OPFI OppFi Inc. Class A Common Stock
$8.26
价格 · 五月 20, 2026
截至...的财报数据 五月 7, 2026
OPFI 股票快照 价格、市值、P/E、EPS、ROE、负债/权益、52周范围
价格
$8.26
市值
—
P/E (TTM)
10.6
每股收益 (TTM)
$0.99
营收 (TTM)
—
股息收益率
—
ROE
57.7%
负债/权益
—
52周区间
$7 – $15
OPFI 股价图表 包含技术指标的日 OHLCV — 平移、缩放和自定义您的视图
Configure
10年表现 收入、净利润、利润率和每股收益趋势
营收与净利润
—
EPS
$0.99
2020-12-31
→
2025-12-31
自由现金流
$382M
2021-12-31
→
2025-12-31
利润率
—
估值 P/E、P/S、P/B、EV/EBITDA 比率 — 该股票是昂贵还是便宜？
指标
5年趋势
OPFI
同行中位数
P/E (TTM)
10.6
11.6
盈利能力 毛利率、营业利润率和净利率；股本回报率 (ROE)、资产回报率 (ROA)、投入资本回报率 (ROIC)
指标
5年趋势
OPFI
同行中位数
ROA
3.8%
3.7%
ROE
57.7%
16.8%
ROIC
267.0%
—
财务健康 债务、流动性、偿付能力 — 资产负债表强度
指标
5年趋势
OPFI
同行中位数
成长 营收、每股收益 (EPS) 和净利润增长：同比、3年复合年增长率 (CAGR)、5年复合年增长率 (CAGR)
指标
5年趋势
OPFI
同行中位数
EPS YoY
175.0%
—
Net Income YoY (净利润同比增长)
262.8%
—
资本效率 资产周转率、库存周转率、应收账款周转率
指标
5年趋势
OPFI
同行中位数
Payout Ratio (派息率)
24.4%
—
股息 收益率、派息率、股息历史、5年CAGR
股息收益率
—
派息率
24.4%
5年股息复合年增长率 (CAGR)
—
| 除息日 | 金额 |
|---|---|
| 2025年4月8日 | $0.2500 |
| 2024年4月18日 | $0.1200 |
OPFI 分析师共识 看涨和看跌分析师观点、12个月价格目标、上涨空间
买入
9 位分析师
- 强烈买入 2 22.2%
- 买入 5 55.6%
- 持有 2 22.2%
- 卖出 0 0.0%
- 强烈卖出 0 0.0%
12个月价格目标
3 位分析师 · 2026-05-16
中位数
$15.00
平均值
$14.00
← 低于所有目标
$8.26
最低
$11.00
最高
$16.00
中位数目标
$15.00
+81.6%
平均目标
$14.00
+69.5%
收益历史 每股收益实际值 vs 预估值，惊喜%，达标率，下次财报日期
平均惊喜
0.09%
| 期间 | EPS Actual | EPS 预期 | 惊喜 |
|---|---|---|---|
| 2026年3月31日 | $0.35 | $0.33 | 0.02% |
| 2025年12月31日 | $0.30 | $0.29 | 0.01% |
| 2025年9月30日 | $0.46 | $0.33 | 0.13% |
| 2025年6月30日 | $0.45 | $0.30 | 0.15% |
| 2025年3月31日 | $0.38 | $0.26 | 0.12% |
| 2024年12月31日 | $0.23 | $0.15 | 0.08% |
同行比较 关键指标与行业同行对比
| 股票代码 | 市值 | P/E | 营收同比增长 | 净利润率 | ROE | 毛利率 |
|---|---|---|---|---|---|---|
| OPFI | — | 10.6 | — | — | 57.7% | — |
| JCAP | $1.30B | 4.0 | 41.5% | 30.6% | 42.4% | — |
| NAVI | — | — | — | — | — | — |
| WRLD | $680M | 7.8 | -1.5% | 15.9% | 20.7% | — |
| GDOT | — | — | 20.7% | — | — | — |
| PRAA | $680M | -2.3 | 7.8% | -25.4% | -28.9% | — |
| NRDS | $966M | 21.2 | 21.7% | 5.8% | 12.7% | — |
| TREE | $731M | 4.9 | 24.1% | 13.5% | 74.7% | 31.5% |
| RM | $370M | 8.7 | 9.7% | 6.9% | 12.1% | — |
| OPRT | — | 10.0 | -4.5% | — | — | — |
| MFIN | — | — | — | — | — | — |
完整基本面 所有年度指标 — 损益表、资产负债表、现金流量表
损益表 12
| 指标 | 趋势 | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| SG&A Expense | $17M | $15M | $14M | $12M | $14M | |
| Operating Income | $167M | $95M | $46M | $-6M | $57M | |
| Interest Income | $597M | $526M | $509M | $453M | $351M | |
| Other Non-op | $-4M | $318.0K | $431.0K | · | · | |
| Pretax Income | $156M | $88M | $42M | $3M | $90M | |
| Income Tax | $10M | $4M | $2M | $-277.0K | $311.0K | |
| Net Income | $26M | $7M | $-1M | $7M | $26M | |
| EPS (Basic) | $0.99 | $0.36 | $-0.06 | $0.51 | $1.93 | |
| EPS (Diluted) | $0.99 | $0.36 | $-0.06 | $0.05 | $0.48 | |
| Shares (Basic) | 26,506,458 | 20,145,606 | 16,391,199 | 13,913,626 | 13,218,119 | |
| Shares (Diluted) | 26,506,458 | 20,145,606 | 16,391,199 | 84,256,084 | 84,474,039 | |
| EBITDA | $167M | $95M | $59M | $7M | $68M |
资产负债表 13
