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OppFi Valuation Multiples
Discover revenue and EBITDA valuation multiples for OppFi and similar public comparables like Oportun, Solvar, Medallion Financial, Jiayin Group and more.
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
Financials (LTM)
EV
$499M
OppFi Financials
OppFi reported last 12-month revenue of $615M and EBITDA of $235M.
In the same LTM period, OppFi generated $235M in EBITDA and $144M in net income.
Revenue (LTM)
OppFi P&L
In the most recent fiscal year, OppFi reported revenue of $597M and EBITDA of $388M.
OppFi expects next 12-month revenue of XXX and NTM EBITDA of XXX
| LTM | NTM | Last FY | FY 2026 | FY 2027 | FY 2028 | |
|---|---|---|---|---|---|---|
| Revenue | $615M | XXX | $597M | XXX | XXX | XXX |
| Gross Profit | — | XXX | $497M | XXX | XXX | XXX |
| Gross Margin | — | XXX | 83% | XXX | XXX | XXX |
| EBITDA | $235M | XXX | $388M | XXX | XXX | XXX |
| EBITDA Margin | 38% | XXX | 65% | XXX | XXX | XXX |
| EBIT Margin | 30% | XXX | 64% | XXX | XXX | XXX |
| Net Profit | $144M | XXX | $140M | XXX | XXX | XXX |
| Net Margin | 23% | XXX | 23% | XXX | XXX | XXX |
| Net Debt | — | — | $272M | XXX | XXX | XXX |
Financial data powered by Morningstar, Inc.
OppFi Stock Performance
OppFi has current market cap of $216M, and enterprise value of $499M.
Market Cap Evolution
OppFi's stock price is $8.16.
| EV | Market Cap | Price 1D | Price 1M | Price 3M | Price 12M | EPS |
|---|---|---|---|---|---|---|
| $499M | $216M | 0.5% | XXX | XXX | XXX | $5.29 |
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Start Free TrialOppFi Valuation Multiples
OppFi trades at 0.8x EV/Revenue multiple, and 2.1x EV/EBITDA.
EV / Revenue (LTM)
OppFi Financial Valuation Multiples
As of April 10, 2026, OppFi has market cap of $216M and EV of $499M.
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 1.5x.
| LTM | NTM | Last FY | FY 2026 | FY 2027 | FY 2028 | |
|---|---|---|---|---|---|---|
| Market cap (current) | $216M | XXX | $216M | XXX | XXX | XXX |
| EV (current) | $499M | XXX | $499M | XXX | XXX | XXX |
| EV/Revenue | 0.8x | XXX | 0.8x | XXX | XXX | XXX |
| EV/EBITDA | 2.1x | XXX | 1.3x | XXX | XXX | XXX |
| EV/EBIT | 2.7x | XXX | 1.3x | XXX | XXX | XXX |
| EV/Gross Profit | — | XXX | 1.0x | XXX | XXX | XXX |
| P/E | 1.5x | XXX | 1.5x | XXX | XXX | XXX |
| EV/FCF | — | XXX | 1.3x | XXX | XXX | XXX |
Valuation data powered by FactSet, Inc. and Morningstar, Inc.
Verified OppFi Valuation Multiples
Access all public comps and forward-looking valuation multiples like EV/Revenue in 2027, based on consensus analyst estimates. Powered by FactSet and Morningstar.
OppFi Margins & Growth Rates
OppFi's revenue in the last 12 month grew by 11%.
OppFi's revenue per employee in the last FY averaged $1.3M, while opex per employee averaged $0.3M for the same period.
OppFi's rule of 40 is 47% (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 to measure SaaS companies, ~1.5x stronger vs. the traditional Rule of 40, counted as revenue growth rate multiplied by 2.5 plus EBITDA margin).
OppFi Operational Valuation Multiples
| LTM | NTM | Last FY | FY 2026 | FY 2027 | FY 2028 | |
|---|---|---|---|---|---|---|
| Revenue Growth | 11% | XXX | 11% | XXX | XXX | XXX |
| EBITDA Margin | 38% | XXX | 65% | XXX | XXX | XXX |
| EBITDA Growth | 3% | XXX | (38%) | XXX | XXX | XXX |
| Rule of 40 | — | XXX | 47% | XXX | XXX | XXX |
| Bessemer Rule of X | — | XXX | 64% | XXX | XXX | XXX |
| Revenue per Employee | — | XXX | $1.3M | XXX | XXX | XXX |
| Opex per Employee | — | XXX | $0.3M | XXX | XXX | XXX |
| S&M Expenses to Revenue | 8% | XXX | 9% | XXX | XXX | XXX |
| G&A Expenses to Revenue | 6% | XXX | 7% | XXX | XXX | XXX |
| R&D Expenses to Revenue | 4% | XXX | 4% | XXX | XXX | XXX |
| Opex to Revenue | — | XXX | 19% | XXX | XXX | XXX |
Valuation data powered by FactSet, Inc. and Morningstar, Inc.
OppFi Public Comps
See public comps and valuation multiples for other Online Lending and Consumer Finance comps.
| EV/Revenue | EV/EBITDA | |||||
|---|---|---|---|---|---|---|
| LTM | 2026E | 2027E | LTM | 2026E | 2027E | |
| Oportun | XXX | XXX | XXX | XXX | XXX | XXX |
| Solvar | XXX | XXX | XXX | XXX | XXX | XXX |
| Medallion Financial | XXX | XXX | XXX | XXX | XXX | XXX |
| Jiayin Group | XXX | XXX | XXX | XXX | XXX | XXX |
| Humm Group | 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 Activity
OppFi acquired XXX companies to date.
Last acquisition by OppFi was on XXXXXXXX, XXXXX. OppFi acquired XXXXXXXX for XXX (EV/Revenue multiple of XXX).
Latest Acquisitions by OppFi
| Acquired Company | Valuation | EV/Revenue | EV/EBITDA |
|---|---|---|---|
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
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Start Free TrialOppFi Investment Activity
OppFi invested in XXX companies to date.
OppFi made its latest investment on XXXXXXXX, XXXXX. OppFi invested in XXXXXXXX for XXX (EV/Revenue multiple of XXX).
Latest Investments by OppFi
| Company | Valuation | EV/Revenue | EV/EBITDA |
|---|---|---|---|
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
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Start Free TrialAbout OppFi
| When was OppFi founded? | OppFi was founded in 2020. |
| Where is OppFi headquartered? | OppFi is headquartered in United States. |
| How many employees does OppFi have? | As of today, OppFi has over 445 employees. |
| Who is the CEO of OppFi? | OppFi's CEO is Todd G. Schwartz. |
| Is OppFi publicly listed? | Yes, OppFi is a public company listed on NYSE. |
| 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? | OppFi main competitors are Oportun, Solvar, Medallion Financial, Jiayin Group. |
| What is the current market cap of OppFi? | OppFi's current market cap is $216M. |
| What is the current revenue of OppFi? | OppFi's last 12 months revenue is $615M. |
| What is the current revenue growth of OppFi? | OppFi revenue growth (NTM/LTM) is 11%. |
| What is the current EV/Revenue multiple of OppFi? | Current revenue multiple of OppFi is 0.8x. |
| 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 $235M. |
| What is OppFi's EBITDA margin? | OppFi's last 12 months EBITDA margin is 38%. |
| What is the current EV/EBITDA multiple of OppFi? | Current EBITDA multiple of OppFi is 2.1x. |
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