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OPFI
OPFI
OppFi Inc
7월 27일 4:00 PM ET (한국 7/28 05:00)
$9.42
+0.40 ▲ +4.43%
🌙 7월 27일 7:55 PM ET (한국 7/28 08:55)
$9.42
+0.00 +0.00%

옵피(OPFI) is a Financial sector company, analyzed across 14 metrics on this page including P/E, EPS, dividends, RSI, and MACD.

시황 · 실적발표 · 매수매도 신호, 가장 먼저 받아보세요 🔔 구독
시가총액
$1.4B
스몰캡
P/E
12.8
저평가 구간
배당수익률
없음
52주 위치
39%
저점 +28% · 고점 -25%
애널리스트
매수
B+
Fundamental health
vs. 성장주 소형주
수익성 ⓘ
Top 13%
성장 ⓘ
Top 31%
밸류에이션 ⓘ
Top 47%
재무 안정 ⓘ
Top 25%
💰 Is this stock pricier than usual right now? ⓘ
Compared to this company's own recent 3년 (not other companies).
Very cheap
Cheap
Typical
Pricey
Very pricey
Simply put — what you pay today to own $1 of this company's yearly earnings is 20원. Over the past 3년, it usually traded around 73원. On the cheaper side versus its own history.
Pricy doesn't mean bad — it means expectations are already baked in.· based on 3.2 profitable years
Index ⓘ RUTP/E ⓘ 12.77EPS (ttm) ⓘ 0.74Insider Own ⓘ 61.47%Shs Outstand ⓘ 144.1MPerf Week ⓘ 1.29%
Market Cap ⓘ 1.36BForward P/E ⓘ 4.29EPS next Y ⓘ 22.63%Insider Trans ⓘ -0.13%Shs Float ⓘ 55.5MPerf Month ⓘ 0.64%
Enterprise Value ⓘ 1.83BPEG ⓘ 0.19EPS next Q ⓘ 0.45Inst Own ⓘ 13.68%Short Float ⓘ 4.7%Perf Quarter ⓘ 7.9%
Income ⓘ 0.07BP/S ⓘ 2.23EPS this Y ⓘ 12.58%Inst Trans ⓘ -3.62%Short Ratio ⓘ 3.46Perf Half Y ⓘ -4.94%
Sales ⓘ 0.61BP/B ⓘ 10.6EPS next 5Y ⓘ 22.32%ROA ⓘ 9.72%Short Interest ⓘ 2.61MPerf YTD ⓘ -9.94%
Book/sh ⓘ 0.89P/C ⓘ 13.58EPS past 3/5Y ⓘ 170.12% 10.28%ROE ⓘ 134.62%52W High ⓘ -25.24% ($12.60)Perf Year ⓘ -16.42%
Cash/sh ⓘ 0.69P/FCF ⓘ 3.47Sales past 3/5Y ⓘ 9.65% 24.42%ROIC ⓘ 20.64%52W Low ⓘ 27.99% ($7.36)Perf 3Y ⓘ 401.69%
Dividend Est. ⓘ -EV/EBITDA ⓘ 7.28EPS Y/Y TTM ⓘ 731.72%Gross Margin ⓘ 96.15%Volatility(W/M) ⓘ 3.02% 3.61%Perf 5Y ⓘ -2.65%
Dividend TTM ⓘ -EV/Sales ⓘ 3Sales Y/Y TTM ⓘ 12.95%Oper. Margin ⓘ 37.58%ATR (14) ⓘ 0.34Perf 10Y ⓘ -
Dividend Ex-Date ⓘ 2025/4/8Quick Ratio ⓘ 4.77EPS Q/Q ⓘ 215.75%Profit Margin ⓘ 10.86%RSI (14) ⓘ 54.64Recom ⓘ 1.67
Dividend Gr. 3/5Y ⓘ -Current Ratio ⓘ 4.77Sales Q/Q ⓘ 8.28%SMA20 ⓘ 0.04% ($9.42)Beta ⓘ 1.77Target Price ⓘ $14
Payout ⓘ -Debt/Eq ⓘ 3.98Earnings ⓘ 2026/5/7SMA50 ⓘ 6.52% ($8.84)Rel Volume ⓘ 0.52Prev Close ⓘ $9.02
Employees ⓘ 410LT Debt/Eq ⓘ 3.23EPS/Sales Surpr. ⓘ 6.87% 0.49%SMA200 ⓘ 1.32% ($9.3)Avg Volume(3M) ⓘ 0.75MPrice ⓘ $9.42
IPO ⓘ 2020/11/20Option/Short ⓘ Yes/YesTrades ⓘ 4260Volume ⓘ 391,222Change ⓘ 4.43%
Quarterly earnings trend SEC filings · USD
24.6
24.9
24.12*
25.3
25.6
25.9
25.12*
26.3
Revenue Net income 최근 분기: 매출 $87M (YoY -4%) · 순이익 $28M (YoY +350%)
* Q4 figures are derived from the annual filing (10-K) · loss-making quarters are underlined in red

📊 OppFi Inc (OPFI) Investment Analysis

What kind of company is OppFi Inc?

