# OppFi share price today (OppFi Inc., OPFI)

> OppFi Inc.'s share price, valuation and earnings point in different directions. The next one or two quarters should make it clearer. OPFI · Financials · Credit Services · data as of 3 November 2026. Page: https://www.sectoralpha.in/us/stocks/opfi

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## Key numbers

- Business trend: Getting better, from fewer quarters than usual
- Price: $5.84 (−40.1% in a year)
- P/BV: 1.1× (lower than 99% of the last 1 year)
- Revenue (Jun 2026): $78.0 M (−13.9% on a year ago)
- Profit (Jun 2026): $14.8 M
- Net margin: 19.0% (+41.9 points on a year ago)
- ROE: 40%, FY25
- ROA: 18.24%, latest

The main question: yearly earnings per share moved +175.0% while the share price moved −40.1%. ## What is the OppFi share price today? OppFi Inc.'s share price was $5.84 at the close on 3 November 2026. That is 28.6% below its average price over the last 200 trading days. In the last 52 weeks it traded between $5 and $11, and at that close it sat 7% of the way up from that low. Over the past 13 weeks it has done worse than the S&P 500, and it has been behind for 16 weeks running. Over the last 1 year the share price moved −52% while the S&P 500 moved +21%, so it is behind the index over that whole period. It was last ahead over 13 weeks in the week of 17 July 2026. The chart above shows the 13-week comparison for every week. This page treats a rise as over when the price closes below its 200-day average on two Fridays in a row. ## What dividend does OppFi pay? OppFi Inc. pays no dividend. In the last 12 reported quarters it declared no dividend per share, so there is no payout history to chart and no yield to show. Companies like this usually keep their earnings in the business, so the cash-flow sections show where that cash goes. ## Which stock lists is OppFi on? OppFi is not in the Nasdaq 100, the S&P 500 or the Dow Jones 30, and is not on the US tech stocks list. ## Is OppFi profitable? OppFi Inc. earned $14.8 M of net profit in the Jun 2026 quarter. Full-year FY25 profit was $26.3 M. Over 4 years profit has grown 0.7% a year on average. That is 19.0% of the quarter's revenue. The same quarter a year earlier lost $20.8 M. 4 of the last 12 reported quarters were loss-making. For the full year, FY25 profit was $26.3 M (+262.8% on the year before). ## How much revenue does OppFi make, and is it growing? OppFi Inc. reported $78.0 M of income in the Jun 2026 quarter, −13.9% on the same quarter a year earlier. Over 4 years it has grown 9.3% a year on average. The last full year, FY25, came in at $342 M. The last four reported quarters add to $327 M. FY25 revenue was $342 M, +23.5% on the year before. Recent pace: the last four quarters grew +2.9% on average, against 9.3% a year over the longer run, so this year is growing slower than its own long-run rate. Is growth speeding up? Revenue over the last 12 months grew +2.1%, against +15.8% a year over the last 8 quarters (rolling over). ## How much does OppFi keep from what it earns? OppFi Inc.'s net margin was 19.0% in the Jun 2026 quarter, 41.9 percentage points higher than the same quarter a year ago. Across 5 years it has been between −0.4% and 10.7%. The latest quarter is above every full year in that period. Why: the net margin move is clear, but the cost details behind it are not in our data, so we show the move without guessing the reason. ## How many of OppFi's loans have gone bad? OppFi Inc. does not report loan-quality figures this page can read, so this section says so rather than guess. No bad-loan figures are filed in a form this page can read, and none are guessed from the profit line. The income, margin and return sections carry what this business does report. Why: loan quality drives a lender, but its details (new bad loans, recoveries, money set aside) are not in our data for this company. The sections around this one carry what we can back up. ## How fast is OppFi's loan book growing? OppFi Inc.'s revenue was $342 M in FY25, +23.5% on the year before, so the loan book is growing. The latest quarter was −13.9% on a year earlier. The net margin on that income is 19.0%, +41.9 percentage points on a year ago. Interest income stands in for the size of the loan book; changes in interest rates can move it a few points in any year. In short: a lender grows well when its loan book grows, its margin stays steady and its loans stay clean. Quarterly loan-quality figures are missing here, so revenue growth and margin are the two we watch. ## What is OppFi's P/BV ratio, and how does it compare with its own history? OppFi Inc.'s P/BV is 1.1×, about the lowest it has ever been. Its usual P/BV (the middle reading) is 4.0×, over 1 year of weekly prices. This compares the share price with the company’s own past. It does not say what the business is worth. Why the multiple is where it is: over the past year book value grew while the price moved −40.1%. Price and book value moved together, so the multiple stayed in its range. In short: the multiple is low against its own past, so the book value trend underneath matters more than the multiple. ## Is the OppFi business getting better or worse? OppFi Inc.'s business is getting better. Profit growth hit its low 3 quarters ago at −534.5% and has recovered to +262.8%, with ROE rising at 24.6%. This is based on 12 quarters of 3 measures, with some gaps. Why it matters: a lasting rise from a low is what this page is built to show. This reading has some gaps: at least one line is short, or the return line is not the quarterly series, so treat it with a little more caution. ## How much does OppFi earn on its equity and assets? OppFi Inc. earned a return on equity of 9% in FY25. Its lowest yearly reading on file was −1% in FY23. On its assets, every $100 earned about $18.24, before the effect of borrowing. For a lender the balance sheet is the business, so the return on equity and on assets have to be read together. That return is below the level a bank needs to grow its net worth quickly, which helps explain why its multiple is where it is. Why ROE moved: profit grew 0.7% a year over 4 years while net worth grew more slowly. When earnings recover faster than net worth builds up, ROE climbs off its low. ## Does OppFi have too much debt? For a bank, borrowing is the raw material of the business, not a warning sign: it borrows money in order to lend it out. Its safety is read through its returns and its loans. Its safety is read from the bad-loan figures and the return on equity instead. For a manufacturer, debt is a claim on its profits. For a lender it is the stock it trades in, so the usual debt-to-equity test would mislead and is not used here. ## What is the OppFi shareholding pattern? 12.8% of OppFi Inc.'s tradable shares are in short positions, which are bets that the price will fall, so a large group of traders is betting against it. At normal trading volumes, closing those positions would take about 5.5 days. US companies do not publish a quarter-by-quarter list of owners, so this page uses short interest instead. It is a single reading at one point in time; we do not have its history. Why it is at this level: the figure does not say who holds the short positions or why, so we show the level without guessing the story. ## How far is OppFi from balance-sheet trouble? For OppFi Inc., the Z-score is not used, because it was built for manufacturers, not lenders. For a lender, safety is read from its capital and bad-loan figures instead. ## How does OppFi rank in its industry? There is no score against its industry: OppFi Inc. is not among the largest members shown in this industry comparison for Credit Services. The score ranks a company within its industry: each measure is scored against the other members. Without that group there is no score, so none is shown. ## Which companies is OppFi compared with? No sector comparison is shown here, not among the largest members shown in this industry comparison. ## Which companies are close to OppFi in size? OppFi is the 33rd largest of 42 Credit Services companies on Sector Alpha by market value (scores of 3 November 2026). Just above it: Green Dot Corporation, Lufax Holding and Qfin Holdings, Inc. Just below it: Oportun Financial Corporation, Open Lending Corporation and Regional Management Corp. ### Credit Services companies close in size

