Stocktoria
OppFi Inc. OPFI
NYSE · XNYS · stock · Finance Services · website · IPO 2020-09-30
Chart by TradingView
4/9
Piotroski F — financial health
—
Altman Z″ — distress risk
24.4%
Dividend payout · safe
Financials & ratios (annual, from 10-K)
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Financials | |||||
| Operating income | $166.7M | $94.5M | $46.4M | -$6.3M | $57.3M |
| Net income | $26.3M | $7.3M | -$1.0M | $7.1M | $25.6M |
| Operating cash flow | $401.3M | $323.8M | $296.1M | $243.3M | $167.3M |
| Total assets | $754.1M | $641.2M | $601.5M | $579.8M | $502.1M |
| Total liabilities | $445.2M | $407.0M | $407.5M | $420.7M | $344.2M |
| Shareholders' equity | $308.9M | $234.2M | $194.0M | $159.2M | $157.9M |
| Ratios | |||||
| Return on assets | 3.5% | 1.1% | -0.2% | 1.2% | 5.1% |
| Return on equity | 8.5% | 3.1% | -0.5% | 4.5% | 16.2% |
| Debt / equity | — | — | — | — | 0.32× |
Notable holders (13F)
| Investor | Shares | Value |
|---|---|---|
| RENAISSANCE TECHNOLOGIES LLC | 630,308 | $4.9M |
Why these scores methodology →
Piotroski F-score: 4/9
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Altman Z″: n/a
Not applicable (financials/insurer or missing inputs).
Sector peers
IX · MUFG · MFG · NMR · UNH · CI · all Finance, Insurance & Real Estate →
Source: SEC EDGAR filings · CIK 0001818502 · as of 2025-12-31. Figures are facts from filings plus Stocktoria's own computed scores — not investment advice.