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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 $542M
LTM EBITDA $175M
$498M
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OppFi has a last 12-month revenue of $542M and a last 12-month EBITDA of $175M.
In the most recent fiscal year, OppFi achieved revenue of $526M and an EBITDA of $309M.
OppFi expects next 12-month revenue of XXX and NTM EBITDA of XXX
See OppFi valuation multiples based on analyst estimates| FY 2023 | FY 2024 | FY 2025 | LTM | NTM | |
|---|---|---|---|---|---|
| Revenue | $509M | $526M | XXX | XXX | XXX |
| Gross Profit | $393M | $402M | XXX | XXX | XXX |
| Gross Margin | 77% | 76% | XXX | XXX | XXX |
| EBITDA | $54.5M | $309M | XXX | XXX | XXX |
| EBITDA Margin | 11% | 59% | XXX | XXX | XXX |
| Net Profit | $7.1M | -$1.0M | XXX | XXX | XXX |
| Net Margin | 1% | 0% | XXX | XXX | XXX |
| Net Debt | $331M | $302M | XXX | XXX | XXX |
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As of April 25, 2025, OppFi's stock price is $9.
OppFi has current market cap of $227M, and EV of $498M.
See OppFi trading valuation data| EV | Market Cap | Price 1D | Price 1M | Price 3M | Price 12M | EPS |
|---|---|---|---|---|---|---|
| $498M | $227M | XXX | XXX | XXX | XXX | $0.99 |
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Sign UpAs of April 25, 2025, OppFi has market cap of $227M and EV of $498M.
OppFi's trades at 0.9x LTM EV/Revenue multiple, and 2.8x LTM EBITDA.
Analysts estimate OppFi's 2025E EV/Revenue multiple at XXX and 2025E EV/EBITDA multiple at XXX
See valuation multiples for OppFi and 10K+ public comps| FY 2024 | FY 2025E | FY 2026E | FY 2027E | |
|---|---|---|---|---|
| EV | $498M | XXX | XXX | XXX |
| EV/Revenue | 0.9x | XXX | XXX | XXX |
| EV/EBITDA | 1.6x | XXX | XXX | XXX |
| P/E | 31.3x | XXX | XXX | XXX |
| P/E/Growth | 0.1x | XXX | XXX | XXX |
| EV/FCF | 1.6x | 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.
Sign UpOppFi's NTM/LTM revenue growth is 9%
OppFi's revenue per employee for the last fiscal year averaged $1.2M, while opex per employee averaged $0.3M for the same period.
Over next 12 months, OppFi's ratio of sales and marketing spend to revenue is estimated to be XXX , while its R&D spend to revenue to be XXX .
Analysts estimate OppFi's 2025E EV/Revenue multiple at XXX and 2025E EV/EBITDA multiple at XXX
See operational valuation multiples for OppFi and other 10K+ public comps| FY 2024 | NTM | FY 2025E | FY 2026E | FY 2027E | |
|---|---|---|---|---|---|
| Revenue Growth | 3% | XXX | XXX | XXX | XXX |
| EBITDA Margin | 59% | XXX | XXX | XXX | XXX |
| EBITDA Growth | 466% | XXX | XXX | XXX | XXX |
| Rule of 40 (SaaS-only) | 68% | XXX | XXX | XXX | XXX |
| Revenue per Employee | $1.2M | XXX | XXX | XXX | XXX |
| Opex per Employee | $0.3M | XXX | XXX | XXX | XXX |
| S&M Expenses to Revenue | 9% | XXX | XXX | XXX | XXX |
| G&A Expenses to Revenue | 8% | XXX | XXX | XXX | XXX |
| R&D Expenses to Revenue | n/a | XXX | XXX | XXX | XXX |
| Opex to Revenue | 23% | XXX | 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 |
| Humm Group | XXX | XXX | XXX | XXX | XXX | XXX |
| MoneyMe | XXX | XXX | XXX | XXX | XXX | XXX |
| Plenti Group | XXX | XXX | XXX | XXX | XXX | XXX |
| Pepper Money | XXX | XXX | XXX | XXX | XXX | XXX |
| XXXXXXXX | XXX | XXX | XXX | XXX | XXX | XXX |
| XXXXXXXX | XXX | XXX | XXX | XXX | XXX | XXX |
Valuation data powered by FactSet, Inc.
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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Sign Up| 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, Humm Group, MoneyMe, Plenti Group. |
| What is the current market cap of OppFi? | OppFi's current market cap is $227M |
| What is the current revenue of OppFi? | OppFi's last 12-month revenue is $542M. |
| What is the current EBITDA of OppFi? | OppFi's last 12-month EBITDA is $175M. |
| What is the current EV/Revenue multiple of OppFi? | Current revenue multiple of OppFi is 0.9x. |
| What is the current EV/EBITDA multiple of OppFi? | Current EBITDA multiple of OppFi is 2.8x. |
| What is the current revenue growth of OppFi? | OppFi revenue growth between 2023 and 2024 was 3%. |
| Is OppFi profitable? | Yes, OppFi is EBITDA-positive (as of the last 12 months). |
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