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OppFi Inc

Financial Services US OPFI

2.76USD
-0.02(0.72%)

Last update at 2024-05-03T20:10:00Z

Day Range

2.732.87
LowHigh

52 Week Range

1.704.78
LowHigh

Financials

Income Statement

Balancesheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Income before tax 3.06M 90.11M 77.52M 32.99M 9.73M
Minority interest 64.24M 64.24M - - -
Net income 3.34M 89.80M 58.23M 12.34M 9.73M
Selling general administrative 102.28M 111.94M 71.28M 36.56M 30.08M
Selling and marketing expenses 58.29M 52.46M 18.64M 11.35M -
Gross profit 379.83M 275.45M 239.19M 205.44M -
Reconciled depreciation 13.58M 10.28M 6.73M 4.28M -
Ebit 264.03M 165.16M 77.52M 53.65M -
Ebitda 277.61M 175.44M 103.53M 57.93M -
Depreciation and amortization 13.58M 10.28M 26.02M 4.28M -
Non operating income net other 32.85M 32.85M - - -
Operating income 264.03M 165.16M 77.52M 53.65M 10.24M
Other operating expenses 186.51M 183.09M 192.27M 173.69M 206.42M
Interest expense 32.79M 21.95M 19.28M 20.65M 11.98M
Tax provision -0.27700M 0.31M 0.00000M 0.00000M -
Interest income - - - - -
Net interest income -35.16200M -24.25600M -21.22800M -22.43600M -
Extraordinary items - - - - -
Non recurring - - - - -
Other items - - - - -
Income tax expense -0.27700M 0.31M 19.28M 20.65M -
Total revenue 452.86M 350.57M 291.01M 229.12M 114.25M
Total operating expenses 186.51M 183.09M 192.27M 173.69M -
Cost of revenue 73.03M 75.11M 51.82M 23.68M -
Total other income expense net -260.96800M -75.05700M -21.22800M -20.65100M -
Discontinued operations - - - - -
Net income from continuing ops 89.80M 89.80M 77.52M 32.99M -
Net income applicable to common shares 25.55M 25.55M 77.52M 32.99M 9.73M
Preferred stock and other adjustments - - - - -
Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31
Type yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31
Total assets 579.84M 502.11M 285.84M 286.63M
Intangible assets - - - -
Earning assets - - - -
Other current assets 33.98M 37.30M 20.06M 19.19M
Total liab 420.69M 344.23M 186.51M 249.18M
Total stockholder equity -0.49400M -9.04000M 99.33M 37.45M
Deferred long term liab 4.05M 1.52M 2.60M 1.99M
Other current liab 23.22M 29.59M 27.03M 0.20M
Common stock 0.01M 0.01M 0.24M -
Capital stock 0.01M 0.01M 6.66M -
Retained earnings -63.54600M -70.72300M 92.32M 30.58M
Other liab 27.51M 70.21M 4.24M 4.98M
Good will - - - -
Other assets 460.49M 0.00044M 7.38M 7.07M
Cash 16.24M 25.06M 25.60M -
Cash and equivalents 49.67M 25.06M 25.60M 16.79M
Total current liabilities 29.56M 58.14M 44.43M 20.31M
Current deferred revenue - - - -
Net debt 347.38M 248.96M 132.50M -
Short term debt 1.62M 22.44M 16.02M 0.00000M
Short long term debt - 22.44M 16.02M -
Short long term debt total 363.62M 274.02M 158.10M -
Other stockholder equity 63.04M 61.67M 0.35M -
Property plant equipment 14.64M 14.64M 10.56M 6.57M
Total current assets 510.16M 450.47M 267.90M 272.99M
Long term investments - - 243.38M -
Net tangible assets -9.04000M 157.88M 222.18M 30.79M
Short term investments - - 0.24M -
Net receivables 459.94M 388.11M 222.24M 237.01M
Long term debt 274.02M 274.02M 142.08M 223.90M
Inventory - - - -
Accounts payable 6.34M 6.10M 1.38M 4.75M
Total permanent equity - - - -
Noncontrolling interest in consolidated entity 166.92M 166.92M - -
Temporary equity redeemable noncontrolling interests - - - -
Accumulated other comprehensive income - - - -
Additional paid in capital - - - -
Common stock total equity 0.01M 0.01M 0.24M -
Preferred stock total equity - - - -
Retained earnings total equity -70.72300M -70.72300M -8.03845M -
Treasury stock - - - -
Accumulated amortization - - - -
Non currrent assets other 15.30M 11.40M 7.38M -
Deferred long term asset charges - - - -
Non current assets total 69.68M 51.63M 17.94M -
Capital lease obligations 16.56M - - -
Long term debt total 274.02M 274.02M 158.10M 223.90M
Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Investments -185.09700M -185.09700M -98.31200M -214.15000M -
Change to liabilities 11.66M 11.66M -3.37000M 1.14M 0.33M
Total cashflows from investing activities -199.47000M -199.47000M -98.31200M -214.15000M -123.61437M
Net borrowings 0.09M 0.09M -65.97300M 89.81M 77.41M
Total cash from financing activities 61.26M 48.83M -84.12200M 78.01M 72.83M
Change to operating activities -4.43500M 3.25M 12.47M -0.54900M -4.32231M
Net income 3.34M 89.80M 77.52M 32.99M 9.73M
Change in cash -12.69200M 16.70M 9.68M 12.78M 12.25M
Begin period cash flow 62.36M 45.66M 35.98M 23.20M -
End period cash flow 49.67M 62.36M 45.66M 35.98M 23.20M
Total cash from operating activities 243.30M 167.35M 192.11M 148.92M 63.03M
Issuance of capital stock - - - - -
Depreciation 13.58M 10.28M 6.73M 4.28M 2.42M
Other cashflows from investing activities -303.99400M -185.09700M -9.90500M -14.87000M -8.86420M
Dividends paid 1.31M 51.02M 15.78M 9.48M 2.35M
Change to inventory - - - - -
Change to account receivables -2.00000M - 0.00000M - -
Sale purchase of stock -2.46000M 0.20M 0.00000M - -
Other cashflows from financing activities 88.34M 103.85M 3.98M 87.50M -2.23492M
Change to netincome -23.00200M -23.00200M 90.93M 114.32M 58.49M
Capital expenditures 13.25M 14.37M 10.72M 6.64M 4.10M
Change receivables -2.75100M -2.75100M - - -
Cash flows other operating 81.36M 81.36M - - -
Exchange rate changes - - - - -
Cash and cash equivalents changes 16.70M 16.70M - - -
Change in working capital -9.34500M 3.94M 14.99M -4.46200M -8.10979M
Stock based compensation 3.35M 3.01M 0.14M 0.07M -
Other non cash items 232.96M 60.86M 1.95M 1.78M -
Free cash flow 230.05M 152.97M 181.39M 142.28M -

