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OppFiOPFI -0.53%80 FCF Margin % is 56.38% as of Mar. 2026, which is 5% below its 10-year median of 59.09. GuruFocus rates OPFI with a GF Score™ of 80/100 and a GF Value™ of $3.43 (Significantly Overvalued). The stock has 4 warning signs investors should review. Among 534 Credit Services companies, OppFi ranks better than 83.15% on this metric.
FCF Margin % is calculated as Free Cash Flow divided by its Revenue. OppFi's Free Cash Flow for the
three
months ended in Mar. 2026 was $85.6 Mil. OppFi's Revenue for the
three
months ended in Mar. 2026 was $151.9 Mil. Therefore, OppFi's FCF Margin % for the quarter that ended in Mar. 2026 was 56.38%.
The historical data trend for OppFi's FCF Margin % 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 FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, OppFi's FCF Margin % distribution charts can be found below:
* The bar in red indicates where OppFi's FCF Margin % falls into.
* 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 FCF Margin % of 56.38% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on OppFi and its competitors. This is near median its historical median of 59.09. Over the past decade, OppFi's FCF Margin % has ranged from 43.64 to 64.01. According to the industry distribution chart, OppFi ranks #90 out of 534 companies in the Credit Services industry, placing it in the top 16.9%.
Is OppFi's FCF Margin % too high?
OppFi's current FCF Margin % of 56.38% is near median its 10-year median of 59.09. Over the past 10 years, this metric has ranged from a low of 43.64 to a high of 64.01. The Credit Services industry median FCF Margin % is 0.30. OppFi's value of 56.38% is 19011.9% above this industry median. Based on the distribution chart, OppFi ranks #90 out of 534 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 80/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does OppFi's FCF Margin % compare to NAVI and GDOT?
According to the Credit Services industry distribution chart, OppFi ranks #90 out of 534 companies for FCF Margin %. This places OppFi in the top 17% of its industry — outperforming the majority of peers. The industry median FCF Margin % is 0.30. OppFi's value of 56.38% is 19011.9% above this benchmark. Historically, OppFi's own FCF Margin % has ranged from 43.64 to 64.01 over the past decade. While the company's 10-year median is 59.09 vs. the industry median of 0.30, 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 FCF Margin % for a Credit Services company?
The median FCF Margin % among Credit Services companies is 0.30, based on 534 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. OppFi's current FCF Margin % of 56.38% is 19011.9% 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on OppFi and its competitors. For the Credit Services industry, the median FCF Margin % is 0.30 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. OppFi's current FCF Margin % is 56.38%, which is near median its own 10-year median of 59.09. 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 $9.37 — trading 173.2% above its estimated fair value. The current FCF Margin % is 56.38%, which is near median its 10-year median of 59.09 and 19011.9% above the Credit Services industry median of 0.30. OppFi's overall GF Score™ is 80/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For OppFi (OPFI), the current FCF Margin % is 56.38% as of Mar. 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 $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:
FCF Margin %: 56.38% (near median its 10-year median of 59.09)
GF Value™: $3.43 vs. price of $9.37 (173.2% above fair value)
Industry Position: 19011.9% above the Credit Services median (#90 of 534)
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.
80GF Score
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FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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