OPFI Valuation
OppFi Inc
$
10.500
- Overview
- Forecast
- Valuation
- Earnings
OPFI Relative Valuation
OPFI's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average, adjusted by weights. If the market price exceeds this fair value range, OPFI is overvalued; if below, it's undervalued.
Historical Valuation
OppFi Inc (OPFI) is now in the Fair zone, suggesting that its current forward PS ratio of 0.49 is considered Fairly compared with the five-year average of -13.76. The fair price of OppFi Inc (OPFI) is between 6.47 to 22.09 according to relative valuation methord.
Relative Value
Fair Zone
6.47-22.09
Current Price：10.50
Fair
7.92
PE
1Y
3Y
5Y
Trailing
Forward
0.00
EV/EBITDA
OppFi Inc. (OPFI) has a current EV/EBITDA of 0.00. The 5-year average EV/EBITDA is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBITDA of 0.00 falls within the Strongly Undervalued range.
0.00
EV/EBIT
OppFi Inc. (OPFI) has a current EV/EBIT of 0.00. The 5-year average EV/EBIT is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBIT of 0.00 falls within the Strongly Undervalued range.
0.49
PS
OppFi Inc. (OPFI) has a current PS of 0.49. The 5-year average PS is 0.20. The thresholds are as follows: Strongly Undervalued below -0.36, Undervalued between -0.36 and -0.08, Fairly Valued between 0.48 and -0.08, Overvalued between 0.48 and 0.75, and Strongly Overvalued above 0.75. The current Forward PS of 0.49 falls within the Overvalued range.
0.00
P/OCF
OppFi Inc. (OPFI) has a current P/OCF of 0.00. The 5-year average P/OCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/OCF of 0.00 falls within the Strongly Undervalued range.
0.00
P/FCF
OppFi Inc. (OPFI) has a current P/FCF of 0.00. The 5-year average P/FCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/FCF of 0.00 falls within the Strongly Undervalued range.
OppFi Inc (OPFI) has a current Price-to-Book (P/B) ratio of 22.52. Compared to its 3-year average P/B ratio of -0.20 , the current P/B ratio is approximately -11276.61% higher. Relative to its 5-year average P/B ratio of -1.05, the current P/B ratio is about -2241.46% higher. OppFi Inc (OPFI) has a Forward Free Cash Flow (FCF) yield of approximately 109.19%. Compared to its 3-year average FCF yield of 470.90%, the current FCF yield is approximately -76.81% lower. Relative to its 5-year average FCF yield of 415.39% , the current FCF yield is about -73.71% lower.
22.52
P/B
Median3y
-0.20
Median5y
-1.05
109.19
FCF Yield
Median3y
470.90
Median5y
415.39
Competitors Valuation Multiple
The average P/S ratio for OPFI's competitors is 1.19, providing a benchmark for relative valuation. OppFi Inc Corp (OPFI) exhibits a P/S ratio of 0.49, which is -58.62% above the industry average. Given its robust revenue growth of 13.07%, this premium appears unsustainable.
P/S
P/E
EV/EBITDA
EV/EBIT
P/S
Revenue Growth
Market Cap
Performance Decomposition
1Y
3Y
5Y
Market capitalization of OPFI increased by 125.58% over the past 1 year. The primary factor behind the change was an decrease in P/E Change from -1.61 to -4.44.
The secondary factor is the Revenue Growth, contributed 13.07%to the performance.
Overall, the performance of OPFI in the past 1 year is driven by P/E Change. Which is more unsustainable.
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FAQ
Is OppFi Inc (OPFI) currently overvalued or undervalued?
OppFi Inc (OPFI) is now in the Fair zone, suggesting that its current forward PS ratio of 0.49 is considered Fairly compared with the five-year average of -13.76. The fair price of OppFi Inc (OPFI) is between 6.47 to 22.09 according to relative valuation methord.
What is OppFi Inc (OPFI) fair value?
How does OPFI's valuation metrics compare to the industry average?
What is the current P/B ratio for OppFi Inc (OPFI) as of Aug 14 2025?
What is the current FCF Yield for OppFi Inc (OPFI) as of Aug 14 2025?
What is the current Forward P/E ratio for OppFi Inc (OPFI) as of Aug 14 2025?