Fundamentals

  • Previous Close 2.78
  • Market Cap511.50M
  • Volume48690
  • P/E Ratio13.17
  • Dividend Yield-%
  • Revenue TTM210.46M
  • Revenue Per Share TTM13.57
  • Gross Profit TTM 181.80M
  • Diluted EPS TTM0.35

Peer Comparison

Sector: Financial Services Industry: Credit Services

Company Change (USD) Price (USD) Trailing PE (x) Forward PE (x) Price Sales TTM (x) Price to Book Value (x) Enterprise Value to Revenue (x) Enterprise Value to EBITDA (x)
OPFI
OppFi Inc
-0.02 0.72% 2.76 13.17 - 2.29 6.92 0.82 4.64
V
Visa Inc. Class A
0.86 0.32% 268.47 31.25 25.97 16.18 13.64 16.19 23.37
MA
Mastercard Inc
2.48 0.56% 443.58 37.04 29.50 16.14 62.35 16.47 27.24
AXP
American Express Company
-1.73 0.74% 230.77 17.39 14.58 2.42 4.82
PYPL
PayPal Holdings Inc
-1.3 1.94% 65.68 18.46 10.94 2.29 3.37 2.25 10.57

Reports Covered

Stock Research & News

Profile

OppFi Inc. operates a financial technology platform that allows banks to offer lending products. Its platform facilitates the OppLoans, an installment loan product; SalaryTap, a payroll deduction secured installment loan product; and OppFi Card, a credit card product. The company was founded in 2012 and is headquartered in Chicago, Illinois.

OppFi Inc

130 East Randolph Street, Chicago, IL, United States, 60601

Key Executives

Name Title Year Born
Mr. Todd G. Schwartz Founder, CEO & Chairman 1983
Mr. Theodore G. Schwartz Co-Founder & Director 1954
Ms. Pamela D. Johnson CFO, Chief Accounting Officer and Principal Financial & Accounting Officer 1962
Mr. Manuel Chagas Chief Operating Officer NA
Mr. Shaun Smolarz Head of Investor Relations NA
Ms. Stacee Hasenbalg Chief Compliance Officer NA
Mr. Marv Gurevich Gen. Counsel NA
Wendy Serafin Sr. VP of Communications NA
Mr. Christopher McKay Chief Risk & Analytics Officer 1977
Mr. Ray Chay Sr. VP of Product & Operations NA

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