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 Overvalued zone, suggesting that its current forward PS ratio of 1.52 is considered Overvalued compared with the five-year average of -13.85. The fair price of OppFi Inc (OPFI) is between 1.63 to 6.49 according to relative valuation methord. Compared to the current price of 9.81 USD , OppFi Inc is Overvalued By 51.23%.
Relative Value
Fair Zone
1.63-6.49
Current Price：9.81
51.23%
Overvalued
8.38
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.
1.50
PS
OppFi Inc. (OPFI) has a current PS of 1.50. The 5-year average PS is 0.20. The thresholds are as follows: Strongly Undervalued below -0.38, Undervalued between -0.38 and -0.09, Fairly Valued between 0.49 and -0.09, Overvalued between 0.49 and 0.78, and Strongly Overvalued above 0.78. The current Forward PS of 1.50 falls within the Strongly 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 11.41. Compared to its 3-year average P/B ratio of -0.45 , the current P/B ratio is approximately -2617.31% higher. Relative to its 5-year average P/B ratio of -1.17, the current P/B ratio is about -1077.06% higher. OppFi Inc (OPFI) has a Forward Free Cash Flow (FCF) yield of approximately 35.21%. Compared to its 3-year average FCF yield of 472.42%, the current FCF yield is approximately -92.55% lower. Relative to its 5-year average FCF yield of 416.66% , the current FCF yield is about -91.55% lower.
11.15
P/B
Median3y
-0.45
Median5y
-1.17
35.73
FCF Yield
Median3y
472.42
Median5y
416.66
Competitors Valuation Multiple
The average P/S ratio for OPFI's competitors is 1.01, providing a benchmark for relative valuation. OppFi Inc Corp (OPFI) exhibits a P/S ratio of 1.50, which is 48.38% above the industry average. Given its robust revenue growth of 10.68%, 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 109.43% over the past 1 year. The primary factor behind the change was an increase in Margin Expansion from 8.09 to 14.71.
The secondary factor is the P/E Change, contributed 16.92%to the performance.
Overall, the performance of OPFI in the past 1 year is driven by Margin Expansion. Which is more sustainable.
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FAQ
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