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OppFi Inc is a tech-enabled, mission-driven specialty finance platform that broadens the reach of community banks to extend credit access to everyday Americans. It recognizes revenue through finance charges on installment and SalaryTap contracts based on the interest method.
2020
445
LTM Revenue $576M
LTM EBITDA $200M
$577M
Benchmark forward-looking revenue and EBITDA valuation multiples across generative AI, climate tech, semiconductors, online marketplaces, vertical SaaS and 220 more verticals.
As of September 2025, OppFi reported last 12-month revenue of $576M and EBITDA of $200M.
In the same period, OppFi achieved $116M in LTM net income.
See OppFi valuation multiples based on analyst estimatesIn the most recent fiscal year, OppFi reported revenue of $526M and EBITDA of $309M.
OppFi expects next 12-month revenue of XXX and NTM EBITDA of XXX
See OppFi valuation multiples based on analyst estimates| LTM | NTM | Last FY | FY 2025 | FY 2026 | FY 2027 | |
|---|---|---|---|---|---|---|
| Revenue | $576M | XXX | $526M | XXX | XXX | XXX |
| Gross Profit | n/a | XXX | $421M | XXX | XXX | XXX |
| Gross Margin | n/a | XXX | 80% | XXX | XXX | XXX |
| EBITDA | $200M | XXX | $309M | XXX | XXX | XXX |
| EBITDA Margin | 35% | XXX | 59% | XXX | XXX | XXX |
| EBIT | $154M | XXX | $299M | XXX | XXX | XXX |
| EBIT Margin | 27% | XXX | 57% | XXX | XXX | XXX |
| Net Profit | $116M | XXX | $7.3M | XXX | XXX | XXX |
| Net Margin | 20% | XXX | 1% | XXX | XXX | XXX |
| Net Debt | XXX | XXX | $257M | XXX | XXX | XXX |
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OppFi has current market cap of $304M, and EV of $577M.
As of October 3, 2025, OppFi's stock price is $11.
See OppFi trading valuation data| EV | Market Cap | Price 1D | Price 1M | Price 3M | Price 12M | EPS |
|---|---|---|---|---|---|---|
| $577M | $304M | XXX | XXX | XXX | XXX | $1.31 |
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Start Free TrialOppFi's trades at 1.1x EV/Revenue multiple, and 1.9x EV/EBITDA.
See valuation multiples for OppFi and 15K+ public compsAs of October 3, 2025, OppFi has market cap of $304M and EV of $577M.
Equity research analysts estimate OppFi's 2025E EV/Revenue multiple at XXX and 2025E EV/EBITDA multiple at XXX
OppFi has a P/E ratio of 2.6x.
| LTM | NTM | Last FY | FY 2025 | FY 2026 | FY 2027 | |
|---|---|---|---|---|---|---|
| Market cap (current) | $304M | XXX | $304M | XXX | XXX | XXX |
| EV (current) | $577M | XXX | $577M | XXX | XXX | XXX |
| EV/Revenue | 1.0x | XXX | 1.1x | XXX | XXX | XXX |
| EV/EBITDA | 2.9x | XXX | 1.9x | XXX | XXX | XXX |
| EV/EBIT | 3.8x | XXX | 1.9x | XXX | XXX | XXX |
| EV/Gross Profit | n/a | XXX | n/a | XXX | XXX | XXX |
| P/E | 2.6x | XXX | 41.9x | XXX | XXX | XXX |
| EV/FCF | n/a | XXX | 1.9x | XXX | XXX | XXX |
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Access all public comps and forward-looking valuation multiples like EV/Revenue in 2025, based on equity research analyst estimates.
Start Free TrialOppFi's last 12 month revenue growth is 12%
OppFi's revenue per employee in the last FY averaged $1.2M, while opex per employee averaged $0.3M for the same period.
OppFi's rule of 40 is 22% (metric relevant for SaaS companies only, counted as combined revenue growth rate and EBITDA margin).
OppFi's rule of X is 64% (created by Bessemer, rule of X is another metric relevant for SaaS companies only, ~1.5x stronger vs. the traditional Rule of 40, counted as revenue growth rate multiplied by 2.5 plus EBITDA margin).
