OppFi (OPFI) Financial Ratios: P/E, ROE & More

OppFi (OPFI) Financial Ratios

For fiscal 2025 (fiscal year ended Dec 31, 2025), OppFi had a P/E ratio of 10.99 (down from 22.39), return on equity of 53.9% (up from 39.1%), debt-to-equity of 1.08 (down from 1.42) and a current ratio of 5.71 (down from 8.92). A current ratio of 5.71 means current assets exceed current liabilities.

OppFi Financial Ratios Analysis

Valuation, profitability, leverage, and liquidity ratios

Income Statement Balance Sheet Cash Flow Ratios

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Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Valuation Ratios
P/E Ratio	10.99	22.39	-	4.19	2.39	16.16
Forward P/E	6.37	8.98	9.57	117.14	6.16	-
P/S Ratio	0.85	0.59	0.40	0.16	0.26	0.46
P/B Ratio	0.94	0.69	0.47	0.19	0.39	0.93
Price/Tangible Book	4.95	4.96	8.73	-	-	4.23
Price/FCF	0.76	0.52	0.32	0.13	0.40	0.51
Price/OCF	0.72	0.50	0.31	0.12	0.36	0.48
Enterprise Value Ratios
EV/Revenue	-	-	-	-	-	1.06
EV/EBITDA	-	-	-	-	-	2.51
EV/EBIT	-	-	-	-	-	2.73
EV/FCF	-	-	-	-	-	1.17
Profitability & Returns
Return on Equity (ROE)	53.86%	39.15%	22.36%	2.11%	69.82%	113.34%
Return on Assets (ROA)	20.96%	13.49%	6.68%	0.62%	22.79%	27.08%
Return on Invested Capital (ROIC)	25.65%	16.74%	7.68%	-0.48%	16.56%	34.73%
Return on Capital Employed (ROCE)	-	-	-	-	-	29.88%
Leverage & Solvency Ratios
Debt/Equity	1.08	1.42	1.80	2.29	1.74	1.59
Debt/EBITDA	-	-	-	-	-	1.88
Debt/FCF	0.87	1.07	1.22	1.58	1.79	0.87
Liquidity Ratios
Current Ratio	5.71	8.92	19.33	15.98	7.75	9.43
Quick Ratio	5.32	8.46	17.75	14.85	7.11	9.43
Efficiency Ratios
Asset Turnover	0.49	0.45	0.38	0.34	0.61	0.70
Yield & Distribution Ratios
Earnings Yield	9.10%	4.47%	-1.10%	23.87%	41.80%	6.19%
FCF Yield	132.08%	191.22%	315.10%	773.61%	250.25%	196.14%
Dividend Yield	-	-	-	-	-	3.77%
Payout Ratio	24.36%	32.71%	-	-	196.61%	20.35%
Buyback Yield	-31.57%	-22.90%	80.55%	0.26%	-	-
Total Return	-	-	-	-	-	3.77%

Source: Company financial statements from annual and quarterly filings. Data as of Jun 30, 2026. Data sources and methodology

Frequently Asked Questions About OppFi Financial Ratios

What is OppFi's P/E ratio?

OppFi's P/E ratio was 10.99 for fiscal 2025 (period ended Dec 31, 2025). It was 22.39 a year earlier.

What is OppFi's return on equity?

OppFi's return on equity (ROE) was 53.9% for fiscal 2025 (period ended Dec 31, 2025). It was 39.1% a year earlier.

What is OppFi's debt-to-equity ratio?

OppFi's debt-to-equity ratio was 1.08 for fiscal 2025 (period ended Dec 31, 2025). It was 1.42 a year earlier.

What is return on equity (ROE)?

Return on equity is net income divided by shareholders' equity. It measures how much profit a company generates from the capital its shareholders have invested. Full definition