OppFi Inc.
PosiFunda Ratios Only on PositoAI
PositoAI's own ratios from OppFi Inc.'s yearly results (2022–2025), compared with Financial Services companies in United States. Tap ? on any ratio for what it means.
What stands out
- Shareholder Slice Ratio: Share count rose 85% in 3 years, so each share's slice of the company became smaller. Dividends paid equalled 368% of profit over the same period. Bigger rise in share count than 91% of Financial Services companies in United States.
Cash quality
Profit Cash Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Self-Funding Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Locked Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Growth quality
Steadiness Ratio
3/3 · 2/3Sales grew in 3 of the last 3 years; profit grew in 2 of 3.
Steadier than 79% of Financial Services companies in United States.
Growth Efficiency Ratio
$13Sales grew 32% in 3 years; of every extra $100 of sales, $13 became extra profit.
Lower than 63% of Financial Services companies in United States.
Asset Productivity Ratio
+32% / +30%In 3 years sales changed by +32% while total assets changed by +30%. Both moved at about the same pace.
Balance-sheet strength
Debt Due Cover Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Cushion Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Tangible Assets Ratio
—Data incomplete
Tangible Net Worth Ratio
—Data incomplete
Shareholders
Standard fundamentals
P/E, P/B, ROE, debt, growth and more (11)
OppFi Inc. owes $0.46 for every $1 it owns. Net profit rose 263% in the year to Dec 2025, and grew 55% a year on average over 3 years.
Compared with Financial Services companies in United States · latest annual results Dec 2025.
P/E ratio
2.7Investors pay $2.7 for every $1 of OppFi Inc.'s yearly profit, lower than 98% of Financial Services companies in United States.
P/B ratio
1.19The share price is 1.19 times OppFi Inc.'s book value per share, lower than 58% of Financial Services companies in United States.
Market cap
$493 MThe total market value of all of OppFi Inc.'s shares at today's price (share price × number of shares), smaller than 59% of Financial Services companies in United States. PosiCap size class: Mini Cap.
Net worth (book value)
$414 MWhat OppFi Inc. would have left on paper if it sold everything it owns and paid everything it owes, from its latest balance sheet (30 Jun 2026).
Book value per share
$4.86Net worth divided by the number of shares. The share price of $5.78 is 1.2 times this, which is the P/B above.
Return on equity (ROE)
58.2%OppFi Inc. earned 58.2% on its shareholders' money over the last year, higher than 98% of Financial Services companies in United States.
Owes vs Owns
0.46×OppFi Inc. owes $0.46 for every $1 it owns (low), lower than 73% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Dividend yield
NoneOppFi Inc. does not currently pay a dividend.
Revenue growth
+14%Revenue rose 14% in the year to Dec 2025, and grew 10% a year on average over 3 years.
Profit growth
+263%Net profit rose 263% in the year to Dec 2025, and grew 55% a year on average over 3 years.
Profit margin
4.4%OppFi Inc. keeps $4 of every $100 of revenue as net profit.
Questions
What is OppFi Inc.'s P/E ratio?
Investors pay $2.7 for every $1 of OppFi Inc.'s yearly profit, lower than 98% of Financial Services companies in United States.
How is P/B calculated on PositoAI?
P/B is market cap divided by net worth from the latest balance sheet. For OppFi Inc.: $493 M ÷ $414 M (30 Jun 2026) = 1.2.
What is OppFi Inc.'s return on equity?
OppFi Inc. earned 58.2% on its shareholders' money over the last year, higher than 98% of Financial Services companies in United States.
How much does OppFi Inc. owe compared with what it owns?
OppFi Inc. owes $0.46 for every $1 it owns (low), lower than 73% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Does OppFi Inc. pay a dividend?
No. OppFi Inc. does not currently pay a dividend.
Is OppFi Inc.'s revenue growing?
Revenue rose 14% in the year to Dec 2025, and grew 10% a year on average over 3 years.
Figures from the company's yearly results and PositoAI's own data. Full tables are on the Go Deep tab. What each figure means. PositoAI is for research and education only and is not investment advice.