Stock Fundamentals

Company Information

Company Name
OppFi Inc
Sector
Financial Services
Industry
Credit Services
Exchange
NYSE
ISIN: US68386H1032
CIK: 0001818502
CUSIP: 68386H103
Currency: USD
Full Time Employees: 410
Phone: 312 212 8079
Fiscal Year End: December
IPO Date: Nov 20, 2020
Description:

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.

Address:

One Prudential Plaza, Chicago, IL, United States, 60601

Directors & Officers

Name Title Year Born
Mr. Todd G. Schwartz Founder, Executive Chairman & CEO 1983
Mr. Theodore G. Schwartz Co-Founder & Director 1954
Ms. Pamela D. Johnson CPA CFO & Chief Accounting Officer 1962
Mr. Christopher McKay Chief Risk & Analytics Officer 1978
Mr. Manuel Chagas Chief Operating Officer NA
Mr. Yuri Ter-Saakyants Chief Technology Officer NA
Mr. Shaun Smolarz Head of Investor Relations NA
Mr. Marv Gurevich General Counsel & Secretary NA
Carrie Hagner Chief Compliance Officer NA
Stephanie Metzger Chief Marketing & Product Officer NA

Insider Trading

Date Insider Name Title Transaction Type Shares Price Value
Mar 12, 2026 Jocelyn Moore N/A Sale 8.19K $8.53 $69.86K
Dec 11, 2025 Jocelyn Moore N/A Sale 4.46K $10.91 $48.70K
Nov 03, 2025 Christopher J Mckay N/A Sale 1.11K $9.85 $10.90K
Nov 03, 2025 Pamela D Johnson N/A Sale 1.13K $10.00 $11.29K
Oct 02, 2025 Christopher J Mckay N/A Sale 9.03K $11.21 $101.23K
Oct 02, 2025 Pamela D Johnson N/A Sale 5.50K $11.21 $61.62K
Aug 12, 2025 Theodore G Schwartz N/A Sale 102.33K $10.80 $1.11M
Aug 11, 2025 Theodore G Schwartz N/A Sale 102.96K $11.08 $1.14M
Jul 14, 2025 Theodore G Schwartz N/A Sale 128.19K $12.05 $1.54M
Jul 11, 2025 Theodore G Schwartz N/A Sale 121.81K $12.70 $1.55M
Jul 02, 2025 Pamela D Johnson N/A Sale 5.50K $13.41 $73.69K
Jul 02, 2025 Christopher J Mckay N/A Sale 9.03K $13.41 $121.09K
Jun 17, 2025 Theodore G Schwartz N/A Sale 122.53K $11.81 $1.45M
Jun 16, 2025 Theodore G Schwartz N/A Sale 90.17K $12.41 $1.12M
Jun 13, 2025 Theodore G Schwartz N/A Sale 96.95K $12.24 $1.19M
Jun 12, 2025 Theodore G Schwartz N/A Sale 190.35K $12.87 $2.45M
Jun 11, 2025 Gregory T Zeeman N/A Sale 50.00K $13.98 $699.00K
Jun 11, 2025 Pamela D Johnson N/A Sale 35.89K $13.97 $501.38K
May 15, 2025 Theodore G Schwartz N/A Sale 185.09K $11.59 $2.15M
May 14, 2025 Theodore G Schwartz N/A Sale 90.10K $12.18 $1.10M

