OppFi Inc (OPFI) FinancialsOPFIOppFi Inc

Evaluating the bottom line, OppFi Inc maintains a gross margin of N/A. This metric reflects the company's pricing power and manufacturing efficiency. Further down the income statement, the operating margin stands at 104.84%, while the net margin is 10.88%. These profitability ratios, combined with a Return on Equity (ROE) of 47.58%, provide a clear picture of how effectively OPFI converts its operational activities into shareholder value.

In the context of the broader market, OPFI competes directly with industry leaders such as VEL and FOA. With a market capitalization of $610.56M, it holds a significant position in the sector. When comparing efficiency, OPFI's gross margin of N/A stands against VEL's N/A and FOA's 97.36%. Such benchmarking helps identify whether OppFi Inc is trading at a premium or discount relative to its financial performance.

OppFi reported Q2 2026 revenue of $143.5 million, a modest decline from the previous year, and a net income of $14.84 million, down significantly from $39.4 million. The forward P/E ratio stands at 5, indicating potential undervaluation, but the declining net income raises concerns.