옵피(OPFI) 성장주
Financial · Credit Services
Financial Stocks

💳 OppFi (OPFI) is a fintech financial platform that partners with banks to provide digital lending products to U.S. consumers who have limited access to credit. Using its proprietary data- and machine-learning-based underwriting model, the company quickly connects online credit to customer segments that have been underserved by traditional credit evaluation methods, while maintaining an efficient loan review structure through its technology-driven operations.

Learn more about OppFi Inc →
Market Cap
$1.4B
Approx. KRW 1.9 trillion
⚖️ 0% of Samsung Electronics
Market Cap Rank2416
Employees410people
IPO2020/11/20
Current Price$9.42 ≈ 12,905원
📌 RUT · NYSE · USA

Key Events

⏰ Upcoming events
🔔 Earnings release
The next release date has not been announced yet.
🎯 Ex-dividend date
No scheduled dividends
📜 Recent events
🔔 Earnings release 2026년 5월 7일 (목) · 장 시작 전 EPS +6.9% 매출 +0.5%
🔔 Earnings release 2026년 3월 11일 (수) · 장 시작 전
🎯 Ex-div 2025년 4월 8일 (화)

Is it profitable?

Solid company — profitability & finances both healthy
Strong earnings and excellent financial health
Profitability — How efficiently it makes money
Operating Margin
Profit kept from selling products and services (higher is better)
37.6%
✓ 우수
My positionTop 25%
Low range Average High range
Credit Services 소형주 Median 24.1% · Top 25%
💡 일반적으로 10% 이상이면 양호, 20% 이상이면 우수
Net Margin
Share of revenue left after taxes and interest are paid
10.9%
✓ 양호
My positionMid-range
Low range Average High range
Credit Services 소형주 Median 7.4% · Top 40%
💡 일반적으로 8% 이상이면 양호, 15% 이상이면 우수
Gross Margin
Profit after subtracting raw-material costs only (signals product competitiveness)
96.2%
✓ 우수
My positionTop 25%
Low range Average High range
Credit Services 소형주 Median 76.7% · Top 15%
💡 제조업 30%, IT/소프트웨어 50% 이상이면 우수 (업종별 편차 큼)
ROE
Annual return earned on shareholders' equity (15%+ is strong)
134.6%
✓ 우수
My positionTop 5%
Low range Average High range
Financial 소형주 Median 9.9% · Top tier
💡 일반적으로 15% 이상이면 우수 (단, 부채 레버리지 효과 주의)
ROA
Annual earnings relative to total company assets
9.7%
✓ 우수
My positionTop 5%
Low range Average High range
Financial 소형주 Median 1.5% · Top tier
💡 일반적으로 5% 이상이면 양호, 10% 이상이면 우수
ROIC
Return generated per dollar invested in the business
20.6%
✓ 우수
My positionTop 5%
Low range Average High range
Financial 소형주 Median 5.3% · Top tier
💡 자본비용(보통 8~10%)보다 높으면 가치 창출, 15% 이상이면 우수
Financial health — Debt & liquidity burden
Debt-to-Equity (D/E)
Debt relative to equity (lower is healthier)
3.98
✓ High debt
My positionBottom 25%
Low range Average High range
Credit Services Median 1.64
💡 일반적으로 1.0 이하면 건전, 1.5까지는 무난 (금융·유틸·REIT는 구조적으로 높음)
Current Ratio
Liquid assets available to cover liabilities due within a year
4.77
✓ 우수
My positionTop 25%
Low range Average High range
Credit Services Median 2.08
💡 1.5~3.0 적정, 1.0 미만이면 단기 유동성 주의
Quick Ratio
Liquid assets excluding inventory, available for immediate use
4.77
✓ 우수
My positionTop 25%
Low range Average High range
Credit Services Median 1.96
💡 1.0 이상이면 안전, 0.5 미만이면 주의
* Ratings reflect relative position vs. peer-group distribution (same sector & size) plus absolute guards (loss & risk thresholds).

What's the outlook?