1. [Green Dot Corporation](https://www.sectoralpha.in/us/stocks/gdot) $709 million
2. [Lufax Holding Ltd](https://www.sectoralpha.in/us/stocks/lu) $707 million
3. [Qfin Holdings, Inc.](https://www.sectoralpha.in/us/stocks/qfin) $641 million
4. OppFi Inc. $498 million
5. [Oportun Financial Corporation](https://www.sectoralpha.in/us/stocks/oprt) $462 million
6. [Open Lending Corporation](https://www.sectoralpha.in/us/stocks/lpro) $372 million
7. [Regional Management Corp.](https://www.sectoralpha.in/us/stocks/rm) $347 million

[All 42 Credit Services companies, largest first](https://www.sectoralpha.in/us/sectors/credit-services#all-companies)

### Companies close in size in other industries

1. [American Bitcoin Corp.](https://www.sectoralpha.in/us/stocks/abtc) $484 million · Capital Markets
2. [Gyre Therapeutics, Inc.](https://www.sectoralpha.in/us/stocks/gyre) $483 million · Biotechnology
3. OppFi Inc. $479 million
4. [Greenlight Capital Re, Ltd.](https://www.sectoralpha.in/us/stocks/glre) $479 million · Insurance - Reinsurance
5. [Wabash National Corporation](https://www.sectoralpha.in/us/stocks/wnc) $478 million · Farm & Heavy Construction Machinery

## What else do people ask about OppFi? ### What were OppFi's latest quarterly results? OppFi Inc. reported total income of $78.0 M and net profit of $14.8 M for the Jun 2026 quarter. Earnings per share were $0.18. The net margin was 19.0%, 41.9 percentage points higher than a year earlier (as of 3 November 2026). ### What is OppFi's market cap? OppFi Inc.'s market capitalisation is $498 M at a stock price of $5.84. Market cap is the share price times the number of shares, so it changes whenever the price moves (as of 3 November 2026). ### How is OppFi performing? OppFi Inc.'s latest readings are below. Over the past 13 weeks it has done worse than the S&P 500, for 16 weeks running. This describes what the data did, not a rating (as of 3 November 2026). ### Will OppFi's stock price go up? This page does not forecast OppFi Inc.'s stock price. What it shows instead: the stock price is $5.84. Its P/BV of 1.1× is higher than 1% of its own last 1 years. Nobody can reliably say which way a price will move, and this site does not try (as of 3 November 2026). ### Where is OppFi in its business cycle? OppFi Inc.'s FY25 net margin was 7.7%, against a 5-year range of −0.4% to 10.7%: the middle of its own range, neither a peak nor a low. The latest quarter was 19.0%. Comparing margins with a company's own long history is a good way to see where it is in its cycle (as of 3 November 2026). ### What could break the OppFi story? The main question: yearly earnings per share moved +175.0% while the share price moved −40.1%. On price, this page treats a rise as over when the share price closes below its 200-day average on two Fridays in a row (as of 3 November 2026). ### Is OppFi a stock worth studying right now? What the numbers show: OppFi Inc.'s share price, valuation and earnings point in different directions. The next one or two quarters should make it clearer. The main open question: whether the price catches up with earnings that have already grown. Every number on this page is worked out by code from the published figures, with no forecasts and no price opinions (as of 3 November 2026). This is research, not advice. We’re not SEBI-registered.