Stock fact sheet · data as of
OppFi Inc. (OPFI): fair value, margin of safety and Wheel Score
Ticker symbol OPFI · Financial Services · Financial - Credit Services · United States · Class A common stock · Blend Income
OPFI is OppFi Inc.'s Class A common stock. The classes own the same business, share the same earnings report and trade within a few cents of each other; what differs is mainly the vote each share carries - the company's annual report sets out the voting rights.
Is OPFI undervalued?
OppFi Inc. (OPFI) closed at 6.37 on 5 Nov 2026. The GLS average fair value - the simple average of the 9 valuation models that produced a positive number - is 53.03, which puts the price 88% below it. 9 of the 9 models value the shares above the current price. A gap this wide is rare in our universe of ~7,400 US stocks and is exactly what the Value part of the Wheel Score rewards; it is also where the question "why is it this cheap?" matters most.
The 9 models disagree widely: DDM gives 11.21 while DCF gives 110.53. A spread that wide means the average is sensitive to which methods you trust; the model table below shows where each one lands, and the Quote page lets you switch any of them off.
Ranked against every other company we cover, neither cheapness nor growth clearly wins for OPFI, so the nightly engine files it under Blend (value score 84, growth score 77, out of 100). It also carries the Income tag (Income = a dividend yield of 4% or more).
Nine valuation models for OPFI
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | 110.53 | +1635% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 11.42 | +79% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 41.01 | +544% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 16.25 | +155% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 68.06 | +968% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 96.37 | +1413% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 110.05 | +1628% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | 11.21 | +76% | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend |
| EPV | 12.35 | +94% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | 2.28 | -64% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 10.25 | +61% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
Financial health is average - OPFI passes 5 of the nine Piotroski tests, which falls one point short of the "Piotroski 6 or more" Wheel Trade Filter. The Financials tab on the Quote page shows which tests fail. The GLS Moat score is 6.9 out of 10: a record that is solid on some of the four parts the score weighs (returns on capital, pricing power, lasting growth, balance sheet) and weaker on others.
Returns on capital are moderate - ROIC 6.7%, ROE 45.0%, ROA 3.5% - with debt at 5.69 times equity and a free-cash-flow yield of 71.8%. Debt of 5.69 times equity is on the high side for the sector and is worth checking against the cash flow before treating the stock as a long-term hold.
The dividend yield is high at 11.96% (payout ratio 35%). A yield this size is often the market's way of pricing a risk to the payout, so the health score and cash flow matter more than usual. Revenue comes mainly from Reportable 100% (quarter Q2 FY2026).
Institutional ownership scores 4/10, insider activity 5/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | 5 / 9 | ROIC | 6.7% |
|---|---|---|---|
| GLS Moat | 6.9 / 10 | ROE | 45.0% |
| Debt / equity | 5.69 | ROA | 3.5% |
| Free-cash-flow yield | 71.8% | Payout ratio | 35% |
| Institutions | 4 / 10 | Insiders · Congress | 5 · 5 / 10 |
Wheel Score 41: Weak
OPFI scores 41 out of 100 on the Wheel Score, in the Weak band (under 50): it fails filter 4, financially healthy - Piotroski 5/9 (under 6); and filter 6, no serious red flags - Red Flags score 50 (under 60); and filter 8, big enough - market cap $543M (under $1.0B), and the parts are thin too - value strong, premium strong, moat good, health fair, red flags weak, option trading weak, stability weak. The score is not a judgement on the company; it says the price, quality and premium do not line up for selling puts on it today.
Implied volatility is 69% on the near-the-money contracts 20-60 days out - above the 60% top of the sweet spot. It still passes the 25-80% filter, but the Wheel Score rewards it less because volatility this high usually comes with a reason. Chain open interest is 3,917 contracts across all expiries - enough for the wheel at normal size.
Volume runs at 1.6M shares a day on a market cap of $543M, with a beta of 1.93 - a high beta, so the stock tends to move more than the market and a strike can be gapped through; the Stability part of the Wheel Score rates that weak.
