OPFI - NYSE

OppFi Inc.

OppFi Inc.

OPFIยทNYSE

$8.00

-4.3%
TechnologySoftware - Application

OppFi Inc. operates a financial technology platform that allows banks to offer lending products. Its platform facilitates the OppLoan, an installment loan product; SalaryTap, a payroll deduction secured installment loan product; and OppFi Card, a credit card product. The company is based in Chicago, Illinois.

StatementsValue Model

At a Glance

Live Snapshot
Market Cap$683.15M
EPS0.9900
P/E Ratio8.08
Earnings Date08/05/2026
OppFi Inc.

OppFi Inc. Fair Value Envelope

OPFI ยท NYSE

Our analysis suggests that OPFI has a fair value of HIDDEN per share in the Base Case projection. With shares currently trading at $8, this represents a potential HIDDEN relative to our calculated worth for OppFi Inc..

HIDDEN
Intrinsic Value
Current Price: $8

Owner Earnings Valuation Tool

Warren Buffett's Owner Earnings DCF analysis for intrinsic value calculation

Historical Financial Data

Base year metrics used for projections

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$
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Projection Settings

Forecast period and terminal assumptions

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DCF Valuation Summary

Calculation flow from present value to intrinsic value per share

Present Value$33.4B
+ Cash & Equivalents$49.5M
Firm Value$33.5B
- Debt$332.8M
Equity Value$33.2B
/ Shares Outstanding86,612,555B
DCF Value$383
UNDERVALUED BY 4686%

Owner Earnings Projections

Operating Cash Flow - Maintenance CapEx = Owner Earnings

Metric
Year 1
Year 2
Year 3
Year 4
Year 5
Year 6
Year 7
Year 8
Year 9
Year 10
Operating Cash Flow
$493.5M
$606.9M
$746.3M
$917.7M
$1.1B
$1.4B
$1.7B
$2.1B
$2.6B
$3.2B
Maintenance CapEx
-$4.7M
-$5.8M
-$7.1M
-$8.7M
-$10.7M
-$13.2M
-$16.3M
-$20.0M
-$24.6M
-$30.2M
Owner Earnings
$488.8M
$601.1M
$739.2M
$909.0M
$1.1B
$1.4B
$1.7B
$2.1B
$2.6B
$3.1B
Discount Factor
0.926
0.857
0.794
0.735
0.681
0.630
0.583
0.540
0.500
0.463
Present Value
$452.6M
$515.3M
$586.8M
$668.1M
$760.7M
$866.2M
$986.3M
$1.1B
$1.3B
$1.5B
Terminal Value represents 74.0% of Enterprise Value

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3

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