NYQ · Credit Services

OPFI (OPFI) Stock

$6.86 -1.01% NYQ: OPFI Financial Services

Valuation

MetricValue
Price$6.86
Market Cap$585.80M
P/E Ratio4.11
P/B Ratio2.91
P/S Ratio3.53
EPS (TTM)$0.99
52-Week High$15.03
52-Week Low$6.86
Dividend Yield0.00%

Financials & Margins

MetricValue
ROE62.06%
ROA26.45%
ROCE54.05%
Gross Margin100.00%
Operating Margin44.88%
Net Margin19.44%
Debt/Equity0.86
Current Ratio6.16

Annual Financials (USD)

Metric20212022202320242025
Revenue—————
Operating Profit$57.0M$-6.0M$46.0M$95.0M$167.0M
Net Profit$26.0M$7.0M$-1.0M$7.0M$26.0M
EPS$0.48$0.05$-0.06$0.36$0.99
Op Margin—————

Balance Sheet (USD)

Metric20212022202320242025
Total Assets$502.0M$580.0M$602.0M$641.0M$754.0M
Total Liabilities$344.0M$421.0M$408.0M$407.0M$445.0M
Cash$25.0M$16.0M$32.0M$61.0M$49.0M
Borrowings$50.0M$50.0M$50.0M$50.0M$50.0M

Latest News

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Cash Flow (USD)

Metric20212022202320242025
Operating Cash Flow$167.0M$243.0M$296.0M$324.0M$401.0M
Investing Cash Flow$-199.0M$-317.0M$-244.0M$-243.0M$-308.0M
Financing Cash Flow$49.0M$61.0M$-28.0M$-66.0M$-89.0M
Net Cash Flow$17.0M$-13.0M$24.0M$14.0M$5.0M
Free Cash Flow$167.0M$243.0M$296.0M$324.0M$401.0M

Valuation & Return Ratios

MetricValue
PEG Ratio0.07
EV / EBITDA6.99
FCF Yield33.38%
Quick Ratio5.79
Interest Coverage5.06
Return 1Y-23.95%
Return 3Y374.22%
Return 5Y-4.65%

Peer Comparison

TickerPriceChangeP/EMarket CapDiv Yield
ADTN $7.47 -3.61% -26.21 $605.06M 0.00%
AOSL $23.64 -4.14% -17.48 $707.54M 0.00%
APPS $10.00 -7.06% -5.11 $1.21B 0.00%
ARQQ $18.90 -4.93% -5.11 $328.91M 0.00%
BLND $1.55 +0.00% -18.27 $375.28M 0.00%

About OPFI

OPFI stock trades at $6.86 with a market capitalization of $585.80M. The stock is valued at a price-to-earnings (P/E) ratio of 4.11, price-to-book of 2.91, price-to-sales of 3.53. Over the past 52 weeks the stock has ranged between $6.86 and $15.03, and currently trades 54.4% below its 52-week high.

On profitability, OPFI generates a return on equity (ROE) of 62.06% — well above the market average, a sign of a high-quality business, return on capital employed of 54.05%, an operating margin of 44.88%, a net profit margin of 19.44%.

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