OppFi - Public Comps and Valuation Multiples

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

Employees

445

Website

oppfi.com

Sectors

Online Lending
Lending Solutions
FinTech

Financials

LTM Revenue $541M

LTM EBITDA $170M

EV

$471M

Valuation Multiples

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OppFi Financials

OppFi has a last 12-month revenue of $541M and a last 12-month EBITDA of $170M.

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

	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

Financial data powered by Morningstar, Inc.

OppFi Stock Performance

As of April 15, 2025, OppFi's stock price is $8.

OppFi has current market cap of $200M, and EV of $471M.

See OppFi trading valuation data

OppFi Stock Data

EV	Market Cap	Price 1D	Price 1M	Price 3M	Price 12M	EPS
$471M	$200M	XXX	XXX	XXX	XXX	$0.98

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OppFi Valuation Multiples

As of April 15, 2025, OppFi has market cap of $200M and EV of $471M.

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

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OppFi Financial Valuation Multiples

	FY 2024	FY 2025E	FY 2026E	FY 2027E
EV	$471M	XXX	XXX	XXX
EV/Revenue	0.9x	XXX	XXX	XXX
EV/EBITDA	1.5x	XXX	XXX	XXX
P/E	27.6x	XXX	XXX	XXX
P/E/Growth	0.1x	XXX	XXX	XXX
EV/FCF	1.5x	XXX	XXX	XXX

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

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Access all public comps and forward-looking valuation multiples like EV/Revenue in 2025, based on equity research analyst estimates.

OppFi Valuation Multiples

OppFi'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

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OppFi Operational Valuation Multiples

	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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