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OppFi Valuation Multiples

Discover revenue and EBITDA valuation multiples for OppFi and similar public comparables like Pepper Money, MoneyMe, and Plenti Group.

OppFi Overview

About OppFi

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.


Founded

2020

HQ

United States of America
Employees

445

Website

oppfi.com

Financials

LTM Revenue $548M

LTM EBITDA $185M

EV

$574M

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OppFi Financials

OppFi has a last 12-month revenue (LTM) of $548M and a last 12-month EBITDA of $185M.

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

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OppFi P&L

LTM NTM Last FY FY 2025 FY 2026 FY 2027
Revenue $548M XXX $526M XXX XXX XXX
Gross Profit $548M XXX $421M XXX XXX XXX
Gross Margin 100% XXX 80% XXX XXX XXX
EBITDA $185M XXX $309M XXX XXX XXX
EBITDA Margin 34% XXX 59% XXX XXX XXX
EBIT $129M XXX $299M XXX XXX XXX
EBIT Margin 24% XXX 57% XXX XXX XXX
Net Profit $94.2M XXX $7.3M XXX XXX XXX
Net Margin 17% XXX 1% XXX XXX XXX
Net Debt XXX XXX $257M XXX XXX XXX

Financial data powered by Morningstar, Inc.

OppFi Stock Performance

As of May 30, 2025, OppFi's stock price is $13.

OppFi has current market cap of $332M, and EV of $574M.

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OppFi Stock Data

EV Market Cap Price 1D Price 1M Price 3M Price 12M EPS
$574M $332M XXX XXX XXX XXX $1.07

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OppFi Valuation Multiples

As of May 30, 2025, OppFi has market cap of $332M and EV of $574M.

OppFi's trades at 1.1x EV/Revenue multiple, and 1.9x EV/EBITDA.

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 3.5x.

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OppFi Financial Valuation Multiples

LTM NTM Last FY FY 2025 FY 2026 FY 2027
Market cap (current) $332M XXX $332M XXX XXX XXX
EV (current) $574M XXX $574M XXX XXX XXX
EV/Revenue 1.0x XXX 1.1x XXX XXX XXX
EV/EBITDA 3.1x XXX 1.9x XXX XXX XXX
EV/EBIT 4.5x XXX 1.9x XXX XXX XXX
EV/Gross Profit 1.0x XXX n/a XXX XXX XXX
P/E 3.5x XXX 45.7x XXX XXX XXX
EV/FCF n/a XXX 1.8x XXX XXX XXX

Valuation data powered by FactSet, Inc. and Morningstar, Inc.

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OppFi Margins & Growth Rates

OppFi's last 12 month revenue growth is 10%

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 20% (metric relevant for SaaS companies only, counted as combined revenue growth rate and EBITDA margin).

OppFi's rule of X is 58% (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).

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OppFi Operational Valuation Multiples

LTM NTM Last FY FY 2025 FY 2026 FY 2027
Revenue Growth 10% XXX 10% XXX XXX XXX
EBITDA Margin 34% XXX 59% XXX XXX XXX
EBITDA Growth 13% XXX 95% XXX XXX XXX
Rule of 40 20% XXX 68% XXX XXX XXX
Bessemer Rule of X XXX XXX 58% 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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OppFi Public Comps

See public comps and valuation multiples for Online Lending and Lending Solutions comps
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 M&A and Investment Activity

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 ).

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Latest Acquisitions by OppFi

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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About OppFi

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 $332M
What is the current revenue of OppFi? OppFi's last 12 months revenue is $548M.
What is the current revenue growth of OppFi? OppFi revenue growth (NTM/LTM) is 10%.
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 $185M.
What is OppFi's EBITDA margin? OppFi's last 12 months EBITDA margin is 34%.
What is the current EV/EBITDA multiple of OppFi? Current EBITDA multiple of OppFi is 3.1x.

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