Positive Outlook
Price targets, growth, and valuation are favorable
애널리스트 목표가
$14.00
현재가 대비 +48.6%
💡 12개월 이내 도달을 전망하는 애널리스트 컨센서스 평균
예상 PER (Forward)
4.29배
💡 내년 예상 EPS 기준. 현재 PER과 비교해 이익 성장 반영 정도 확인
PEG (성장 반영 밸류)
0.19
저평가
💡 PEG < 1 — 성장 대비 저렴
내년 EPS 예상 성장률
+22.6%
💡 10% 이상이면 견조한 성장, 마이너스는 이익 감소 예상
5년 EPS 예상 연평균
+22.3%
💡 장기 성장 전망. 15% 이상이면 고성장 기업
⚠ 이 데이터는 애널리스트 추정치이며 실제 결과와 다를 수 있습니다. 투자 결정은 추가 검토와 함께 하세요.

Did earnings meet expectations?

High Earnings Reliability
Beat estimates in 2 of the last 2 quarters
2
예상 상회
0
예상 부합
0
예상 하회
100%
상회 비율
+6.5%
평균 서프라이즈
2026.05.07
상회
실적 $0.35 · 예상 $0.33 +6.9%
2026.03.11
상회
실적 $0.30 · 예상 $0.28 +6.2%
💡 예상보다 높은 실적을 자주 내는 기업은 실적 신뢰도가 높다고 평가됩니다. 단, 애널리스트 기대치가 낮게 설정되었을 수도 있으니 절대 수치도 함께 봐야 합니다.

Is it growing?

Average Growth
Mid-range within the industry
Healthy, Balanced Growth EPS and revenue are both growing steadily — a sustainable growth profile
🔮 How much will it grow? (analyst forecasts)
This Year's EPS Outlook
Projected EPS growth rate for this year
+12.6%
평균
My positionMid-range
Low range Average High range
성장주 소형주 Median 16.2% · Bottom 41%
Next Year's EPS Outlook
Projected EPS growth rate for next year (analyst consensus)
+22.6%
양호
My positionMid-range
Low range Average High range
성장주 소형주 Median 17.5% · Top 38%
5-Year EPS CAGR Outlook
Projected average annual EPS growth over the next 5 years
+22.3%
양호
My positionMid-range
Low range Average High range
성장주 소형주 Median 18.9% · Top 29%
📊 How much has it grown? (actual results)
Past 3-Year EPS
Actual average annual EPS growth over the past 3 years
+170.1%
우수
My positionTop 5%
Low range Average High range
성장주 소형주 Median 8.7% · Top tier
Past 5-Year EPS
Actual average annual EPS growth over the past 5 years
+10.3%
양호
My positionMid-range
Low range Average High range
성장주 소형주 Median 2.9% · Top 38%
Past 5-Year Revenue
How much revenue grew over the past 5 years
+24.4%
우수
My positionTop 25%
Low range Average High range
성장주 소형주 Median 10.4% · Top 6%
⚡ Short-term momentum
QoQ Revenue
Revenue change from the previous quarter (short-term momentum)
+8.3%
양호
My positionMid-range
Low range Average High range
성장주 소형주 Median 7.0% · Top 47%
* Forecast values are analyst consensus estimates. Ratings are determined by relative position vs. peer group of the same growth style and size.
New to investing terms? Look it up in the financial dictionary →

Has the stock risen over the long term?

Long-term weakness — -71%p below the market
OPFI -2.6% · S&P 500 +68.3%
Excess return vs. market (price-based, ex-dividends)
5-year basis
vs S&P 500
-71.0%p
Significantly behind the market
1-year basis
vs S&P 500
-32.4%p
Significantly behind the market
Rank among peers
5-year return Upper-Mid (37%) Based on 16 peers
1-year return Lower-Mid (lower 27%) Based on 17 peers
Current position within 52-week range
Low (-28.0%p) High (-25.2%p)
Current price is 28.0% above the 52-week low and 25.2% below the 52-week high
Recent risk (last 120 trading days)
Max drawdown
-20.7%
Annualized volatility
41.1%

Technical Indicators

Bollinger Bands · MACD · RSI · Stochastics · Ichimoku 5-line · recent 136-day series

Price · Bollinger Bands · Ichimoku Cloud

  • close
  • BB Upper
  • BB Mid
  • BB Lower
  • Tenkan
  • Kijun
  • Cloud (SpanA/B)

Bollinger Bands are upper and lower channels showing the closing price range (20 days · 2σ). Touching the upper band = overheated; touching the lower band = oversold. Ichimoku Cloud shows trend direction and strength through colored areas. Prices above the cloud indicate an uptrend; prices below indicate a downtrend. About Bollinger Bands →

🟢
Current diagnosis · 2026-07-27
Uptrend zone

Current price $9.42 above the midline ($9.42). Normal upward flow. Above the Ichimoku cloud (bullish).

