13.6% · Top 25%
Balance sheet
Debt / equity5.50× · Highest 25%
Valuation Multiplesvs Credit Services median · lower = cheaper
P/E (12 months)2.9× · Cheapest 25%
P/B9.08× · Priciest 25%
P/S (12 months)9.01× · Priciest 25%
Price / free cash flow (fiscal year)7.7× · Pricier than median
EV/EBITDA22.2× · Pricier than median
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)54· sector 59
FUTURE (revenue growth)0· sector 57
PAST (return on equity)100· sector 39
HEALTH (low debt)–
DIVIDEND (yield)100· sector 63
HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "OppFi Inc Fair Value". https://www.fairvalue-calculator.com/stock/OPFI
Frequently asked questions
Is OppFi Inc (OPFI) overvalued or undervalued?
As of Nov 6, 2026, our model estimates a fair value of $7.14 versus a price of $6.17, about +16% upside (undervalued).
What is the fair value of OPFI?
Our model-based fair value for OppFi Inc is $7.14 (as of Nov 6, 2026), built from audited fundamentals. The current price: $6.17.
What is the quality score of OPFI?
OppFi Inc has a Quality Score of 56/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for OppFi Inc (OPFI)?
Our model-based price target is the fair value of $7.14 (as of Nov 6, 2026) from 13 valuation models. Cautious scenario $2.56, optimistic scenario $10.92. It is a calculation from audited fundamentals, not an analyst target.
What is the OppFi Inc stock forecast for 2026?
Our models put fair value at $7.14, about +16% upside versus a price of $6.17 (undervalued). Cautious scenario $2.56, optimistic scenario $10.92. The calculation is refreshed regularly with new filings.
What is the revenue of OppFi Inc (OPFI)?
OppFi Inc reported trailing-twelve-month revenue of about $327M (latest available figure, as of Nov 6, 2026).
Does OppFi Inc pay a dividend?
OppFi Inc currently shows a dividend yield of 13.56% relative to its recent price (as of Nov 6, 2026).
How much is the dividend of OppFi Inc (OPFI)?
OppFi Inc has a dividend yield of 13.6%.
What is the intrinsic value of OppFi Inc (OPFI)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For OppFi Inc it is $7.14 per share (as of Nov 6, 2026), against a price of $6.17. It is the blended result of 13 valuation models in 7 families (DCF Models, Earnings-Based, Dividend Discount, Multiples, Asset-Based, Growth DCF, Economic Profit).
Is OppFi Inc stock overvalued or undervalued in 2026?
As of Nov 6, 2026, OPFI trades below its calculated fair value: price $6.17, fair value $7.14, a gap of about +16% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of OPFI?
No. The price is what the market pays today ($6.17); the fair value is what the company's own numbers justify ($7.14). For OppFi Inc the two are $0.9700 per share apart. That gap is exactly why we show both numbers side by side.
How much is OppFi Inc worth?
The market values OppFi Inc at about $531M (market capitalisation, as of Nov 6, 2026). Per share that is $6.17; our models calculate a fair value of $7.14 per share.
What do the bullish and bearish scenarios say about OPFI?
Our models span a range for OppFi Inc: cautious scenario $2.56, base $7.14, optimistic $10.92 per share (as of Nov 6, 2026, price $6.17). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of OPFI?
OppFi Inc trades at a price-to-earnings ratio of 2.9 (as of Nov 6, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $7.14 is built from several models across several years. Median P/E at fiscal year-end, 5 fiscal years (2020 to 2025), reported earnings: 4.9. Other multiples: P/B 9.1, P/S 9.0, EV/EBITDA 22.2.
How solid is the balance sheet of OppFi Inc (OPFI)?
Balance-sheet figures for OppFi Inc (as of Nov 6, 2026): return on equity 58.2%, debt of 5.50 per unit of equity. They feed the Quality Score of 56/100, which measures business quality independently of the share price.
How far is OPFI from its 52-week high?
OppFi Inc trades at $6.17, about 46% below its 52-week high of $11.38 and 14% above the low of $5.42 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $7.14 is for.
Which stocks are comparable to OppFi Inc?
From the same area (Financial Services) we also value Visa Inc, Mastercard Incorporated, American Express Company, Capital One Financial Corporation, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is OppFi Inc stock attractive at the current price?
The data as of Nov 6, 2026: price $6.17, calculated fair value $7.14 (+16%), Quality Score 56/100, from 13 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of OPFI calculated?
We run OppFi Inc through 13 models from 7 families: DCF Models, Earnings-Based, Dividend Discount, Multiples, Asset-Based, Growth DCF, Economic Profit. Every model gets the same audited fundamentals; the fair value of $7.14 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.0% above its aggregate fair value. OppFi Inc currently trades 14% below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of OppFi Inc (OPFI)?
The closing price on Nov 6, 2026 was $6.17. Our model-based fair value is $7.14, about +16% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with OppFi Inc right now?
The model range is unusually wide ($2.56 to $10.92). The outcome hinges heavily on assumptions, so read the point estimate with caution. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Key figures of OppFi Inc
How large is the market capitalisation of OppFi Inc (OPFI)?
The market capitalisation of OppFi Inc is $531M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of OppFi Inc (OPFI)?
The price-to-sales ratio of OppFi Inc is 0.71 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of OppFi Inc (OPFI)?
Earnings per share at OppFi Inc are $2.14 (price ÷ EPS = P/E 2.9). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of OppFi Inc (OPFI)?
The dividend yield of OppFi Inc is 13.6% (payout 39.1%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of OppFi Inc (OPFI)?
The net margin of OppFi Inc is 31.1% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of OppFi Inc (OPFI)?
The return on equity (ROE) of OppFi Inc is 58.2% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of OppFi Inc (OPFI)?
On an EBIT basis the return on assets of OppFi Inc is 11.7% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of OppFi Inc (OPFI)?
The operating margin of OppFi Inc is 31.2% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at OppFi Inc (OPFI)?
Revenue at OppFi Inc is growing −13.9% versus a year earlier (3y avg +9.7%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at OppFi Inc (OPFI)?
Earnings per share at OppFi Inc are growing +266% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does OppFi Inc (OPFI) generate?
The free cash flow of OppFi Inc is $382M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does OppFi Inc (OPFI) carry?
The net debt of OppFi Inc is $283M (fiscal year 2025, ≈ 0.7 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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Nov 6, 2026