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OppFi Inc

OppFi Inc

OPFI
$7.98USD+5.14%+0.39 today

MARKET CAP

680.0M

P/E (TTM)

6.8x

FWD P/E

DAY RANGE

$8 – $8

52W RANGE

$7
$12

AI Summary

Stalk
Buy NowMedium

Lockout Rally pattern shows forced participation driving a sharp advance and reclaim of the 9- and 20-period EMAs, signaling bullish medium-term asymmetry despite neutral OB/OS. The Lockout Rally override validates immediate execution even in overbought conditions, focusing on continuation participation on shallow pullbacks into the EMA support zone. Long-term structure remains bearish below the declining 200-day SMA, but the current medium-term setup offers a tactical buy now.

  • Insider buying: CEO acquired shares at $6.93, implying perceived undervaluation.
  • Planned credit-line product rollout targets underbanked market, boosting growth potential.
  • Q2 EPS $0.33 vs $0.44 consensus signals execution challenges.
Full analysis →
STATEMENT·Income statement
USD · GAAP
METRICFY 2021FY 2022FY 2023FY 2024FY 2025TREND
Sales, Adj.$349.0M$451.4M$273.2M$321.5M$381.2M
YoY %+29.3%-39.5%+17.7%+18.6%
P / Sales1.1x0.4x0.3x0.5x0.7x
EV / Sales2.0x1.3x1.7x1.6x1.8x
Gross Profit, Adj.$348.1M$451.4M$273.2M$321.5M$381.2M
YoY %+29.7%-39.5%+17.7%+18.6%
Margin %99.7%100.0%100.0%100.0%100.0%
EV / Gross Profit2.0x1.3x1.7x1.6x1.8x
EBITDA, Adj.$90.3M$46.5M$102.9M$151.8M$209.8M
YoY %-48.5%+121.2%+47.6%+38.1%
Margin %25.9%10.3%37.7%47.2%55.0%
EV / EBITDA7.7x12.3x4.4x3.3x3.2x
EBIT$80.0M$29.3M$90.1M$139.2M$206.0M
YoY %-63.3%+207.1%+54.5%+48.0%
Margin %22.9%6.5%33.0%43.3%54.1%
EV / EBIT8.6x19.5x5.0x3.6x3.3x
Net Income$25.6M$7.1M$-1.0M$7.3M$26.3M
YoY %-72.2%-114.2%+822.2%+262.8%
Net Margin7.3%1.6%-0.4%2.3%6.9%
EPS (GAAP)$0.48$0.05-$0.06$0.36$0.99
YoY %-89.6%-220.0%+700.0%+175.0%