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About the company
OppFi Inc. is a tech-enabled, mission-driven specialty finance platform. It provides customer experience in the industry and enables banks to offer credit products. Its primary product is offered by its OppLoans platform. The OppFi platform is a mobile-optimized online application where eligible applicants, at their request, are able to opt into the OppFi TurnUp Program. This program helps these applicants find more affordable credit options by checking the market voluntarily on their behalf for a sub-36% annual percentage rate, products offered by third-party lenders through other platforms. It collects and calculates more than 500 attributes on loan applications for use in underwriting decisions. These attributes are based on data from credit bureaus, bank transactions and loan applications. Using this information, OppFi generates a score in combination with scores generated by third-party providers. It offers a same-day funding service in collaboration with its partner banks.
- Revenue in USD (TTM)573.52m
- Net income in USD3.87m
- Incorporated2020
- Employees445.00
- LocationOppFi Inc130 E. Randolph Street, Suite 3400CHICAGO 60601United StatesUSA
- Phone+1 (312) 212-8079
- Fax+1 (302) 636-5454
- Websitehttps://www.oppfi.com/
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Peer analysis
Key Information
- Key Information
- Stock Performance
- Per Share Data
- Efficiency
- Management Effectiveness
- Profitability
- Financial Strength
- Growth Rates
| Company | Revenue (TTM) | Net income (TTM) | Market cap | Employees | Price/earnings (TTM) | Price/book value (MRQ) | Price/cash flow (TTM) | Price/sales (TTM) | EPS (excl. extraordinary items, TTM) | EPS (incl. extraordinary items, TTM) | Revenue per share (TTM) | Book value per share (MRQ) | Asset turnover (TTM) | Inventory turnover (TTM) | Receivables turnover (TTM) | Revenues per employee (TTM) | Return on avg assets (TTM) | Return on avg assets (5 yr avg) | Return on investment (TTM) | Return on investment (5 yr avg) | Gross margin (TTM) | Gross margin (5 yr avg) | Net profit margin (TTM) | Net Profit margin (5 yr avg) | Quick ratio (MRQ) | Interest coverage (TTM) | Total debt to capital (MRQ) | Payout ratio (5 yr avg) | Revenue (YOY change %) | Revenue (5 yr growth rate) | Net income (YOY change %) | Net income (5 yr growth rate) | Capital expenditure (5 yr growth rate) | Dividend (5 yr growth rate) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Nextdoor Holdings Inc | 253.40m | -62.29m | 639.14m | 546.00 | -- | 1.47 | -- | 2.52 | -0.1622 | -0.1622 | 0.6598 | 1.11 | 0.5035 | -- | 8.10 | 464,093.40 | -12.38 | -- | -13.16 | -- | 83.82 | -- | -24.58 | -- | -- | -- | 0.00 | -- | 13.27 | -- | 33.64 | -- | -- | -- |
| Arteris Inc | 65.93m | -34.45m | 651.76m | 285.00 | -- | -- | -- | 9.89 | -0.8317 | -0.8317 | 1.59 | -0.2627 | 0.6418 | -- | 5.23 | 246,932.60 | -33.53 | -27.57 | -81.57 | -49.82 | 89.98 | 91.12 | -52.25 | -53.37 | -- | -10.97 | -- | -- | 7.56 | 12.88 | 8.76 | -- | 6.01 | -- |
| Yext Inc | 447.67m | 26.38m | 654.83m | 1.15k | 26.58 | 4.23 | 12.33 | 1.46 | 0.2009 | 0.2009 | 3.45 | 1.26 | 0.8168 | -- | 5.63 | 389,274.80 | 4.81 | -10.03 | 8.34 | -19.87 | 75.28 | 76.03 | 5.89 | -14.43 | -- | 11.63 | 0.3875 | -- | 4.11 | 7.09 | -962.66 | -- | -29.40 | -- |
| Cars.com Inc | 719.77m | 29.96m | 655.55m | 1.80k | 23.87 | 1.39 | 5.04 | 0.9108 | 0.4591 | 0.4591 | 11.15 | 7.91 | 0.6574 | -- | 5.67 | 399,870.60 | 2.74 | -10.16 | 3.05 | -11.20 | 67.07 | 68.52 | 4.16 | -18.39 | -- | 1.90 | 0.4858 | -- | 4.35 | 3.46 | -59.32 | -- | -32.40 | -- |
| Ci&T Inc | 467.63m | 36.55m | 664.82m | 6.91k | 17.96 | 2.18 | 12.33 | 1.42 | 0.2751 | 0.2751 | 3.51 | 2.27 | 0.8326 | -- | 3.50 | 67,704.27 | 6.51 | -- | 8.68 | -- | 32.70 | -- | 7.82 | -- | -- | 7.87 | 0.3217 | -- | -1.79 | -- | 11.88 | -- | -- | -- |