MACD (12 · 26 · 9) Expand ▼

An indicator that uses the difference between the short-term EMA (12) and long-term EMA (26) to identify trend reversals. When MACD rises above the Signal line, it is a buy signal (golden cross); when it falls below, it is a sell signal (death cross). About MACD →

🟡
Current diagnosis · 2026-07-27
Neutral zone — weak trend

MACD 0.071 · Signal 0.124 · Hist -0.053. Weak directional bias.

RSI(14) · Stochastics %K(14) Expand ▼

RSI measures short-term buying and selling pressure on a scale of 0–100. 30 or below = oversold (a rebound may be possible); 70 or above = overbought (a pullback may be possible). Stoch %K similarly measures short-term momentum strength. RSI · Learn more about Stochastics →

🟢
Current diagnosis · 2026-07-27
Bullish zone

RSI 54.6 (above the neutral level of 50). Buying pressure leads, supporting a steady rise. Stoch %K is also 83.8.

※ "Current diagnosis" is an automated interpretation based on standard thresholds and is for reference only. Make your own comprehensive judgment before trading.

Is it attractive at this price?

In line with the industry average
Cheap on Vs. Earnings·Vs. Cash Flow, Pricey on Vs. Assets·Vs. Sales
💡 How to read this — Compare against peers in the same industry to see what the price is cheap or expensive relative to. Example: cheap vs. earnings = stock price is low relative to what the company earns; expensive vs. assets = stock price is high relative to assets on the balance sheet.
💵 Vs. Earnings Cheap
🏢 Vs. Assets Pricey
🧾 Vs. Sales Pricey
💧 Vs. Cash Flow Cheap
💵 Vs. Earnings
PER Price-to-Earnings Ratio
How expensive the price is vs. earnings — lower is cheaper
12.77x
✓ Fair
My positionMid-range
Low range Average High range
Credit Services median 11.51x · Around the industry average
💡 PER 15 이하 저평가, 25 이상이면 성장성 검증 필요 (적자 기업은 의미 없음)
💵 Vs. Earnings
Forward PER Forward Price-to-Earnings Ratio
PER using next year's estimated earnings — reflects growth
4.29x
✓ Very cheap
My positionTop 25%
Low range Average High range
Credit Services 소형주 median 6.63x · Top 17% — relatively cheap within the industry
💡 향후 12개월 예상 EPS 기준 PER. 현재 PER보다 낮으면 이익 성장 중
🏢 Vs. Assets
PBR Price-to-Book Ratio
Price vs. the company's asset value — below 1 trades cheaper than assets
10.60x
✓ Very pricey
My positionBottom 5%
Low range Average High range
Credit Services 소형주 median 1.62x · Bottom 1% — expensive within the industry
💡 PBR 1 미만이면 청산가치 이하 (금융·제조업에서 특히 의미, IT는 낮은 비중)
🧾 Vs. Sales
PSR Price-to-Sales Ratio
Market cap vs. revenue — lower is cheaper relative to sales
2.23x
✓ Pricey
My positionBottom 25%
Low range Average High range
Credit Services 소형주 median 1.05x · Bottom 21% — expensive within the industry
💡 PSR 2 이하 저평가, 10 초과면 고평가 (고성장 기업일 때만 정당화)
💧 Vs. Cash Flow
EV/EBITDA Enterprise Value Multiple
Total enterprise value ÷ operating cash earnings — a benchmark for M&A
7.28x
✓ Cheap
My positionMid-range
Low range Average High range
Credit Services median 9.53x · Around the industry average
💡 EV/EBITDA 10 이하 저평가, 20 이상이면 고평가 (M&A 밸류 기준)
💧 Vs. Cash Flow
P/FCF Price-to-Free-Cash-Flow Ratio
Price vs. actual cash generation — lower means more efficient
3.47x
✓ Cheap
My positionMid-range
Low range Average High range
Credit Services median 5.05x · Around the industry average
💡 P/FCF 20 이하면 현금창출 대비 저평가 (실질 수익성 기준)
Analyst target price (reference)
$14.00 vs. current price +48.6%
* Valuation is the stock's relative position within the industry peer group (same sector and market-cap range). Even when valuation looks attractive, check the 'Profitability' and 'Growth' sections too.
As of: Recent snapshot · Peer group: Credit Services

Who owns it?

