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OppFiOPFI -0.53%80 Return-on-Tangible-Equity is 169.38% as of Mar. 2026, which is 199% above its 10-year median of 56.60. GuruFocus rates OPFI with a GF Score™ of 80/100 and a GF Value™ of $3.42 (Significantly Overvalued). The stock has 4 warning signs investors should review. Among 527 Credit Services companies, OppFi ranks better than 97.15% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. OppFi's annualized net income for the quarter that ended in Mar. 2026 was $113.6 Mil. OppFi's average shareholder tangible equity for the quarter that ended in Mar. 2026 was $67.1 Mil. Therefore, OppFi's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 169.38%.
The historical rank and industry rank for OppFi's Return-on-Tangible-Equity or its related term are showing as below:
OPFI'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: -20.21 Med: 56.6 Max: 150.6
Current: 150.6
During the past 7 years, OppFi's highest Return-on-Tangible-Equity was 150.60%. The lowest was -20.21%. And the median was 56.60%.
OPFI's Return-on-Tangible-Equity is ranked better than 97.15% of 527
companies
in the Credit Services industry
Industry Median: 7.05
vs OPFI: 150.60
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
OppFi Return-on-Tangible-Equity Related Terms
OppFi Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for OppFi's Return-on-Tangible-Equity 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.
OPFI vs NAVI, GDOT, PRAA: Return-on-Tangible-Equity Comparison
For the Credit Services subindustry, OppFi's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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 Return-on-Tangible-Equity vs Credit Services Industry
For the Credit Services industry and Financial Services sector, OppFi's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where OppFi's Return-on-Tangible-Equity 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.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 169.38% mean?
OppFi (OPFI) has a Return-on-Tangible-Equity of 169.38% as of Mar. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on OppFi and its competitors. This is 199% above median its historical median of 56.60. According to the industry distribution chart, OppFi ranks #15 out of 527 companies in the Credit Services industry, placing it in the top 2.8%.
Is OppFi's Return-on-Tangible-Equity too high?
OppFi's current Return-on-Tangible-Equity of 169.38% is 199% above median its 10-year median of 56.60. The Credit Services industry median Return-on-Tangible-Equity is 7.05. OppFi's value of 169.38% is 2302.6% above this industry median. Based on the distribution chart, OppFi ranks #15 out of 527 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 Return-on-Tangible-Equity compare to NAVI and GDOT?
According to the Credit Services industry distribution chart, OppFi ranks #15 out of 527 companies for Return-on-Tangible-Equity. This places OppFi in the top 3% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Equity is 7.05. OppFi's value of 169.38% is 2302.6% above this benchmark. While the company's 10-year median is 56.60 vs. the industry median of 7.05, 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 Return-on-Tangible-Equity for a Credit Services company?
The median Return-on-Tangible-Equity among Credit Services companies is 7.05, based on 527 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. OppFi's current Return-on-Tangible-Equity of 169.38% is 2302.6% 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on OppFi and its competitors. For the Credit Services industry, the median Return-on-Tangible-Equity is 7.05 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. OppFi's current Return-on-Tangible-Equity is 169.38%, which is 199% above median its own 10-year median of 56.60. 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 $3.42, compared to a current price of $9.37 — trading 174% above its estimated fair value. The current Return-on-Tangible-Equity is 169.38%, which is 199% above median its 10-year median of 56.60 and 2302.6% above the Credit Services industry median of 7.05. 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 Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For OppFi (OPFI), the current Return-on-Tangible-Equity is 169.38% 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 174% above its estimated GF Value™ of $3.42.
GuruFocus considers OppFi to be Significantly Overvalued.
Key valuation signals for OPFI:
Return-on-Tangible-Equity: 169.38% (199% above median its 10-year median of 56.60)
GF Value™: $3.42 vs. price of $9.37 (174% above fair value)
Industry Position: 2302.6% above the Credit Services median (#15 of 527)
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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Return-on-Tangible-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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