OppFi Inc. (OPFI)
Finance Services · Financial Services · $120M
Intrinsic Value (Consensus)
$13.06
Current Price
$8.78
Margin of Safety
+48.7%
48.7% Below Intrinsic Value
Value: $13
Price: $9
Valuation Model Estimates
Current Price: $8.78
DCF (Discounted Cash Flow)
$1173.41
Graham Number
$9.78
Earnings Power Value
$9.61
Relative Value (P/E)
$19.80
Dividend Discount Model
$83.33
Consensus Value
$13.06
Model Assumptions
Discount Rate
10.3%
Growth Rate
20.0%
Terminal Growth
2.5%
Risk-Free Rate
4.3%
Discount rate derived from CAPM (risk-free rate + beta × market risk premium). Growth rate based on trailing earnings growth, capped at 20%.
Health Score
B
76
Profitability
25/25
Strength
19/25
Valuation
22/25
Growth
10/25
Financial Health Signals
Strong profitability — ROE of 45% (above 20% is excellent)
Strong earnings growth (20% YoY)
High free cash flow yield (285.0%) — generating lots of cash relative to price
Key Financials
- EPS (TTM)
- $0.99
- EPS (Forward)
- $1.19
- Book Value
- $4.29
- P/E Ratio
- 20.0
- Forward P/E
- 16.7
- PEG Ratio
- —
- ROE
- 45.0%
- Debt/Equity
- 85%
- Revenue Growth
- N/A
- Earnings Growth
- 20.0%
- Dividend Yield
- 1.3%
- Beta
- 1.00
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Data last updated: 2026-06-16
Source: Yahoo Finance