| 指标 | 趋势 | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $49M | $61M | $32M | $16M | $25M | |
| PP&E (Net) | $28M | $14M | $10M | $14M | $15M | |
| PP&E (Gross) | $92M | $73M | $60M | $51M | $39M | |
| Accum. Depreciation | $64M | $59M | $50M | $37M | $25M | |
| Total Assets | $754M | $641M | $602M | $580M | $502M | |
| Total Liabilities | $445M | $407M | $408M | $421M | $344M | |
| Long-term Debt | · | · | · | · | $50M | |
| Paid-in Capital | $114M | $94M | $76M | $66M | $62M | |
| Retained Earnings | $-34M | $-55M | $-64M | $-64M | $-71M | |
| Treasury Stock | $22M | $6M | $2M | $2M | $0 | |
| Stockholders' Equity | $58M | $33M | $10M | $-494.0K | $-9M | |
| Liabilities + Equity | $754M | $641M | $602M | $580M | $502M | |
| Shares Outstanding | · | · | · | · | 13,631,484 |
现金流 13
| 指标 | 趋势 | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| D&A | $5M | $10M | $13M | $14M | $10M | |
| Stock-based Comp | $10M | $5M | $4M | $3M | $3M | |
| Deferred Tax | $5M | $3M | $2M | $-553.0K | $-544.0K | |
| Other Non-cash | · | · | $279M | $220M | $129M | |
| Operating Cash Flow | $401M | $324M | $296M | $243M | $167M | |
| CapEx | $19M | $13M | $9M | $13M | $14M | |
| Investing Cash Flow | $-308M | $-243M | $-244M | $-317M | $-199M | |
| Stock Repurchased | $16M | $4M | $0 | $2M | $0 | |
| Net Stock Activity | $-16M | $-4M | $0 | $-2M | · | |
| Dividends Paid | $6M | $2M | $0 | $0 | · | |
| Financing Cash Flow | $-89M | $-66M | $-28M | $61M | $49M | |
| Taxes Paid | $6M | $475.0K | $73.0K | · | · | |
| Free Cash Flow | $382M | $311M | $287M | $230M | $153M |
盈利能力 3
| 指标 | 趋势 | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| ROA | 3.8% | 1.2% | -0.17% | 1.3% | · | |
| ROE | 57.7% | 33.6% | -20.2% | -148.9% | · | |
| ROIC | 267.0% | 274.6% | 419.3% | 1399.9% | · |
增长率 4
| 指标 | 趋势 | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| EPS YoY | 175.0% | · | · | -89.6% | · | |
| EPS CAGR 3Y | 170.5% | -9.1% | · | · | · | |
| Net Income YoY | 262.8% | · | · | -72.2% | · | |
| Net Income CAGR 3Y | 54.8% | -34.3% | · | · | · |
估值 (TTM) 5
| 指标 | 趋势 | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Net Income TTM | $26M | $7M | $-1M | $7M | $26M | |
| P/E | 10.6 | 21.3 | -85.3 | 41.0 | 9.5 | |
| Earnings Yield | 9.5% | 4.7% | -1.2% | 2.4% | 10.6% | |
| Payout Ratio | 24.4% | 32.7% | · | · | · | |
| Annual Payout | $6M | $2M | $0 | $0 | · |
损益表 11
| 指标 | 趋势 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 | Q2 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| SG&A Expense | $5M | $5M | $4M | $4M | $2M | $4M | $4M | $4M | $4M | $3M | $4M | $3M | $3M | $3M | $3M | $3M | |
| Operating Income | $35M | $31M | $48M | $45M | $42M | $25M | $35M | $29M | $5M | $9M | $16M | $18M | $4M | $-10M | $-969.0K | $6M | |
| Interest Income | $152M | $159M | $155M | $142M | $140M | $136M | $137M | $126M | $127M | $133M | $133M | $122M | $120M | $120M | $124M | $108M | |
| Pretax Income | $58M | $40M | $82M | $13M | $22M | $15M | $34M | $29M | $11M | $3M | $16M | $19M | $4M | $-7M | $354.0K | $10M | |
