OppFi Inc (OPFI) — Titan Protect Analysis

OPFI

OppFi Inc

Financial · ·

$8.31

Data: 2026-06-03

✗ ETHICAL FAIL

NONE MOAT

LIMITED

Data Confidence: 0.0%

Key Metrics

How this company measures up on the fundamentals that matter

Market Cap

$1.2B

Total market value of the company

Trailing P/E

4.01

Very cheap relative to earnings

Forward P/E

3.80

Based on estimated future earnings — lower means cheaper

Rev Growth

-2.2%

Year-over-year revenue change

Profit Margin

19.4%

How much profit the company keeps from each dollar of revenue

ROE

62.1%

Return on equity — how efficiently it uses shareholder money

Analyst Target

$15.00

+81% from current price — median analyst estimate

Recommendation

NONE

Consensus view from 3 analysts covering this stock

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.

https://www.oppfi.com

Country: United States Employees: 410 Industry: Credit Services

Ethical Screening

Five compliance checks based on AAOIFI standards — all must pass for ethical clearance

Business Activity

FAIL

Core business does not involve prohibited activities

Debt Ratio

0.0% PENDING

Debt must be below 33% of total assets

Cash Ratio

0.0% PENDING

Interest-bearing cash below 33% of assets

Receivables

0.0% PENDING

Receivables below 49% of assets

Revenue Purity

0.0% PENDING

Non-compliant revenue below 5% — any excess requires purification

Quantitative Intelligence

Statistical analysis of price behaviour, risk, and market regime — independent of fundamental data

Regime

MARKDOWN

Price trending down — defensive positioning

Sharpe Ratio

1.102

Excellent risk-adjusted returns

Kelly Fraction

0.0677

Suggested allocation is meaningful — the edge justifies a position

Calmar Ratio

1.195

Returns exceed worst-case losses — strong risk profile

Annual Return

64.8%

Historical annualised return based on price data

Max Drawdown

-54.2%

Largest peak-to-trough decline — the worst it has been

HMM State

BEAR

Statistical model detects bearish conditions

Days in State

188

How long the current regime has persisted — longer means more stable

Market Data

Trading characteristics and market positioning

Beta

1.87

Significantly more volatile than the market

52W High

$15.03

45% below the year high

52W Low

$7.36

13% above the year low

Avg Volume

557,977

Average daily shares traded — higher means easier to buy and sell

Short Ratio

4.8

Days it would take all short sellers to cover — higher means more crowded

Short % Float

N/A

Div Yield

N/A

Annual dividend as a percentage of the share price

EPS (TTM)

$2.03

Earnings per share over the last 12 months

Financial Health

Balance sheet strength and cash generation — the foundation of long-term value

Debt/Equity

86.07

Heavy leverage — higher financial risk if revenues decline

Current Ratio

N/A

Quick Ratio

N/A

Like current ratio but excludes inventory — stricter test

Gross Margin

100.0%

Revenue left after cost of goods — higher means pricing power

Operating Margin

44.9%

Profit from core operations before interest and tax

Free Cash Flow

N/A

Negative — the business is spending more than it generates

Revenue (TTM)

$340M

Total revenue over the last 12 months

Net Income

$66M

Profitable — the bottom line is positive

Analyst Coverage

Analysts

Target High

$16.00

Target Median

$15.00

Target Low

$11.00

Explore the Ethical Screener View Track Record

Data sourced from public filings and market feeds. Not financial advice. Updated: 2026-06-03

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