OppFi Inc. Ratios

Ratios Dec2019 Dec2020 Dec2021 Dec2022 Dec2023 Dec2024
Profitability
Gross Margin 90.12%90.69%80.10%73.13%81.49%84.69%
EBT Margin 28.72%38.71%34.17%1.43%15.30%27.40%
EBIT Margin 28.72%38.71%21.71%-2.92%16.97%29.41%
EBITDA Margin 28.72%38.71%21.71%-2.92%16.97%29.41%
Operating Margin 28.72%38.71%21.71%-2.92%16.97%29.41%
Net Margin 28.72%38.71%34.05%1.57%14.45%26.09%
FCF Margin -285.02%-140.49%-159.40%-228.21%-155.63%-126.99%
Efficiency
Assets Average 393.97M540.97M590.69M621.36M
Equity Average 68.39M128.60M158.51M176.59M214.12M
Invested Capital 37.45M231.06M207.88M159.15M194.03M234.21M
Asset Utilization Ratio 0.670.400.460.52
Leverage & Solvency
Interest Coverage Ratio 1.513.752.37-0.180.992.11
Debt to Equity 1.331.592.171.711.36
Debt Ratio 0.460.500.590.550.50
Equity Ratio 0.350.310.270.320.37
Times Interest Earned 1.513.752.37-0.180.992.11
Dividends & Payouts
FCF Payout Ratio -0.03-0.06-0.120.00-0.02-0.10
Valuation
Enterprise Value -35.98M1,123.89M481.75M334.62M676.27M773.55M
Market Capitalization 1,169.54M377.20M224.65M566.63M660.40M
Return Ratios
Return on Sales 0.29%0.39%0.34%0.02%0.14%0.26%
Return on Invested Capital 0.26%0.25%0.42%
Return on Assets 0.23%0.01%0.07%0.14%
Return on Equity 1.13%0.70%0.02%0.22%0.39%