Historical Valuation
OppFi Inc (OPFI) is now in the Undervalued zone, suggesting that its current forward PS ratio of 0.44 is considered Undervalued compared with the five-year average of -12.56. The fair price of OppFi Inc (OPFI) is between 10.59 to 21.63 according to relative valuation methord. Compared to the current price of 10.38 USD , OppFi Inc is Undervalued By 1.94%.
Relative Value
Fair Zone
10.59-21.63
Current Price：10.38
1.94%
Undervalued
P/E
EV/EBITDA
EV/EBIT
P/S
P/OCF
P/FCF
1Y
3Y
5Y
Trailing
Forward
OppFi Inc (OPFI) has a current Price-to-Book (P/B) ratio of 5.82. Compared to its 3-year average P/B ratio of 3.22 , the current P/B ratio is approximately 80.71% higher. Relative to its 5-year average P/B ratio of 0.06, the current P/B ratio is about 9939.26% higher. OppFi Inc (OPFI) has a Forward Free Cash Flow (FCF) yield of approximately 126.47%. Compared to its 3-year average FCF yield of 407.27%, the current FCF yield is approximately -68.95% lower. Relative to its 5-year average FCF yield of 390.37% , the current FCF yield is about -67.60% lower.
P/B
Median3y
3.22
Median5y
0.06
FCF Yield
Median3y
407.27
Median5y
390.37
Competitors Valuation Multiple
AI Analysis for OPFI
The average P/S ratio for OPFI competitors is 1.18, providing a benchmark for relative valuation. OppFi Inc Corp (OPFI.N) exhibits a P/S ratio of 0.44, which is -62.64% above the industry average. Given its robust revenue growth of 13.72%, this premium appears unsustainable.
Performance Decomposition
AI Analysis for OPFI
1Y
3Y
5Y
Market capitalization of OPFI increased by 0.00% over the past 1 year. The primary factor behind the change was an decrease in Unknown from 0.00 to 0.00.
The secondary factor is the Unknown, contributed 0.00%to the performance.
Overall, the performance of OPFI in the past 1 year is driven by Unknown.
People Also Watch
Frequently Asked Questions
Is OPFI currently overvalued or undervalued?
OppFi Inc (OPFI) is now in the Undervalued zone, suggesting that its current forward PS ratio of 0.44 is considered Undervalued compared with the five-year average of -12.56. The fair price of OppFi Inc (OPFI) is between 10.59 to 21.63 according to relative valuation methord. Compared to the current price of 10.38 USD , OppFi Inc is Undervalued By 1.94% .
What is OppFi Inc (OPFI) fair value?
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. The fair price of OppFi Inc (OPFI) is between 10.59 to 21.63 according to relative valuation methord.
How does OPFI's valuation metrics compare to the industry average?
The average P/S ratio for OPFI's competitors is 1.18, providing a benchmark for relative valuation. OppFi Inc Corp (OPFI) exhibits a P/S ratio of 0.44, which is -62.64% above the industry average. Given its robust revenue growth of 13.72%, this premium appears unsustainable.
What is the current P/B ratio for OppFi Inc (OPFI) as of Jan 10 2026?
As of Jan 10 2026, OppFi Inc (OPFI) has a P/B ratio of 5.82. This indicates that the market values OPFI at 5.82 times its book value.
What is the current FCF Yield for OppFi Inc (OPFI) as of Jan 10 2026?
As of Jan 10 2026, OppFi Inc (OPFI) has a FCF Yield of 126.47%. This means that for every dollar of OppFi Inc’s market capitalization, the company generates 126.47 cents in free cash flow.
What is the current Forward P/E ratio for OppFi Inc (OPFI) as of Jan 10 2026?
As of Jan 10 2026, OppFi Inc (OPFI) has a Forward P/E ratio of 6.38. This means the market is willing to pay $6.38 for every dollar of OppFi Inc’s expected earnings over the next 12 months.
What is the current Forward P/S ratio for OppFi Inc (OPFI) as of Jan 10 2026?
As of Jan 10 2026, OppFi Inc (OPFI) has a Forward P/S ratio of 0.44. This means the market is valuing OPFI at $0.44 for every dollar of expected revenue over the next 12 months.