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OppFiOPFI -0.53%80 PB Ratio is 3.27 as of Aug. 01, 2026, which is 32% below its 10-year median of 4.84. 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 525 Credit Services companies, OppFi ranks worse than 86.86% on this metric.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. As of today (2026-08-01), OppFi's share price is $9.37. OppFi's Book Value per Share for the quarter that ended in Mar. 2026 was $2.86. Hence, OppFi's PB Ratio of today is 3.27.
The historical rank and industry rank for OppFi's PB Ratio or its related term are showing as below:
OPFI'
s PB Ratio Range Over the Past 10 Years
Min: 0.4 Med: 4.84 Max: 28.64
Current: 3.28
During the past 7 years, OppFi's highest PB Ratio was 28.64. The lowest was 0.40. And the median was 4.84.
OPFI's PB Ratio is ranked worse than 86.86% of 525
companies
in the Credit Services industry
Industry Median: 1.06
vs OPFI: 3.28
During the past 12 months, OppFi's average Book Value Per Share Growth Rate was 221.20% per year.
During the past 7 years, the highest 3-Year average Book Value Per Share Growth Rate of OppFi was -57.40% per year. The lowest was -57.40% per year. And the median was -57.40% per year.
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
OppFi PB Ratio Related Terms
OppFi PB Ratio Historical Data
* Premium members only.
The historical data trend for OppFi's PB Ratio 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 PB Ratio, along with its competitors' market caps and PB Ratio 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 PB Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, OppFi's PB Ratio distribution charts can be found below:
* The bar in red indicates where OppFi's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
OppFi's PB Ratio for today is calculated as follows:
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
OppFi (OPFI) has a PB Ratio of 3.27 as of Aug. 01, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on OppFi and its competitors. This is 32% below median its historical median of 4.84. Over the past decade, OppFi's PB Ratio has ranged from 0.40 to 28.64. According to the industry distribution chart, OppFi ranks #456 out of 525 companies in the Credit Services industry, placing it in the top 86.9%.
Is OppFi's PB Ratio too high?
OppFi's current PB Ratio of 3.27 is 32% below median its 10-year median of 4.84. Over the past 10 years, this metric has ranged from a low of 0.40 to a high of 28.64. The Credit Services industry median PB Ratio is 1.06. OppFi's value of 3.27 is 208.5% above this industry median. Based on the distribution chart, OppFi ranks #456 out of 525 companies in the Credit Services industry, which is in the bottom quartile 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 PB Ratio compare to NAVI and GDOT?
According to the Credit Services industry distribution chart, OppFi ranks #456 out of 525 companies for PB Ratio. This places OppFi in the lower half of its industry. The industry median PB Ratio is 1.06. OppFi's value of 3.27 is 208.5% above this benchmark. Historically, OppFi's own PB Ratio has ranged from 0.40 to 28.64 over the past decade. While the company's 10-year median is 4.84 vs. the industry median of 1.06, 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 PB Ratio for a Credit Services company?
The median PB Ratio among Credit Services companies is 1.06, based on 525 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. OppFi's current PB Ratio of 3.27 is 208.5% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on OppFi and its competitors. For the Credit Services industry, the median PB Ratio is 1.06 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. OppFi's current PB Ratio is 3.27, which is 32% below median its own 10-year median of 4.84. 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 PB Ratio is 3.27, which is 32% below median its 10-year median of 4.84 and 208.5% above the Credit Services industry median of 1.06. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For OppFi (OPFI), the current PB Ratio is 3.27 as of Aug. 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 $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:
PB Ratio: 3.27 (32% below median its 10-year median of 4.84)
GF Value™: $3.43 vs. price of $9.37 (173.2% above fair value)
Industry Position: 208.5% above the Credit Services median (#456 of 525)
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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