| Udemy Inc | 789.84m | 3.81m | 667.34m | 1.25k | 188.65 | 3.17 | 22.80 | 0.8449 | 0.0245 | 0.0245 | 5.30 | 1.46 | 1.29 | -- | 8.58 | -- | 0.6224 | -12.91 | 1.79 | -29.43 | 65.63 | 59.80 | 0.482 | -12.25 | -- | -- | -- | -- | 0.4169 | 12.94 | 104.46 | -- | 4.00 | -- |
| Daily Journal Corp | 87.70m | 112.14m | 699.30m | 415.00 | 6.24 | 1.79 | 6.22 | 7.97 | 81.40 | 81.40 | 63.67 | 283.91 | 0.1843 | -- | 4.36 | 211,325.30 | 23.56 | 13.43 | 25.64 | 14.89 | 90.05 | 90.10 | 127.86 | 75.74 | -- | -- | 0.0555 | 0.00 | 25.41 | 11.92 | 43.56 | 94.38 | -46.59 | -- |
| Alight Inc | 2.29bn | -2.13bn | 714.49m | 9.50k | -- | 0.3568 | -- | 0.3121 | -4.03 | -4.09 | 4.34 | 3.76 | 0.3315 | -- | 5.01 | 240,947.40 | -30.82 | -1.63 | -35.33 | -2.15 | 34.78 | 32.55 | -92.97 | -6.15 | -- | 3.67 | 0.5071 | -- | -2.26 | -1.79 | 54.00 | -- | 9.46 | -- |
| Phreesia Inc | 463.21m | -5.38m | 715.00m | 2.08k | -- | 2.23 | 30.81 | 1.54 | -0.0961 | -0.0961 | 7.71 | 5.32 | 1.16 | -- | 5.80 | 222,480.80 | -1.35 | -28.17 | -1.82 | -35.71 | 68.20 | 64.62 | -1.16 | -36.44 | -- | -- | 0.029 | -- | 17.83 | 27.46 | 57.24 | -- | 14.35 | -- |
| Bumble Inc | 1.00bn | -198.78m | 734.46m | 1.20k | -- | 0.4655 | -- | 0.7322 | -2.05 | -2.05 | 8.50 | 5.99 | 0.4195 | -- | 10.29 | -- | -11.97 | -4.63 | -15.90 | -5.99 | 70.69 | 71.68 | -28.53 | -17.06 | -- | 4.41 | 0.3624 | -- | 1.88 | 16.99 | -13,121.17 | -- | 22.56 | -- |
| Goodrx Holdings Inc | 800.65m | 31.75m | 739.96m | 738.00 | 25.45 | 1.24 | 6.55 | 0.9242 | 0.0857 | 0.0857 | 2.17 | 1.76 | 0.5974 | -- | 4.79 | 1,084,893.00 | 2.37 | -4.81 | 2.66 | -5.11 | 93.46 | 92.88 | 3.97 | -9.55 | -- | 3.53 | 0.4488 | -- | 5.61 | 15.34 | 284.82 | -24.33 | 65.02 | -- |
| Oppfi Inc | 573.52m | 3.87m | 760.85m | 445.00 | -- | 15.44 | 5.93 | 1.33 | -1.05 | -1.05 | 14.34 | 0.5707 | 0.8561 | -- | 224.03 | 1,288,816.00 | 18.18 | 12.08 | 29.10 | 18.11 | 98.87 | 98.14 | 21.23 | 13.79 | -- | 5.51 | 0.5364 | -- | 2.74 | 18.08 | 822.19 | -26.13 | 14.39 | -- |
| Amplitude Inc | 329.92m | -103.48m | 830.19m | 724.00 | -- | 3.17 | -- | 2.52 | -0.7946 | -0.7946 | 2.53 | 1.96 | 0.7466 | -- | 10.29 | 455,687.80 | -23.42 | -22.18 | -36.92 | -30.80 | 73.96 | 72.17 | -31.36 | -34.86 | -- | -- | 0.00 | -- | 8.32 | 34.32 | -4.38 | -- | 21.63 | -- |
| Schrodinger Inc | 256.95m | -175.99m | 833.15m | 891.00 | -- | 2.59 | -- | 3.24 | -2.40 | -2.40 | 3.51 | 4.36 | 0.3885 | -- | 5.08 | 288,385.00 | -26.61 | -12.16 | -33.00 | -14.31 | 58.16 | 59.08 | -68.49 | -49.75 | -- | -41.56 | 0.00 | -- | -4.21 | 19.39 | -559.54 | -- | 31.83 | -- |
| WeShop Holdings Ltd | 810.22k | -11.07m | 855.69m | 19.00 | -- | 228.29 | -- | 1,056.13 | -0.4755 | -0.4755 | 0.0348 | 0.1599 | -- | -- | -- | -- | -- | -- | -- | -- | -351.26 | -- | -1,366.59 | -- | -- | -18.38 | 0.6347 | -- | -10.87 | -- | 80.32 | -- | -- | -- |
Data as of Feb 12 2026. Currency figures normalised to OppFi Inc's reporting currency: US Dollar USD
33.43%Per cent of shares held by top holders
| Holder | Shares | % Held |
|---|---|---|
| BlackRock Fund Advisorsas of 30 Sep 2025 | 1.65m | 5.98% |
| The Vanguard Group, Inc.as of 31 Dec 2025 | 1.42m | 5.12% |
| Millennium Management LLCas of 30 Sep 2025 | 1.08m | 3.89% |
| UBS Securities LLCas of 31 Dec 2025 | 1.06m | 3.85% |
| Wellington Management Co. LLPas of 30 Sep 2025 | 808.25k | 2.92% |
| JPMorgan Securities LLC (Investment Management)as of 30 Sep 2025 | 768.75k | 2.78% |
| Renaissance Technologies LLCas of 30 Sep 2025 | 653.82k | 2.36% |
| Two Sigma Investments LPas of 30 Sep 2025 | 646.10k | 2.34% |
| Morgan Stanley & Co. LLCas of 30 Sep 2025 | 589.87k | 2.13% |
| Geode Capital Management LLCas of 30 Sep 2025 | 569.23k | 2.06% |
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Data from 30 Sep 2025 - 31 Dec 2025Source: FactSet Research Systems Inc.