| Income Tax | $4M | $1M | $6M | $1M | $2M | $600.0K | $2M | $914.0K | $404.0K | $1M | $463.0K | $688.0K | $146.0K | $-2M | $1M | $202.0K | |
| Net Income | $28M | $17M | $42M | $-21M | $-11M | $-6M | $4M | $3M | $6M | $-6M | $2M | $2M | $251.0K | $3M | $-571.0K | $3M | |
| EPS (Basic) | $1.06 | $0.77 | $1.48 | $-0.78 | $-0.48 | $-0.30 | $0.21 | $0.16 | $0.29 | $-0.35 | $0.13 | $0.14 | $0.02 | $0.21 | $-0.04 | $0.26 | |
| EPS (Diluted) | $0.56 | $1.48 | $0.77 | $-0.78 | $-0.48 | $-0.11 | $0.21 | $0.16 | $0.10 | $-0.35 | $0.13 | $0.14 | $0.02 | $-0.01 | $-0.04 | $0.10 | |
| Shares (Basic) | 26,778,432 | -51,959,045 | 28,163,404 | 26,610,330 | 23,691,769 | -38,983,759 | 20,248,004 | 19,675,934 | 19,205,427 | -31,050,522 | 16,772,275 | 15,632,120 | 15,037,326 | -27,166,274 | 13,972,971 | 13,525,101 | |
| Shares (Diluted) | 86,195,269 | -112,032,232 | 88,236,591 | 26,610,330 | 23,691,769 | -106,021,830 | 20,248,004 | 19,675,934 | 86,243,498 | -31,730,227 | 17,057,778 | 15,873,753 | 15,189,895 | -98,473,946 | 13,972,971 | 84,283,102 | |
| EBITDA | $35M | · | $48M | $45M | $42M | · | $37M | $32M | $8M | · | $19M | $22M | $7M | · | $3M | $10M |
资产负债表 12
| 指标 | 趋势 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 | Q2 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $64M | $49M | $45M | $45M | $58M | $61M | $45M | $47M | $47M | · | $31M | $27M | $32M | · | $14M | $23M | |
| PP&E (Net) | $32M | $28M | $23M | $19M | $16M | $14M | $11M | $10M | $10M | · | $11M | $12M | $13M | · | $15M | $15M | |
| PP&E (Gross) | $97M | $92M | $87M | $82M | $77M | $73M | $69M | $65M | $62M | · | $58M | $56M | $54M | · | $50M | $46M | |
| Accum. Depreciation | $65M | $64M | $64M | $63M | $61M | $59M | $57M | $55M | $53M | · | $47M | $44M | $41M | · | $35M | $31M | |
| Total Assets | $720M | $754M | $721M | $673M | $640M | $641M | $619M | $573M | $563M | · | $601M | $577M | $560M | · | $580M | $578M | |
| Total Liabilities | $377M | $445M | $443M | $456M | $403M | $407M | $399M | $371M | $366M | · | $411M | $400M | $396M | · | $415M | $413M | |
| Paid-in Capital | $112M | $114M | $113M | $111M | $101M | $94M | $92M | $81M | $79M | · | $72M | $71M | $67M | · | $66M | $64M | |
| Retained Earnings | $-5M | $-34M | $-50M | $-92M | $-72M | $-55M | $-51M | $-57M | $-58M | · | $-59M | $-61M | $-63M | · | $-67M | $-66M | |
| Treasury Stock | $31M | $22M | $13M | $6M | $6M | $6M | $6M | $5M | $2M | · | $2M | $2M | $2M | · | $2M | $2M | |
| Stockholders' Equity | $76M | $58M | $49M | $13M | $23M | $33M | $35M | $19M | $18M | · | $11M | $7M | $1M | · | $-3M | $-4M | |
| Liabilities + Equity | $720M | $754M | $721M | $673M | $640M | $641M | $619M | $573M | $563M | · | $601M | $577M | $560M | · | $580M | $578M | |
| Shares Outstanding | · | · | · | · | · | · | · | · | · | · | · | · | · | · | · | 13,632,260 |
现金流 13
| 指标 | 趋势 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 | Q2 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| D&A | $591.0K | $764.0K | $1M | $2M | $2M | $2M | $2M | $2M | $3M | $3M | $3M | $3M | $3M | $4M | $4M | $3M | |