Institutional Holders

Holder Name Shares Date Reported % Out Value % Change
Wellington Management Company LLP 2.63M Mar 31, 2026 3.08% $0.00 6.31%
BlackRock Inc 1.94M Mar 31, 2026 2.27% $0.00 -2.66%
Vanguard Group Inc 1.63M Dec 31, 2025 1.91% $0.00 3.08%
Vanguard Capital Management, LLC 1.19M Mar 31, 2026 1.39% $0.00 0.00%
Two Sigma Investments LLC 1.10M Mar 31, 2026 1.28% $0.01 70.10%
Morgan Stanley - Brokerage Accounts 710.31K Mar 31, 2026 0.83% $0.00 -21.14%
JPMorgan Chase & Co 665.06K Mar 31, 2026 0.78% $0.00 -9.92%
Nuveen, LLC 652.60K Mar 31, 2026 0.76% $0.00 -13.45%
Renaissance Technologies Corp 630.31K Mar 31, 2026 0.74% $0.01 2.29%
Geode Capital Management, LLC 611.18K Mar 31, 2026 0.72% $0.00 1.14%
Two Sigma Advisers, LLC 552.50K Dec 31, 2025 0.65% $0.01 -2.83%
State Street Corp 536.22K Mar 31, 2026 0.63% $0.00 0.55%
Citadel Advisors Llc 510.98K Mar 31, 2026 0.60% $0.00 -10.20%
LB Partners LLC 500.00K Mar 31, 2026 0.59% $3.46 0.00%
Tudor Investment Corp Et AL 487.29K Mar 31, 2026 0.57% $0.01 -6.67%
Trexquant Investment LP 446.62K Mar 31, 2026 0.52% $0.02 1.47%
Millennium Management LLC 441.79K Mar 31, 2026 0.52% $0.00 -27.62%
Dimensional Fund Advisors, Inc. 426.09K Mar 31, 2026 0.50% $0.00 49.96%
GlobeFlex Capital, L.P. 334.44K Mar 31, 2026 0.39% $0.39 0.00%
UBS Group AG 329.22K Mar 31, 2026 0.39% $0.00 -71.03%

Shares Statistics

Shares Outstanding: 85.39M
Shares Float: 33.76M
% Insiders: 6,050.80%
% Institutions: 2,352.30%
Short % Float: 3.21%

Fund Holdings

Rank Holder Name Shares Held % of Shares Change Date Reported
1 Vanguard Total Stock Mkt Idx Inv 845.86K 0.99% ▲ 0.00% Apr 30, 2026
2 iShares Russell 2000 ETF 645.96K 0.76% ▲ 0.93% May 29, 2026
3 Nuveen Quant Small Cap Equity R6 554.88K 0.65% ▲ 0.00% Apr 30, 2026
4 Wellington Emerging Companies 361.80K 0.42% ▲ 0.00% Mar 31, 2026
5 Vanguard Institutional Extnd Mkt Idx Tr 313.55K 0.37% ▲ 0.00% Apr 30, 2026
6 Fidelity Small Cap Index 248.04K 0.29% ▼ 2.83% Mar 31, 2026
7 iShares Russell 2000 Growth ETF 217.07K 0.25% ▼ 0.65% May 29, 2026
8 State St Russell Sm/Mid Cp® Indx SL Cl I 168.93K 0.20% ▲ 0.00% May 31, 2026
9 Russell 2000 Equity Index Fund B 161.16K 0.19% ▲ 0.03% Dec 31, 2025
10 Wellington CIF Micro Cap Equity 160.23K 0.19% ▲ 0.11% Mar 31, 2026

Valuation Metrics

Enterprise Value: $1.04B
Trailing P/E: 4.65
Forward P/E: 5.24

Financial Highlights

Market Cap: $1.36B
P/E Ratio: $4.65
Book Value: $2.86
Earnings/Share: $2.03
Profit Margin: 19.44%
Operating Margin: 44.88%
ROA (TTM): 26.45%
ROE (TTM): 62.06%
Revenue (TTM): $340.04M
Revenue/Share (TTM): $12.47
Earnings Growth (YOY): 266.40%
Revenue Growth (YOY): -2.20%

Stock Price History

1 Year Price History

2 Years Price History

5 Years Price History

10 Years Price History

Financial Charts

Revenue & Net Income (Yearly)

Revenue & Net Income (Quarterly)

Operating Expenses (Yearly)

Operating Expenses (Quarterly)

Balance Sheet (Yearly)

Balance Sheet (Quarterly)

Assets Breakdown (Yearly)

Assets Breakdown (Quarterly)

Liabilities Breakdown (Yearly)

Liabilities Breakdown (Quarterly)

Earnings Per Share (EPS) History

Financial Ratios

Balance Sheet (Yearly)

Financial Ratios

Date Current Ratio Debt/Equity Debt/Assets Interest Coverage Debt/EBITDA
2025-12-31 7.44x 6.62x 0.59x 4.91x 1.93x
2024-12-31 9.43x 9.73x 0.63x 0.52x 1.03x
2023-12-31 10.48x 32.14x 0.68x 0.99x 1.16x
2022-12-31 9.24x -593.02x 0.73x -0.18x 1.20x
2021-12-31 7.75x 1.88x 0.69x 417.93x 2.95x
2020-12-31 6.03x 1.59x 0.65x 4.02x 1.53x
2019-12-31 1.09x 5.98x 0.87x 1.60x 52.30x

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