- ISIN
- US68386H1032
- CUSIP
- 68386H103
- Sector
- Technology
- Industry
- Software - Application
- IPO Date
- Nov 20, 2020
Highlights
- Market Cap
- $720.59M
- Enterprise Value
- $656.73M
- EPS (TTM)
- $1.59
- PE Ratio
- 5.25
- PEG Ratio
- 4.83
- Total Revenue (TTM)
- $544.08M
- Gross Profit (TTM)
- $523.64M
- EBITDA (TTM)
- $148.42M
- Year Range
- $7.36 - $15.03
- Target Price
- $7.25
- ROA (TTM)
- 9.18%
- ROE (TTM)
- 87.37%
Share Price Chart
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Performance
OPFI Performance Chart
OppFi Inc. (OPFI) is down 20.1% since the beginning of the year. At $8 per share, OPFI is trading 44.4% below its 52-week high of $15. Investors who bought $1,000 worth of OPFI shares 5 years ago would now be looking at an investment worth $879.
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Returns By Period
OppFi Inc. (OPFI) has returned -20.08% so far this year and -34.94% over the past 12 months.
OppFi Inc.
- 1D
- -0.83%
- 1M
- 2.58%
- YTD
- -20.08%
- 6M
- -26.54%
- 1Y
- -34.94%
- 3Y*
- 60.38%
- 5Y*
- -2.54%
- 10Y*
- —
Benchmark (S&P 500 Index)
- 1D
- -0.37%
- 1M
- -0.01%
- YTD
- 9.16%
- 6M
- 8.64%
- 1Y
- 25.22%
- 3Y*
- 19.78%
- 5Y*
- 11.99%
- 10Y*
- 13.88%
OPFI Monthly Returns History
Based on dividend-adjusted daily data since Nov 20, 2020, OPFI's average daily return is +0.07%, while the average monthly return is +1.63%. At this rate, an investment would double in approximately 3.6 years.
Historically, 43% of months were positive and 57% were negative. The best month was Jan 2025 with a return of +79.0%, while the worst month was Jan 2024 at -37.3%. The longest winning streak lasted 5 consecutive months, and the longest losing streak was 6 months.
On a daily basis, OPFI closed higher 46% of trading days. The best single day was Apr 9, 2024 with a return of +25.4%, while the worst single day was Mar 8, 2024 at -23.5%.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | -8.99% | -3.57% | -16.01% | 23.35% | -10.73% | -1.53% | -20.08% | ||||||
| 2025 | 78.98% | -28.08% | -5.68% | 3.72% | 35.51% | 10.42% | -23.95% | -4.04% | 10.97% | -13.95% | 1.54% | 5.66% | 40.87% |
| 2024 | -37.30% | 9.66% | -28.98% | 11.38% | 20.97% | 4.95% | 13.86% | 23.58% | -0.84% | 8.25% | 59.37% | -6.13% | 56.02% |
| 2023 | 12.20% | -8.26% | -2.84% | -7.32% | 7.37% | -0.00% | 1.96% | 24.04% | -2.33% | -11.51% | 58.74% | 44.63% | 149.76% |
| 2022 | 2.86% | -23.34% | -4.19% | -13.41% | 22.90% | -9.86% | -6.99% | -11.44% | -15.13% | -1.30% | 9.69% | -17.67% | -54.85% |
| 2021 | 6.48% | -6.37% | 0.39% | -0.20% | -0.69% | 1.09% | -2.64% | -15.09% | -6.87% | -18.58% | -23.44% | -7.35% | -55.40% |
Benchmark Metrics
OppFi Inc. has an annualized alpha of 0.69%, beta of 1.24, and R2 of 0.10 versus S&P 500 Index. Calculated based on daily prices since November 20, 2020.
- This stock participated in 157.17% of S&P 500 Index downside but only 95.29% of its upside - more exposed to losses than it benefited from rallies.
- R2 of 0.10 means this stock moves largely independently of S&P 500 Index - capture ratios reflect limited market correlation rather than active downside protection. Consider using a more representative benchmark.
- Alpha
- 0.69%
- Beta
- 1.24
- R²
- 0.10
- Upside Capture
- 95.29%
- Downside Capture
- 157.17%
Return for Risk
Risk / Return Rank
OPFI ranks 14 for risk / return — in the bottom 14% of stocks on our site. This means you're taking on significantly more risk than the returns justify. Consider whether the potential upside is worth the volatility, or explore alternatives with better risk / return profiles.
Return / Risk — by metrics
The table below present risk-adjusted performance metrics for OppFi Inc. (OPFI) and compare them to S&P 500 Index.
Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.
| OPFI | Benchmark | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -2.79 | ||
| Sortino ratioReturn per unit of downside risk | -3.75 | ||
| Omega ratioGain probability vs. loss probability | 0.89 | 1.37 | -0.48 |
| Calmar ratioReturn relative to maximum drawdown | -0.72 | 2.78 | -3.51 |
| Martin ratioReturn relative to average drawdown | -1.05 | 12.44 | -13.49 |
Dividends
Dividend History
OppFi Inc. provided a 0.00% dividend yield over the last twelve months, with an annual payout of $0.00 per share.
| Period | TTM | 2025 | 2024 |
|---|---|---|---|
| Dividend | $0.00 | $0.25 | $0.12 |
Dividend yield | 0.00% | 2.39% | 1.57% |
Monthly Dividends
The table displays the monthly dividend distributions for OppFi Inc.. The dividends shown in the table have been adjusted to account for any splits that may have occurred.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | ||||||
| 2025 | $0.00 | $0.00 | $0.00 | $0.25 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.25 |
| 2024 | $0.12 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.12 |
Drawdowns
Drawdowns Chart
The Drawdowns chart displays portfolio losses from any high point along the way. Drawdowns are calculated considering price movements and all distributions paid, if any.
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Worst Drawdowns
The table below displays the maximum drawdowns of the OppFi Inc.. A maximum drawdown is a measure of risk, indicating the largest reduction in portfolio value due to a series of losing trades.
The maximum drawdown for the OppFi Inc. was 84.60%, occurring on Mar 22, 2023. Recovery took 456 trading sessions.
The current OppFi Inc. drawdown is 49.09%.
Related event | Drawdown | Fall | Recovery | Underwater |
|---|---|---|---|---|
2023 bear market2023 | -84.60%Mar 2023 | 2y 1mo | 1y 10mo | 3y 11moFeb 2021 - Jan 2025 |
2026 bear market2026 | -54.20%Apr 2026 | 1y 1mo | — | 1y 4moFeb 2025 - now |
2025 pullback2025 | -7.47%Jan 2025 | 1d | 4d | 5dJan 2025 - Jan 2025 |
2021 pullback2021 | -5.09%Jan 2021 | 2d | 14d | 16dJan 2021 - Feb 2021 |
2025 pullback2025 | -1.22%Jan 2025 | 2d | 4d | 6dJan 2025 - Feb 2025 |
Drawdown Indicators
| OPFI | Benchmark | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -84.60% | -56.78% | -27.82% |
Max Drawdown (1Y)Largest decline over 1 year | -48.53% | -9.10% | -39.43% |
Max Drawdown (3Y)Largest decline over 3 years | -54.20% | -18.90% | -35.30% |
Max Drawdown (5Y)Largest decline over 5 years | -84.46% | -25.43% | -59.03% |
Max Drawdown (10Y)Largest decline over 10 years | — | -33.92% | — |
Current DrawdownCurrent decline from peak | -49.09% | -1.80% | -47.29% |
Average DrawdownAverage peak-to-trough decline | -51.33% | -10.71% | -40.62% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 33.42% | 2.03% | +31.39% |
Volatility
Volatility Chart
The chart below shows the rolling one-month volatility.
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Financials
Financial Performance
The chart below illustrates the trends in the financial health of OppFi Inc. over time, highlighting three key metrics: Total Revenue, Earnings Before Interest and Taxes (EBIT), and Net Income.
Valuation
The Valuation section provides an overview of how OppFi Inc. is priced in the market compared to other companies in the Software - Application industry. It includes key financial ratios that help investors assess whether the stock is undervalued or overvalued.
PE Ratio
The chart displays the Price-to-Earnings (P/E) ratio for OPFI, comparing it with other companies in the Software - Application industry. Currently, OPFI has a P/E ratio of 5.2. This P/E ratio is considered low compared to industry peers, which may suggest that the stock is undervalued or that the company has weaker growth prospects.
PEG Ratio
The chart shows the Price/Earnings to Growth (PEG) ratio for OPFI compared to other companies in the Software - Application industry. OPFI currently has a PEG ratio of 4.8. This PEG ratio is higher than the industry average, which may suggest the stock is overvalued relative to its expected earnings growth.
PS Ratio
This chart shows the Price-to-Sales (P/S) ratio for OPFI relative to other companies in the Software - Application industry. Currently, OPFI has a P/S ratio of 0.6. This P/S ratio is low compared to the industry average. It may indicate that the stock is undervalued relative to its revenue, or that the market expects slower growth or lower margins.
PB Ratio
The chart illustrates the Price-to-Book (P/B) ratio for OPFI in comparison with other companies in the Software - Application industry. Currently, OPFI has a P/B value of 9.5. This P/B ratio is higher than most companies in the industry. It may suggest the stock is overvalued or that investors expect the company to generate high returns on its assets.
Income Statement
| TTM | |
|---|---|
Revenue | — |
Total Revenue | — |
Cost Of Revenue | — |
Gross Profit | — |
Operating Expenses | — |
Selling, General & Admin Expenses | — |
R&D Expenses | — |
Depreciation And Amortization | — |
Total Operating Expenses | — |
Income | — |
Income Before Tax | — |
Operating Income | — |
EBITDA | — |
EBIT | — |
Earnings From Continuing Operations | — |
Net Income | — |
Income Tax Expense | — |
Other Non-Operating Income (Expenses) | — |
Extraordinary Items | — |
Discontinued Operations | — |
Effect Of Accounting Charges | — |
Non Recurring | — |
Minority Interest | — |
Other Items | — |
Interest Income | — |
Interest Expense | — |
Net Interest Income | — |
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