OPFI PE Ratio & Valuation,Is OPFI Overvalued

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 0.47 is considered Fairly compared with the five-year average of -12.53. The fair price of OppFi Inc (OPFI) is between 9.39 to 20.31 according to relative valuation methord.

Relative Value

Fair Zone

9.39-20.31

Current Price：10.93

Fair

6.88

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.

0.47

OppFi Inc. (OPFI) has a current PS of 0.47. The 5-year average PS is 0.20. The thresholds are as follows: Strongly Undervalued below -0.23, Undervalued between -0.23 and -0.01, Fairly Valued between 0.42 and -0.01, Overvalued between 0.42 and 0.64, and Strongly Overvalued above 0.64. The current Forward PS of 0.47 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 6.27. Compared to its 3-year average P/B ratio of 2.57 , the current P/B ratio is approximately 144.15% higher. Relative to its 5-year average P/B ratio of -0.01, the current P/B ratio is about -102343.69% higher. OppFi Inc (OPFI) has a Forward Free Cash Flow (FCF) yield of approximately 117.46%. Compared to its 3-year average FCF yield of 418.53%, the current FCF yield is approximately -71.93% lower. Relative to its 5-year average FCF yield of 393.56% , the current FCF yield is about -70.15% lower.

6.27

P/B

Median3y

2.57

Median5y

-0.01

117.46

FCF Yield

Median3y

418.53

Median5y

393.56

Competitors Valuation Multiple

The average P/S ratio for OPFI's competitors is 1.05, providing a benchmark for relative valuation. OppFi Inc Corp (OPFI) exhibits a P/S ratio of 0.47, which is -54.83% above the industry average. Given its robust revenue growth of 13.72%, this premium appears unsustainable.

P/S

P/E

EV/EBITDA

EV/EBIT

Revenue Growth

Market Cap

Performance Decomposition

Market capitalization of OPFI increased by 44.78% over the past 1 year. The primary factor behind the change was an increase in Margin Expansion from 23.77 to 49.51.

The secondary factor is the Revenue Growth, contributed 13.72%to the performance.

Overall, the performance of OPFI in the past 1 year is driven by Margin Expansion. Which is more sustainable.

13.72%

134.87M → 153.38M

Revenue Growth

108.29%

23.77 → 49.51

Margin Expansion

-77.23%

355.51 → 80.95

P/E Change

44.78%

7.66 → 11.09

Mkt Cap Growth

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Frequently Asked Questions

Is OppFi Inc (OPFI) currently overvalued or undervalued?

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 9.39 to 20.31 according to relative valuation methord.

How does OPFI's valuation metrics compare to the industry average?

What is the current P/B ratio for OppFi Inc (OPFI) as of Dec 15 2025?

As of Dec 15 2025, OppFi Inc (OPFI) has a P/B ratio of 6.27. This indicates that the market values OPFI at 6.27 times its book value.

What is the current FCF Yield for OppFi Inc (OPFI) as of Dec 15 2025?

As of Dec 15 2025, OppFi Inc (OPFI) has a FCF Yield of 117.46%. This means that for every dollar of OppFi Inc’s market capitalization, the company generates 117.46 cents in free cash flow.

What is the current Forward P/E ratio for OppFi Inc (OPFI) as of Dec 15 2025?

As of Dec 15 2025, OppFi Inc (OPFI) has a Forward P/E ratio of 6.88. This means the market is willing to pay $6.88 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 Dec 15 2025?

As of Dec 15 2025, OppFi Inc (OPFI) has a Forward P/S ratio of 0.47. This means the market is valuing OPFI at $0.47 for every dollar of expected revenue over the next 12 months.

OPFI Valuation

OPFI Valuation

OPFI Relative Valuation

Historical Valuation

Competitors Valuation Multiple

Performance Decomposition

People Also Watch

Frequently Asked Questions

Is OppFi Inc (OPFI) currently overvalued or undervalued?

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 Dec 15 2025?

What is the current FCF Yield for OppFi Inc (OPFI) as of Dec 15 2025?

What is the current Forward P/E ratio for OppFi Inc (OPFI) as of Dec 15 2025?

What is the current Forward P/S ratio for OppFi Inc (OPFI) as of Dec 15 2025?