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OppFiOPFI +0.42%82 EV-to-EBIT is 2.15 as of Aug. 16, 2026, which is 9% below its 10-year median of 2.37. GuruFocus rates OPFI with a GF Score™ of 82/100 and a GF Value™ of $3.56 (Significantly Overvalued). The stock has 2 warning signs investors should review. Among 316 Credit Services companies, OppFi ranks better than 93.35% on this metric.
EV-to-EBIT is calculated as Enterprise Value divided by its EBIT. As of today, OppFi's Enterprise Value is $832.6 Mil.
OppFi's EBIT for the trailing twelve months (TTM) ended in Jun. 2026 was $386.9 Mil. Therefore, OppFi's EV-to-EBIT for today is 2.15.
The historical rank and industry rank for OppFi's EV-to-EBIT or its related term are showing as below:
OPFI'
s EV-to-EBIT Range Over the Past 10 Years
Min: 0.84 Med: 2.37 Max: 16.08
Current: 2.15
During the past 7 years, the highest EV-to-EBIT of OppFi was 16.08. The lowest was 0.84. And the median was 2.37.
OPFI's EV-to-EBIT is ranked better than 93.35% of 316
companies
in the Credit Services industry
Industry Median: 22.425
vs OPFI: 2.15
This is a more accurate valuation of companies' operation because it considers the debt and cash on its balance sheet, and non-operating items such as interest payment, tax, and one-time items are not included in the Operating Income.
OppFi's Enterprise Value for the quarter that ended in Jun. 2026 was $1,069.6 Mil.
OppFi's EBIT for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $386.9 Mil.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
OppFi EV-to-EBIT Related Terms
OppFi EV-to-EBIT Historical Data
* Premium members only.
The historical data trend for OppFi's EV-to-EBIT can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Credit Services subindustry, OppFi's EV-to-EBIT, along with its competitors' market caps and EV-to-EBIT 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 EV-to-EBIT vs Credit Services Industry
For the Credit Services industry and Financial Services sector, OppFi's EV-to-EBIT distribution charts can be found below:
* The bar in red indicates where OppFi's EV-to-EBIT falls into.
OppFi's current Enterprise Value is $832.6 Mil.
OppFi's EBIT for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $386.9 Mil.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
OppFi (OPFI) has a EV-to-EBIT of 2.15 as of Aug. 16, 2026. EV to EBIT ratio is the inverse of Joel Greenblatt's earnings yield definition. View historical data on OppFi and its competitors. This is near median its historical median of 2.37. Over the past decade, OppFi's EV-to-EBIT has ranged from 0.84 to 16.08. According to the industry distribution chart, OppFi ranks #21 out of 316 companies in the Credit Services industry, placing it in the top 6.6%.
Is OppFi's EV-to-EBIT too high?
OppFi's current EV-to-EBIT of 2.15 is near median its 10-year median of 2.37. Over the past 10 years, this metric has ranged from a low of 0.84 to a high of 16.08. The Credit Services industry median EV-to-EBIT is 22.43. OppFi's value of 2.15 is 90.4% below this industry median. Based on the distribution chart, OppFi ranks #21 out of 316 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 82/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does OppFi's EV-to-EBIT compare to NAVI and GDOT?
According to the Credit Services industry distribution chart, OppFi ranks #21 out of 316 companies for EV-to-EBIT. This places OppFi in the top 7% of its industry — outperforming the majority of peers. The industry median EV-to-EBIT is 22.43. OppFi's value of 2.15 is 90.4% below this benchmark. Historically, OppFi's own EV-to-EBIT has ranged from 0.84 to 16.08 over the past decade. While the company's 10-year median is 2.37 vs. the industry median of 22.43, OppFi has consistently been below 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 EV-to-EBIT for a Credit Services company?
The median EV-to-EBIT among Credit Services companies is 22.43, based on 316 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-EBIT significantly above this median, while those in the bottom quartile fall well below. However, EV-to-EBIT should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. OppFi's current EV-to-EBIT of 2.15 is 90.4% below 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 EV-to-EBIT mean?
A high EV-to-EBIT can signal that a stock is expensive relative to its fundamentals. EV to EBIT ratio is the inverse of Joel Greenblatt's earnings yield definition. View historical data on OppFi and its competitors. For the Credit Services industry, the median EV-to-EBIT is 22.43 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. OppFi's current EV-to-EBIT is 2.15, which is near median its own 10-year median of 2.37. 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 $3.56, compared to a current price of $7.16 — trading 101.1% above its estimated fair value. The current EV-to-EBIT is 2.15, which is near median its 10-year median of 2.37 and 90.4% below the Credit Services industry median of 22.43. OppFi's overall GF Score™ is 82/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-EBIT calculated?
EV-to-EBIT is calculated from a company's financial statements. For OppFi (OPFI), the current EV-to-EBIT is 2.15 as of Aug. 16, 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 $7.16 is trading 101.1% above its estimated GF Value™ of $3.56.
GuruFocus considers OppFi to be Significantly Overvalued.
Key valuation signals for OPFI:
EV-to-EBIT: 2.15 (near median its 10-year median of 2.37)
GF Value™: $3.56 vs. price of $7.16 (101.1% above fair value)
Industry Position: 90.4% below the Credit Services median (#21 of 316)
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.
82GF Score
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EV-to-EBIT is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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