| Stock-based Comp | $2M | $2M | $2M | $5M | $1M | $1M | $1M | $2M | $1M | $997.0K | $1M | $845.0K | $1M | $963.0K | $762.0K | $1M | |
| Deferred Tax | · | $341.0K | $3M | $903.0K | $425.0K | $2M | $395.0K | $889.0K | $354.0K | $2M | $-1.0K | $140.0K | $109.0K | $-2M | $713.0K | $225.0K | |
| Other Non-cash | · | · | · | · | · | · | · | · | $65M | · | · | · | $61M | · | · | · | |
| Operating Cash Flow | $91M | $117M | $105M | $96M | $84M | $95M | $78M | $77M | $74M | $83M | $75M | $73M | $66M | $71M | $69M | $58M | |
| CapEx | $5M | $5M | $5M | $5M | $4M | $4M | $4M | $3M | $2M | $2M | $2M | $3M | $2M | $3M | $3M | $3M | |
| Investing Cash Flow | $-21M | $-89M | $-103M | $-81M | $-34M | $-73M | $-93M | $-59M | $-18M | $-64M | $-77M | $-75M | $-28M | $-74M | $-79M | $-112M | |
| Stock Repurchased | $10M | $8M | $7M | $0 | $0 | $0 | $1M | · | · | $0 | $0 | $0 | $0 | $0 | $307.0K | $1M | |
| Net Stock Activity | $-10M | · | · | · | · | · | · | · | · | · | · | · | $0 | · | · | · | |
| Dividends Paid | · | $0 | $0 | · | · | $0 | $0 | · | · | $0 | $0 | · | · | · | · | · | |
| Financing Cash Flow | $-63M | $-9M | $-5M | $-27M | $-47M | $-8M | $9M | $-26M | $-42M | $-10M | $6M | $-7M | $-16M | $2M | $2M | $52M | |
| Taxes Paid | $19.0K | · | · | · | $11.0K | · | · | · | · | · | · | · | · | · | · | · | |
| Free Cash Flow | $86M | · | · | · | $79M | · | · | · | $72M | · | · | · | $64M | · | · | · |
盈利能力 3
| 指标 | 趋势 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 | Q2 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROA | 4.2% | · | 6.2% | -3.3% | -1.9% | · | 0.70% | 0.53% | 0.99% | · | 0.37% | 0.37% | 0.05% | · | -0.11% | 0.84% | |
| ROE | 57.8% | · | 98.8% | -130.0% | -55.9% | · | 18.4% | 23.5% | 56.5% | · | 53.1% | 123.4% | -6.9% | · | 4.3% | 675.4% | |
| ROIC | 43.5% | · | 91.2% | 303.3% | 174.3% | · | 93.9% | 153.2% | 28.0% | · | 132.6% | 237.2% | 250.1% | · | -55.8% | -157.7% |
估值 (TTM) 5
| 指标 | 趋势 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 | Q2 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Income TTM | $38M | · | $14M | $-25M | $1M | · | $15M | $13M | $10M | · | $4M | $5M | $4M | · | $18M | $2M | |
| Market Cap | · | · | · | · | · | · | · | · | · | · | · | · | · | · | · | $45M | |
| P/E | 110.1 | · | -40.5 | -15.7 | -930.0 | · | 7.9 | 6.4 | 6.4 | · | 10.1 | 9.3 | 25.6 | · | 6.6 | · | |
| P/B | · | · | · | · | · | · | · | · | · | · | · | · | · | · | · | -11.3 | |
| Earnings Yield | 0.91% | · | -2.5% | -6.4% | -0.11% | · | 12.7% | 15.6% | 15.6% | · | 9.9% | 10.8% | 3.9% | · | 15.2% | · |
财务报表 损益表、资产负债表、现金流量表 — 年度，近5年
损益表
| 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | |
|---|---|---|---|---|---|
| 净收入 | $26M | $7M | $-1M | $7M | $26M |
| 稀释后每股收益 (EPS) | $0.99 | $0.36 | $-0.06 | $0.05 | $0.48 |
现金流
| 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | |
|---|---|---|---|---|---|
| 自由现金流 | $382M | $311M | $287M | $230M | $153M |
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