OppFi Inc. cash flow to debt ratio of 120.59% indicates that the company generates enough cash to cover a substantial portion of its debt. This level indicates very strong financial health.

OppFi Inc.'s free cash flow has increased 22.97% from $310.80M last year to $382.19M, signaling increasing performance

OppFi Inc.'s debt to equity ratio is 0.00, which means that the company's assets are healthy financed, signaling financial stability.

OppFi Inc.'s debt has decreased relative to shareholder equity from 10.13 last year to 0.00 today, signaling strengthened financials

OppFi Inc. has a net debt to EBITDA ratio of 1.41x, which is below the 3.00x threshold, indicating healthy leverage and financial stability

OppFi Inc. earns at least as much interest as it pays. Interest obligations are fully covered.

OppFi Inc.'s profit margin has increased (1.23K%) in the last year from 1.38% to 18.42%, signaling increasing performance

OppFi Inc.'s short-term assets of $639.50M exceed its short-term liabilities of $85.98M

OppFi Inc.'s return on assets of 13.20% is higher than the 5.00% threshold, indicating efficient asset utilization

OppFi Inc.'s return on equity of 68.06%, is higher than 15.00%, indicating good performance

OppFi Inc.'s operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation

OppFi Inc. had positive net income in 4 out of 5 years, indicating stable and consistent earnings

OppFi Inc. has positive free cash flow, indicating the company generates cash after capital expenditures

OppFi Inc. has a free cash flow yield of 51.03%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

OppFi Inc.'s yearly earnings has increased 262.76% since last year from $7.26M to $26.33M, signaling increasing performance

OppFi Inc.'s yearly revenue has decreased 27.53% since last year from $525.96M to $381.18M, signaling decreasing performance

ROIC 84.04% (Source: FMP key-metrics). At or above the 10% threshold. Score: 2 of 2. The company is generating returns above the upper end of the typical US weighted-average cost of capital range under this definition of invested capital.

OppFi Inc.'s 3-year revenue CAGR of 9.65% is positive, indicating growing revenue over the past 3 years

OppFi Inc. had revenue growth in 5 out of 5 years, indicating consistent revenue performance

OppFi Inc. had positive ROE in only 2 out of 5 years, indicating inconsistent returns on equity

OppFi Inc. is undervalued relative to its fair value price of 75.71 based on Discounted Cash Flow model

OppFi Inc. has an earnings yield of 17.18%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

OppFi Inc. is undervalued relative to its fair value price of 13.42 based on EBITDA multiple model

OppFi Inc. has an EV/EBITDA ratio of 5.14x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings

OppFi Inc. has insufficient data to evaluate this check.

OppFi Inc.'s earnings growth over the measurement period is negative; the PEG ratio is not meaningful and the check fails.

OppFi Inc. has a price-to-book ratio of 1.43x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

OppFi Inc. has a price-to-sales ratio of 1.07x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue