Stocktoria
OppFi Inc. OPFI
OppFi Inc. (OPFI) earns a Piotroski F-score of 4/9 (mixed financial health). It pays a dividend yielding 0.48% (safety: safe).
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
Analyst price target
Wall Street analyst consensus — a sentiment gauge, not our scoring.
How it ranks in Finance, Insurance & Real Estate · percentile among 1129 companies
Percentile vs other Finance, Insurance & Real Estate companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 4/9 tests passed
- 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
Sector peers · similar-size Finance, Insurance & Real Estate companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| OPFI | OppFi Inc. | 4/9 | — | 50.8 | — |
| AXP | AMERICAN EXPRESS CO | 4/9 | — | 21.4 | +6.4% |
| LX | LexinFintech Holdings Ltd. | 4/9 | — | — | -10% |
| COIN | Coinbase Global, Inc. | 4/9 | 4.64 | 31.2 | +9.4% |
| YRD | Yiren Digital Ltd. | 4/9 | — | — | -1.5% |
| CRCL | Circle Internet Group, Inc. | 3/9 | 0.19 | — | +63.9% |
| QFIN | Qfin Holdings, Inc. | 2/9 | 6.32 | — | +16.8% |
All Finance, Insurance & Real Estate companies →
About OppFi Inc.
OppFi Inc., a tech-enabled digital finance platform, provides financial products and services for banks in the United States. The company offers installment loans through OppLoans platform. It serves consumers who are turned away by mainstream options. OppFi Inc. was founded in 2012 and is based in Chicago, Illinois.
FAQ
Is OPFI financially healthy?
OppFi Inc.'s Piotroski F-score is 4/9 (8–9 is excellent, 0–3 weak).
Does OPFI pay a dividend, and is it safe?
Yes. OppFi Inc. pays a dividend yielding about 0.48% with a 24.4% payout ratio, rated “safe” for safety.
How profitable is OPFI?
In FY2025, OppFi Inc. had a return on equity of 8.5%.
Is OPFI overvalued or undervalued?
OppFi Inc. trades at about 6.9× trailing earnings — below its 10-year norm (10-year range 9.6×–46.0×, median 38.1×). Stocktoria reports the data, not buy/sell advice.
What is the analyst price target for OPFI?
The average Wall-Street price target for OppFi Inc. is $14.00, about 104.1% above the recent price, from 3 analysts (consensus: buy).
Is OPFI a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on OppFi Inc.: a Piotroski F-score of 4/9, a P/E of about 50.8×, a dividend yield of 0.48%. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.