Ownership flow shows some pressure
Insider modest net selling -0.1% · Institutional net selling -3.6% · Short interest light 4.7% · Short interest fell -10.1%p over the last 90 days
📈 Recent trading flow (6 months)
🧑‍💼 Insiders (executives & directors)
-0.1%
Insiders net selling
🏦 Institutions (funds & investors)
-3.6%
Institutions net selling
💡 Net change over the past 6 months. Shows how much insiders and institutions increased or reduced their holdings, in %.
👥 Holdings composition
🏦 Institutions 13.7%
Retail-led
Financial 소형주 Median 42.5%
🧑‍💼 Insiders 61.5%
Founder/management large holders (strong skin-in-the-game)
Financial 소형주 Median 14.2%
👤 Retail investors (estimated) 24.8%
Everyone excluding institutions and insiders
Institutions Insiders Retail (est.)
📉 Short-selling metrics
Short ratio
4.7%
Low — limited short-side pressure
Financial 소형주 Median 0.8%
Past 90 days 📉 -10.1%p decrease
Short interest days to cover
3.5 days
Days needed to close short positions using average trading volume
🧮 Share count
Total shares outstanding 144.1M주
Float (tradable shares) 55.5M주
* Insider/institutional flows are based on net changes over the past 6 months. Trend is cumulative over the past 90 days.

ETFs holding OPFI

ETFs with the highest weightings · 10 total shown
FDM
FDM
First Trust Dow Jones Select Microcap Index Fund
0.30%
$260M
SFLO
SFLO
VictoryShares Small Cap Free Cash Flow ETF
0.22%
$644M
IVSS
IVSS
Applied Finance IVS US SMID ETF
0.12%
$28M
EBIT
EBIT
Harbor AlphaEdge Small Cap Earners ETF
0.07%
$12M
OMFS
OMFS
Invesco Russell 2000 Dynamic Multifactor ETF
0.04%
$281M
* Based on official quarterly filings. Latest disclosure; actual current weights may differ.

How much does it pay in dividends?

This company does not pay a dividend

It may be a growth-focused firm reinvesting profits into expansion. Consider this growth-stock profile when investing.

Compare Industry Peers

💡 vs. sector average ▲ Favorable / ▼ Unfavorable (Lower PER and PBR are better; higher ROE and dividend yield are better)
Sorted by market cap, largest first
StockMarket CapPERPBRROEDividend YieldChange
OPFI OPFI This Stock
$1.4B12.8 ▲10.6 ▼134.62% ▲- +4.4%
BRK-B
$966.4B14.8 ▼1.5 ▼10.49% ▲- +0.5%
BRK-A
$963.1B14.8 ▼1.5 ▼10.49% ▲- +0.1%
JPM
$954.4B15.3 ▼2.7 ▼17.71% ▲1.8% ▼+0.8%
V
$683.1B31.9 ▼19.4 ▼59.8% ▲0.75% ▼+1.9%
MA
$487.5B31.9 ▼72.8 ▼232.56% ▲0.63% ▼+2.2%
Sector Avg-13.61.39.39%2.62%-
📊
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Related News & Content

📖 Company overview
오프파이(OPFI) 뭐하는 회사일까? - 주가 전망·실적·시총·관련주·본사 총정리
오프파이(OPFI)는 은행 제휴 기반 디지털 소비자 대출 핀테크로, 머신러닝 신용 인수 모델과 안정적 매출 성장이 특징입니다. OPFI 주가, 실적, 시총과 관련주를 한눈에 정리하고 핵심 사업과 경쟁 환경을 살펴봅니다.
📚 Related Investment Guides
미국주식 세금 총정리 2026 — 초보자를 위한 계산법과 절세 전략
2026년 미국주식 세금 총정리. 양도소득세 22% 계산법, 배당세 15% 원천징수, 손익통산, 절세 전략까지. 실제 금액 시뮬레이션과 세금 계산기로 내 세금을 직접 확인해보세요.

FAQ

What kind of company is 옵피(OPFI)?

옵피(OPFI) belongs to the Financial sector and operates in the Credit Services industry.

What is the market cap of OPFI?

The market cap of OPFI is approximately $1.4B, ranking 2,416 within its sector.

What is the P/E ratio of OPFI?

OPFI has a P/E ratio of approximately 12.8x, which can be used to assess its valuation relative to the Financial sector average.

What is the 52-week high and low for OPFI?

OPFI has recorded a 52-week high of $12.60 and a low of $7.36.

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