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OppFiOPFI +0.80%81 3-Year EBITDA Growth Rate is 71.40% as of Jun. 2026, which is 40% above its 10-year median of 50.95. GuruFocus rates OPFI with a GF Score™ of 81/100 and a GF Value™ of $3.36 (Significantly Overvalued). The stock has 1 warning sign investors should review. Among 328 Credit Services companies, OppFi ranks better than 89.94% on this metric.
During the past 12 months, OppFi's average EBITDA Per Share Growth Rate was -53.10% per year.
During the past 3 years, the average EBITDA Per Share Growth Rate was 71.40% per year.
During the past 5 years, the average EBITDA Per Share Growth Rate was 43.00% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average EBITDA per share growth rate.
During the past 7 years, the highest 3-Year average EBITDA Per Share Growth Rate of OppFi was 134.40% per year. The lowest was -13.30% per year. And the median was 50.95% per year.
EBITDA per Share is the amount of Earnings Before Interest, Taxes, Depreciation, and Amortization (EBITDA) per outstanding share of the company's stock.
Earnings Before Interest, Taxes, Depreciation, and Amortization (EBITDA) is what the company earns before it expenses interest, taxes, depreciation and amortization.
OppFi 3-Year EBITDA Growth Rate Related Terms
OPFI vs PRAA, GDOT, HTT: 3-Year EBITDA Growth Rate Comparison
For the Credit Services subindustry, OppFi's 3-Year EBITDA Growth Rate, along with its competitors' market caps and 3-Year EBITDA Growth Rate data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
OppFi 3-Year EBITDA Growth Rate vs Credit Services Industry
For the Credit Services industry and Financial Services sector, OppFi's 3-Year EBITDA Growth Rate distribution charts can be found below:
* The bar in red indicates where OppFi's 3-Year EBITDA Growth Rate falls into.
This is the 3-year average growth rate of EBITDA per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average EBITDA per share growth rate.
What does a 3-Year EBITDA Growth Rate of 71.40% mean?
OppFi (OPFI) has a 3-Year EBITDA Growth Rate of 71.40% as of Jun. 2026. 3-Year EBITDA Growth Rate is the 3-year average growth rate of EBITDA per share. View historical data for OppFi and its competitors. This is 40% above median its historical median of 50.95. According to the industry distribution chart, OppFi ranks #33 out of 328 companies in the Credit Services industry, placing it in the top 10.1%.
Is OppFi's 3-Year EBITDA Growth Rate too high?
OppFi's current 3-Year EBITDA Growth Rate of 71.40% is 40% above median its 10-year median of 50.95. The Credit Services industry median 3-Year EBITDA Growth Rate is 10.40. OppFi's value of 71.40% is 586.5% above this industry median. Based on the distribution chart, OppFi ranks #33 out of 328 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, OppFi has a GF Score™ of 81/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does OppFi's 3-Year EBITDA Growth Rate compare to PRAA and GDOT?
According to the Credit Services industry distribution chart, OppFi ranks #33 out of 328 companies for 3-Year EBITDA Growth Rate. This places OppFi in the top 10% of its industry — outperforming the majority of peers. The industry median 3-Year EBITDA Growth Rate is 10.40. OppFi's value of 71.40% is 586.5% above this benchmark. While the company's 10-year median is 50.95 vs. the industry median of 10.40, OppFi has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year EBITDA Growth Rate for a Credit Services company?
The median 3-Year EBITDA Growth Rate among Credit Services companies is 10.40, based on 328 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year EBITDA Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year EBITDA Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. OppFi's current 3-Year EBITDA Growth Rate of 71.40% is 586.5% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year EBITDA Growth Rate mean?
A high 3-Year EBITDA Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year EBITDA Growth Rate is the 3-year average growth rate of EBITDA per share. View historical data for OppFi and its competitors. For the Credit Services industry, the median 3-Year EBITDA Growth Rate is 10.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. OppFi's current 3-Year EBITDA Growth Rate is 71.40%, which is 40% above median its own 10-year median of 50.95. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is OppFi stock overvalued right now?
Based on GuruFocus' analysis, OppFi (OPFI) is currently considered Significantly Overvalued. The stock's GF Value™ is $3.36, compared to a current price of $7.59 — trading 125.9% above its estimated fair value. The current 3-Year EBITDA Growth Rate is 71.40%, which is 40% above median its 10-year median of 50.95 and 586.5% above the Credit Services industry median of 10.40. OppFi's overall GF Score™ is 81/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year EBITDA Growth Rate calculated?
3-Year EBITDA Growth Rate is calculated from a company's financial statements. For OppFi (OPFI), the current 3-Year EBITDA Growth Rate is 71.40% as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is OppFi (OPFI) Overvalued in 2026?
Based on GuruFocus' analysis, OppFi stock appears to be overvalued.
The current stock price of $7.59 is trading 125.9% above its estimated GF Value™ of $3.36.
GuruFocus considers OppFi to be Significantly Overvalued.
Key valuation signals for OPFI:
3-Year EBITDA Growth Rate: 71.40% (40% above median its 10-year median of 50.95)
GF Value™: $3.36 vs. price of $7.59 (125.9% above fair value)
Industry Position: 586.5% above the Credit Services median (#33 of 328)
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 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.
81GF Score
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