OppFi (OPFI) Defensive Interval Ratio

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

OPFI OppFi Inc OPFI
80 GF Score
Price $9.37
GF Value $3.43
Valuation Significantly Overvalued
! 4 Warning Signs
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What is OppFi Defensive Interval Ratio?

OPFI
80GF Score
OppFi Inc OPFI
Defensive Interval Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
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Is OppFi (OPFI) Overvalued in 2026?

Based on GuruFocus' analysis, OppFi stock appears to be overvalued. The current stock price of $9.37 is trading 173.2% above its estimated GF Value™ of $3.43. GuruFocus considers OppFi to be Significantly Overvalued.

Key valuation signals for OPFI:

  • Defensive Interval Ratio:
  • GF Value™: $3.43 vs. price of $9.37 (173.2% above fair value)
  • GF Score™: 80/100 with 4 warning signs

No single metric tells the full story. See the OPFI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


OppFi Business Description

Address 130 East Randolph Street, Suite 3400, Chicago, IL, USA, 60601
OppFi Inc. is a tech-enabled, mission-driven specialty finance platform that broadens the reach of community banks to expand credit access for everyday Americans. It recognizes revenue from finance charges on installment and SalaryTap contracts using the interest method.
80GF Score

Get the complete analysis for OPFI

Defensive Interval Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$9.37
Price
$3.43
GF Value