See operational valuation multiples for OppFi and other 15K+ public comps| LTM | NTM | Last FY | FY 2025 | FY 2026 | FY 2027 | |
|---|---|---|---|---|---|---|
| Revenue Growth | 12% | XXX | 12% | XXX | XXX | XXX |
| EBITDA Margin | 35% | XXX | 59% | XXX | XXX | XXX |
| EBITDA Growth | 9% | XXX | 96% | XXX | XXX | XXX |
| Rule of 40 | 22% | XXX | 70% | XXX | XXX | XXX |
| Bessemer Rule of X | XXX | XXX | 64% | XXX | XXX | XXX |
| Revenue per Employee | XXX | XXX | $1.2M | XXX | XXX | XXX |
| Opex per Employee | XXX | XXX | $0.3M | XXX | XXX | XXX |
| S&M Expenses to Revenue | XXX | XXX | 9% | XXX | XXX | XXX |
| G&A Expenses to Revenue | XXX | XXX | n/a | XXX | XXX | XXX |
| R&D Expenses to Revenue | XXX | XXX | n/a | XXX | XXX | XXX |
| Opex to Revenue | XXX | XXX | 23% | XXX | XXX | XXX |
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Benchmark public comps and private revenue and EBITDA valuation multiples across GRC software, cloud infrastructure, DevOps, online marketplaces and so much more!
| EV/Revenue | EV/EBITDA | |||||
|---|---|---|---|---|---|---|
| 2025E | 2026E | 2027E | 2025E | 2026E | 2027E | |
| Credit Clear | XXX | XXX | XXX | XXX | XXX | XXX |
| Harmoney Corp | XXX | XXX | XXX | XXX | XXX | XXX |
| Humm Group | XXX | XXX | XXX | XXX | XXX | XXX |
| MoneyMe | XXX | XXX | XXX | XXX | XXX | XXX |
| Plenti Group | XXX | XXX | XXX | XXX | XXX | XXX |
| XXXXXXXX | XXX | XXX | XXX | XXX | XXX | XXX |
| XXXXXXXX | XXX | XXX | XXX | XXX | XXX | XXX |
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OppFi acquired XXX companies to date.
Last acquisition by OppFi was XXXXXXXX, XXXXX XXXXX XXXXXX . OppFi acquired XXXXXXXX for XXX (EV/Revenue multiple of XXX ).
See M&A valuation multiples| Acquired Company | EV | EV/Revenue | EV/EBITDA |
|---|---|---|---|
| XXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXX | XXX | XXX | XXX |
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Start Free Trial| When was OppFi founded? | OppFi was founded in 2020. |
| Where is OppFi headquartered? | OppFi is headquartered in United States of America. |
| How many employees does OppFi have? | As of today, OppFi has 445 employees. |
| Who is the CEO of OppFi? | OppFi's CEO is Mr. Todd G. Schwartz. |
| Is OppFi publicy listed? | Yes, OppFi is a public company listed on NYS. |
| What is the stock symbol of OppFi? | OppFi trades under OPFI ticker. |
| When did OppFi go public? | OppFi went public in 2021. |
| Who are competitors of OppFi? | Similar companies to OppFi include e.g. Credit Clear, Harmoney Corp, Humm Group, MoneyMe. |
| What is the current market cap of OppFi? | OppFi's current market cap is $304M |
| What is the current revenue of OppFi? | OppFi's last 12 months revenue is $576M. |
| What is the current revenue growth of OppFi? | OppFi revenue growth (NTM/LTM) is 12%. |
| What is the current EV/Revenue multiple of OppFi? | Current revenue multiple of OppFi is 1.0x. |
| Is OppFi profitable? | Yes, OppFi is EBITDA-positive (as of the last 12 months). |
| What is the current EBITDA of OppFi? | OppFi's last 12 months EBITDA is $200M. |
| What is OppFi's EBITDA margin? | OppFi's last 12 months EBITDA margin is 35%. |
| What is the current EV/EBITDA multiple of OppFi? | Current EBITDA multiple of OppFi is 2.9x. |
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