OppFi (OPFI) Fundamental Analysis: Revenue, Earnings & Valuation

9.08 / 10

Outperform

Fundamental analysis rates OPFI as Outperform (9.1/10). Key strengths include 18.6% YoY revenue growth, 38.4% net profit margin, strong total‑profit‑to‑EBIT ratio, and low liability ratios. Weaknesses lie in asset‑to‑market‑value and cash‑up metrics, but overall fundamentals remain robust.

Analysis Checks(5/10)

Gross profit margin (%)

Value100.00

Score1/3

Weight-0.10%

1M Return-0.02%

Current liabilities / Total liabilities (%)

Value10.37

Score3/3

Weight41.89%

1M Return7.64%

Non-current liabilities / Total liabilities (%)

Value89.63

Score3/3

Weight54.36%

1M Return9.66%

Net profit margin (%)

Value38.37

Score2/3

Weight19.03%

1M Return3.71%

Total profit / EBIT (%)

Value100.00

Score2/3

Weight8.63%

1M Return1.85%

Cash-UP

Value-0.09

Score1/3

Weight-29.83%

1M Return-8.26%

Operating revenue (YoY growth rate %)

Value18.57

Score2/3

Weight42.38%

1M Return8.56%

EBIT / Total operating revenue (%)

Value-1049.47

Score1/3

Weight5.74%

1M Return1.25%

Asset-MV

Value-0.55

Score0/3

Weight-23.68%

1M Return-7.08%

Cash-MV

Value1.34

Score1/3

Weight-18.41%

1M Return-4.31%

Is OPFI fundamentally strong?

OPFI scores 9.08/10 on fundamentals and holds a Discounted valuation at present. Backed by its 9.70% ROE, 38.37% net margin, 24.31 P/E ratio, 2.07 P/B ratio, and 175.00% earnings growth, these metrics solidify its Outperform investment rating.