| Filter | Wheel Trade Filter | Result | Detail |
|---|---|---|---|
| 1 | Options that actually trade | Passes | Listed options with 1,000+ contracts of open interest and 100+ traded a day |
| 2 | A real business, not a gamble | Passes | Profitable over the last twelve months - not a speculative stock, fund or note |
| 3 | Below fair value | Passes | Trading below the nine-model average fair value (margin of safety above 0) |
| 4 | Financially healthy | Fails | Piotroski 5/9 (under 6) |
| 5 | Can repay its debt | Passes | Long-term debt repaid from 3 years of operating cash flow or less (6 for real estate and utilities; banks and insurers are not judged on it) |
| 6 | No serious red flags | Fails | Red Flags score 50 (under 60) |
| 7 | A premium worth selling | Passes | Implied volatility 25-80% (enough premium, not a lottery ticket) |
| 8 | Big enough | Fails | market cap $543M (under $1.0B) |
| 9 | Not a penny stock | Passes | Share price $5 or more |
| How it ranks | Rating | From | |
|---|---|---|---|
| Value | Strong | 88% below fair value | |
| Premium | Strong | implied volatility 69% | |
| Moat | Good | moat 6.9/10 | |
| Health | Fair | Piotroski 5/9 | |
| Red Flags | Weak | Red Flags score 50/100 | |
| Option trading | Weak | 520 contracts a day, 3,917 open interest | |
| Stability | Weak | beta 1.93, $543M company |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls: a stock must pass all 9 Wheel Trade Filters to score 70, and the score then ranks the ones that pass; the Sunday Scan is the top 10. It is updated nightly and is not a recommendation. How the Wheel Score works · the walkthrough lesson shows how it fits into a trade, start to finish.
Upcoming events
No upcoming earnings date is recorded for OPFI in the nightly calendar.
No analyst upgrades or downgrades were recorded in the last 30 days.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Financial - Credit Services
The 12 companies below are the closest to OppFi Inc. by market cap within the Financial - Credit Services industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| TREE LendingTree, Inc. | 38.35 | 147.03 | +74% | 46Weak | $538M |
| OPRT Oportun Financial Corporation | 13.01 | 40.48 | +68% | 44Weak | $598M |
| GDOT Green Dot Corporation | 12.76 | 48.27 | +74% | 48Weak | $727M |
| FINV FinVolution Group | 3.04 | 29.64 | +90% | 39Weak | $747M |
| WRLD World Acceptance Corporation | 161.10 | 319.33 | +50% | 37No options | $751M |
| PRAA PRA Group, Inc. | 20.18 | 5.98 | -238% | 34Weak | $760M |
| RM Regional Management Corp. | 39.50 | 220.57 | +82% | 52Fair | $353M |
| NAVI Navient Corporation | 9.07 | 40.08 | +77% | 40Weak | $851M |
| ORBS Eightco Holdings Inc. | 0.7933 | - | - | 11Weak | $333M |
| PMTS CPI Card Group Inc. | 28.24 | 56.72 | +50% | 32No options | $327M |
| RWAYI Runway Growth Finance Corp. 7.25% Notes due 2031 | 24.81 | 26.78 | +7% | 15No options | $903M |
| HTT High Templar Tech Limited | 1.78 | 18.60 | +90% | 29Weak | $284M |
⚖ Compare OPFI with 7 of them All Financial Services stocks →
Scan the whole market the same way
A free GLS Equity account gets you nightly fair value and the Wheel Score on ~7,400 US stocks, a watchlist, the scanner preview and the Sunday Scan - the top 10 stocks that pass all 9 Wheel Trade Filters, emailed every week. Pro adds the full put and call scanners, unlimited watchlists with alerts and the trade journal.
Start free See the Sunday ScanQuestions about OPFI
What kind of share is OPFI?
OPFI is OppFi Inc.'s Class A common stock. The classes own the same business, share the same earnings report and trade within a few cents of each other; what differs is mainly the vote each share carries - the company's annual report sets out the voting rights.
Is OPFI undervalued right now?
By the GLS models, yes: at 6.37 the stock is 88% below the average fair value of 53.03 (data as of 5 Nov 2026). Whether the discount is deserved is the question to research next.
What is the Wheel Score of OPFI and what does it mean?
OPFI scores 41 out of 100 (Weak) - it fails Wheel Trade Filters 4, 6, 8. The Wheel Score ranks stocks for the wheel strategy - selling cash-secured puts, then covered calls if assigned - in two parts: the 9 pass/fail Wheel Trade Filters (busy options, a real business, below fair value, Piotroski 6 or more, debt it can repay, a Red Flags score of 60 or more, implied volatility of 25-80%, a $1 billion company, $5 a share) and a ranking of how strongly a stock passes on value, premium, moat, health, red flags, option trading and stability. A stock that fails any filter stays under 70; 70-84 is Good, 85 and above is Prime. The Sunday Scan is the top 10 that pass, sorted by Wheel Score.
What is the GLS fair value for OPFI?
53.03 per share as of 5 Nov 2026 - the simple average of the 9 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does OppFi Inc. report earnings next?
No upcoming earnings date is recorded for OPFI in our calendar as of 5 Nov 2026; the Calendars page is refreshed every morning.
Does OPFI have listed options, and how liquid are they?
Yes. The nightly snapshot found 12 listed contracts with 3,917 open interest across all expiries and implied volatility of 69% on the near-the-money contracts. The Options scanner lists the cash-secured put and covered call set-ups with premium and annualised yield worked out.