CA
NZ
UK
AU
IND
US
…
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.
Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website
A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.
OppFi Inc operates an online platform that connects near-prime and non-prime U.S. consumers to credit and financial services via technology-enabled underwriting and bank partnerships. Long-term growth may be driven by unmet demand in underserved credit markets, scalable data-driven underwriting and expanding product and funding channels, which could support efficiency gains.
Key risks include elevated credit losses in downturns, regulatory scrutiny of consumer lending, dependence on third-party funding and bank partners, and intense competition.
Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.
| 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 | -0.28M | 0.31M | 0.00M | 0.00M | - |
| Net interest income | -35.16M | -24.26M | -21.23M | -22.44M | - |
| Income tax expense | -0.28M | 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 | -260.97M | -75.06M | -21.23M | -20.65M | - |
| 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 |
| 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 |
| Other current assets | 33.98M | 37.30M | 20.06M | 19.19M |
| Total liab | 420.69M | 344.23M | 186.51M | 249.18M |
| Total stockholder equity | -0.49M | -9.04M | 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 | -63.55M | -70.72M | 92.32M | 30.58M |
| Other liab | 27.51M | 70.21M | 4.24M | 4.98M |
| Other assets | 460.49M | 0.00M | 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 |
| Net debt | 347.38M | 248.96M | 132.50M | - |
| Short term debt | 1.62M | 22.44M | 16.02M | 0.00M |
| 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 | -9.04M | 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 |
| Accounts payable | 6.34M | 6.10M | 1.38M | 4.75M |
| Noncontrolling interest in consolidated entity | 166.92M | 166.92M | - | - |
| Common stock total equity | 0.01M | 0.01M | 0.24M | - |
| Retained earnings total equity | -70.72M | -70.72M | -8.04M | - |
| Non currrent assets other | 15.30M | 11.40M | 7.38M | - |
| 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 | -185.10M | -185.10M | -98.31M | -214.15M | - |
| Change to liabilities | 11.66M | 11.66M | -3.37M | 1.14M | 0.33M |
| Total cashflows from investing activities | -199.47M | -199.47M | -98.31M | -214.15M | -123.61M |
| Net borrowings | 0.09M | 0.09M | -65.97M | 89.81M | 77.41M |
| Total cash from financing activities | 61.26M | 48.83M | -84.12M | 78.01M | 72.83M |
| Change to operating activities | -4.43M | 3.25M | 12.47M | -0.55M | -4.32M |
| Net income | 3.34M | 89.80M | 77.52M | 32.99M | 9.73M |
| Change in cash | -12.69M | 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 |
| Depreciation | 13.58M | 10.28M | 6.73M | 4.28M | 2.42M |
| Other cashflows from investing activities | -303.99M | -185.10M | -9.90M | -14.87M | -8.86M |
| Dividends paid | 1.31M | 51.02M | 15.78M | 9.48M | 2.35M |
| Change to account receivables | -2.00M | - | 0.00M | - | - |
| Sale purchase of stock | -2.46M | 0.20M | 0.00M | - | - |
| Other cashflows from financing activities | 88.34M | 103.85M | 3.98M | 87.50M | -2.23M |
| Change to netincome | -23.00M | -23.00M | 90.93M | 114.32M | 58.49M |
| Capital expenditures | 13.25M | 14.37M | 10.72M | 6.64M | 4.10M |
| Change receivables | -2.75M | -2.75M | - | - | - |
| Cash flows other operating | 81.36M | 81.36M | - | - | - |
| Cash and cash equivalents changes | 16.70M | 16.70M | - | - | - |
| Change in working capital | -9.35M | 3.94M | 14.99M | -4.46M | -8.11M |
| 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 | - |
Sector: Financial Services Industry: Credit Services
|
Stock Name
|
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 |
0.16 2.94% |
5.61 | 13.17 | - | 2.29 | 6.92 | 0.82 | 4.64 |
| V Visa Inc. Class A |
0.69 0.17% |
402.56 | 31.25 | 25.97 | 16.18 | 13.64 | 16.19 | 23.37 |
| MA Mastercard Inc |
3.26 0.53% |
613.11 | 31.59 | 24.88 | 14.31 | 89.68 | 14.71 | 23.34 |
| AXP American Express Company |
3.30 1.05% |
316.21 | 21.46 | 18.83 | 3.38 | 6.76 | 3.93 | - |
| COF Capital One Financial Corporation |
0.73 0.36% |
204.17 | 11.39 | 8.75 | 2.64 | 1.11 | 2.76 | - |
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.
| 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 |
Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.
Download a free report with stock ideas and industry insights for general information.
Download Free Report Now →
Basic Materials
-0.43%
Communication Services
-0.80%
Consumer Cyclical
-0.28%
Consumer Defensive
-0.47%
Energy
+0.39%
Financial Services
-0.37%
Financials
-0.92%
Healthcare
+0.69%
Industrials
+0.14%
Real Estate
-0.41%
Technology
+0.14%
Utilities
-0.27%
Note: Daily price change (%) by sector excluding stocks with +/-90% daily price change. Companies above $500 million market capitalization are considered.
Portfolio
Watchlist
Please wait processing your request...