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OppFiOPFI -1.98%82 EV-to-OCF is 2.01 as of Sep. 01, 2026, which is 10% below its 10-year median of 2.24. GuruFocus rates OPFI with a GF Score™ of 82/100 and a GF Value™ of $3.43 (Significantly Overvalued). The stock has 2 warning signs investors should review. Among 543 Credit Services companies, OppFi ranks worse than 54.7% on this metric.
EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, OppFi's Enterprise Value is $813.0 Mil.
OppFi's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 was $404.8 Mil. Therefore, OppFi's EV-to-OCF for today is 2.01.
The historical rank and industry rank for OppFi's EV-to-OCF or its related term are showing as below:
OPFI'
s EV-to-OCF Range Over the Past 10 Years
Min: 0.61 Med: 2.24 Max: 5.98
Current: 2.01
During the past 7 years, the highest EV-to-OCF of OppFi was 5.98. The lowest was 0.61. And the median was 2.24.
OPFI's EV-to-OCF is ranked worse than 54.7% of 543
companies
in the Credit Services industry
Industry Median: -0.08
vs OPFI: 2.01
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
As of today (2026-09-01), OppFi's stock price is $6.93.
OppFi's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 was $2.140. Therefore, OppFi's PE Ratio (TTM) for today is 3.24.
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
OppFi's share price for today is $6.93.
OppFi's Earnings per Share (Diluted) 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 $2.140.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
OppFi EV-to-OCF Related Terms
OppFi EV-to-OCF Historical Data
* Premium members only.
The historical data trend for OppFi's EV-to-OCF 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-OCF, along with its competitors' market caps and EV-to-OCF 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-OCF vs Credit Services Industry
For the Credit Services industry and Financial Services sector, OppFi's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where OppFi's EV-to-OCF falls into.
OppFi's current Enterprise Value is $813.0 Mil.
OppFi's Cash Flow from Operations 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 $404.8 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-OCF of 2.01 as of Sep. 01, 2026. This is 10% below median its historical median of 2.24. Over the past decade, OppFi's EV-to-OCF has ranged from 0.61 to 5.98. According to the industry distribution chart, OppFi ranks #297 out of 543 companies in the Credit Services industry, placing it in the top 54.7%.
Is OppFi's EV-to-OCF too high?
OppFi's current EV-to-OCF of 2.01 is 10% below median its 10-year median of 2.24. Over the past 10 years, this metric has ranged from a low of 0.61 to a high of 5.98. Based on the distribution chart, OppFi ranks #297 out of 543 companies in the Credit Services industry, which is below the industry midpoint. 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-OCF compare to PRAA and GDOT?
According to the Credit Services industry distribution chart, OppFi ranks #297 out of 543 companies for EV-to-OCF. This places OppFi in the lower half of its industry. Historically, OppFi's own EV-to-OCF has ranged from 0.61 to 5.98 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-OCF for a Credit Services company?
A good EV-to-OCF depends on the Credit Services industry context. However, EV-to-OCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. OppFi's current EV-to-OCF is 2.01, which is 10% below median its own 10-year median of 2.24. 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 $3.43, compared to a current price of $6.93 — trading 102% above its estimated fair value. The current EV-to-OCF is 2.01, which is 10% below median its 10-year median of 2.24. 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-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For OppFi (OPFI), the current EV-to-OCF is 2.01 as of Sep. 01, 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 $6.93 is trading 102% above its estimated GF Value™ of $3.43.
GuruFocus considers OppFi to be Significantly Overvalued.
Key valuation signals for OPFI:
EV-to-OCF: 2.01 (10% below median its 10-year median of 2.24)
GF Value™: $3.43 vs. price of $6.93 (102% above fair value)
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
Get the complete analysis for OPFI
EV-to-OCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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