📊 OPFI-WT Key Takeaways
Is OppFi Inc. (OPFI-WT) a Good Investment?
OppFi demonstrates exceptional financial fundamentals with 56.6% revenue growth, outstanding 27.9% operating margins, and exceptional 64% free cash flow margins of $382.2M, indicating strong operational execution. However, the critical gap between operating income ($166.7M) and net income ($26.3M), combined with a dangerously low 0.28x current ratio and minimal equity base ($58.5M vs $445.2M liabilities), presents significant structural and liquidity risks that must be monitored.
Why Buy OppFi Inc. Stock? OPFI-WT Key Strengths
- Exceptional revenue growth of 56.6% YoY indicating strong market traction
- Outstanding operating margins of 27.9% and world-class free cash flow generation at 64% FCF margin
- Extraordinary 45% ROE demonstrates efficient capital deployment despite balance sheet constraints
- Operating cash flow of $401.3M significantly exceeds net income, validating cash conversion quality
OPFI-WT Stock Risks: OppFi Inc. Investment Risks
- Critical liquidity crisis: 0.28x current ratio is dangerously below 1.0x, indicating current liabilities exceed current assets
- Massive profitability gap: $140.4M difference between operating ($166.7M) and net income ($26.3M) suggests unsustainable debt burden and loan loss provisions
- Extreme leverage: Stockholders' equity of only $58.5M against $445.2M liabilities (7.6x ratio) leaves minimal financial cushion
- Net income growth flat at 0% despite 56.6% revenue growth indicates operational leverage is not translating to bottom-line profitability
Key Metrics to Watch
- Current and quick ratios - liquidity must improve above 1.0x threshold
- Net income and operating margin trends - critical that bottom-line profitability accelerates
- Total liabilities-to-equity ratio - monitor deleveraging or equity base expansion
- Loan loss provisions and portfolio credit quality - implied by operating-to-net income gap
OppFi Inc. (OPFI-WT) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The 64.0% free cash flow margin provides substantial flexibility for dividends, buybacks, and strategic investments. The current ratio below 1.0x warrants monitoring of short-term liquidity.
OPFI-WT Profit Margin, ROE & Profitability Analysis
OPFI-WT vs Finance Sector: How OppFi Inc. Compares
How OppFi Inc. compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is OppFi Inc. Stock Overvalued? OPFI-WT Valuation Analysis 2026
Based on fundamental analysis, OppFi Inc. has mixed fundamental signals relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
OppFi Inc. Balance Sheet: OPFI-WT Debt, Cash & Liquidity
OPFI-WT Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: OppFi Inc.'s revenue has remained relatively flat over the 5-year period, with a 0% decline. The most recent EPS of $-0.06 indicates the company is currently unprofitable.
OPFI-WT Revenue Growth, EPS Growth & YoY Performance
OppFi Inc. Dividends, Buybacks & Capital Allocation
OPFI-WT SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for OppFi Inc. (CIK: 0001818502)
📋 Recent SEC Filings
❓ Frequently Asked Questions about OPFI-WT
What is the AI rating for OPFI-WT?
OppFi Inc. (OPFI-WT) has an AI rating of BUY with 72% confidence, based on fundamental analysis of SEC EDGAR filings.
What are OPFI-WT's key strengths?
Claude: Exceptional revenue growth of 56.6% YoY indicating strong market traction. Outstanding operating margins of 27.9% and world-class free cash flow generation at 64% FCF margin.
What are the risks of investing in OPFI-WT?
Claude: Critical liquidity crisis: 0.28x current ratio is dangerously below 1.0x, indicating current liabilities exceed current assets. Massive profitability gap: $140.4M difference between operating ($166.7M) and net income ($26.3M) suggests unsustainable debt burden and loan loss provisions.
What is OPFI-WT's revenue and growth?
OppFi Inc. reported revenue of $597.1M.
Does OPFI-WT pay dividends?
OppFi Inc. pays dividends, with $6.4M distributed to shareholders in the trailing twelve months.
Where can I find OPFI-WT SEC filings?
Official SEC filings for OppFi Inc. (CIK: 0001818502) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is OPFI-WT's EPS?
OppFi Inc. has a diluted EPS of $0.99.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.
Is OPFI-WT a good stock to buy right now?
Based on our AI fundamental analysis in April 2026, OppFi Inc. has a BUY rating with 72% confidence. The AI analysis suggests favorable fundamentals based on SEC filings. This is not investment advice.
Is OPFI-WT stock overvalued or undervalued?
Valuation metrics for OPFI-WT: ROE of 45.0% (sector avg: 12%), net margin of 4.4% (sector avg: 25%). Higher ROE suggests strong returns relative to peers.
Should I buy OPFI-WT stock in 2026?
Our dual AI analysis gives OppFi Inc. a combined BUY rating for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is OPFI-WT's free cash flow?
OppFi Inc.'s operating cash flow is $401.3M, with capital expenditures of $19.1M. FCF margin is 64.0%.
How does OPFI-WT compare to other Finance stocks?
Vs Finance sector averages: Net margin 4.4% (avg: 25%), ROE 45.0% (avg: 12%), current ratio 0.28 (avg: 1.2).
Why is OPFI-WT's return on equity (ROE) so high?
OppFi Inc. has a return on equity of 45.0%, significantly above the Finance sector average of 12%. A high ROE indicates the company is efficient at generating profits from shareholder equity. This is supported by a 4.4% net margin.