OppFi Inc. (OPFI) intrinsic value & 10-year financials
OppFi Inc. (OPFI) has a Graham intrinsic value of $32.88 per share. At $5.65 on Oct 17, 2026, the stock trades 83% below that value. Over the last 8 fiscal years revenue grew 22.1% a year to $381.2M, with an average return on invested capital of 427.9%.
- Graham intrinsic value
- $32.88
- Share price (Oct 17, 2026)
- $5.65
- Price vs Graham value
- 83% below
- Market cap
- $149.8M
- Revenue (FY2025)
- $381.2M
- Revenue growth (8-yr CAGR)
- 22.1%
- ROIC (10-yr avg)
- 427.9%
- Free cash flow (FY2025)
- $382.2M
OPFI 10-year financial history
| Fiscal year | Revenue | Net income | EPS (diluted) | Free cash flow | Operating margin | ROIC |
|---|---|---|---|---|---|---|
| FY2025 | $381.2M | $26.3M | $0.99 | $382.2M | 43.7% | 265.6% |
| FY2024 | $321.5M | $7.3M | $0.36 | $310.8M | 29.4% | 276.8% |
| FY2023 | $273.2M | -$1.0M | -$0.06 | $287.2M | 17.0% | 466.1% |
| FY2022 | $217.0M | $7.1M | $0.05 | $230.0M | -2.9% | -39.9% |
| FY2021 | $263.7M | $25.6M | $1.93 | $153.0M | 21.7% | 355.9% |
| FY2020 | $200.2M | $77.5M | $0.00 | $181.4M | 38.7% | 1243.0% |
| FY2019 | $114.9M | $33.0M | $0.00 | $142.3M | 28.7% | — |
| FY2018 | — | — | — | — | — | — |
Source: annual 10-K filings on SEC EDGAR. Figures in USD.
Executive summary
OppFi Inc. revenue growth over the past decade is N/A; insufficient history prevents a reliable 10-year CAGR calculation.
OppFi Inc. has historically struggled to out-earn its cost of capital, averaging just -2.3% ROIC.
OppFi Inc. capital allocation metrics are N/A for the decade; share count and net debt history are incomplete.
Benjamin Graham lens
Under Benjamin Graham's formula using SEC EDGAR fundamentals, OppFi Inc. is modeled at 15.0% normalized earnings growth with a 5.1% bond-yield adjustment. The resulting Graham intrinsic value estimate is $32.88 per share.