SharesGrow 7-Criteria Score
All 7 criteria scored · valuation-related highlighted on this page
OppFi Inc. (OPFI) trades at a trailing P/E of 8.0, forward P/E of 4.8. Trailing earnings yield is 12.45%, forward earnings yield 21.05%. PEG 0.05 (Peter Lynch undervalued ≤1.0). Graham Number is $16.14.
Criteria proven by this page:
- VALUE (75/100, Pass) — P/E is below market average (8.0); PEG ≤ 1.0 — Peter Lynch undervalued (0.05); earnings yield beats bond yields (12.45%).
- Forward P/E 4.8 (down from trailing 8.0) — analysts expect earnings to grow, which would improve the valuation.
- PEG Ratio 0.05 — below 1.0 suggests the stock is undervalued relative to its earnings growth rate (Peter Lynch criterion).
- Trailing Earnings Yield 12.45% — exceeds typical bond yields (~4.3%), making equity attractive vs fixed income. Forward yield improves to 21.05% as earnings recover.
- Analyst consensus target $7.25 (-14.4% downside) — slight downside risk — the market may be ahead of analyst expectations.
Overall SharesGrow Score: 61/100 with 2/7 criteria passed.
SharesGrow 7-Criteria Score
✓
VALUE
75/100
Price-to-Earnings & upside
Proven by this page
~
HEALTH
50/100
Debt-to-Equity & liquidity
→ Health
Valuation Snapshot — OPFI
Valuation Multiples
P/E (TTM)8.0
Forward P/E4.8
PEG Ratio0.05
Forward PEG0.06
P/B Ratio3.62
P/S Ratio1.15
EV/EBITDA4.7
Per Share Data
EPS (TTM)$0.99
Forward EPS (Est.)$1.78
Book Value / Share$11.65
Revenue / Share$22.52
FCF / Share$14.60
Yields & Fair Value
Earnings Yield12.45%
Forward Earnings Yield21.05%
Dividend Yield0.00%
Graham Number$16.14
SharesGrow IV$82.34 (+872.1%)
Analyst Target$7.25 (-14.4%)
Historical Valuation
| Year |
P/E (TTM) |
PEG Ratio |
P/B Ratio |
P/S Ratio |
Dividend Yield |
| 2018 |
13.1 |
0.00 |
0.00 |
2.35 |
1.84% |
| 2019 |
3.9 |
0.02 |
3.41 |
1.19 |
7.42% |
| 2020 |
1.7 |
0.01 |
1.33 |
0.45 |
11.94% |
| 2021 |
2.3 |
-0.03 |
-6.64 |
0.17 |
85.03% |
| 2022 |
4.0 |
-0.05 |
-57.74 |
0.06 |
4.59% |
| 2023 |
-83.5 |
0.75 |
8.04 |
0.16 |
12.19% |
| 2024 |
21.3 |
-0.03 |
4.71 |
0.29 |
1.54% |
| 2025 |
10.5 |
0.06 |
4.74 |
0.46 |
23.41% |
P/E Ratio & Earnings Yield
Earnings Per Share (EPS) History
| Year |
EPS (Diluted) |
Revenue |
Net Income |
Net Margin |
| 2018 |
$0.00 |
$54.38M |
$9.73M |
17.9% |
| 2019 |
$2.54 |
$229.12M |
$33M |
14.4% |
| 2020 |
$5.97 |
$291.01M |
$77.52M |
26.6% |
| 2021 |
$0.48 |
$350.57M |
$25.55M |
7.3% |
| 2022 |
$0.51 |
$452.86M |
$7.1M |
1.6% |
| 2023 |
$-0.06 |
$508.95M |
$-1.01M |
-0.2% |
| 2024 |
$0.36 |
$525.96M |
$7.26M |
1.4% |
| 2025 |
$0.99 |
$597.05M |
$26.33M |
4.4% |
Analyst Estimates
| Year |
EPS (Avg) |
EPS Range |
Revenue (Avg) |
Revenue Range |
Analysts |
| 2026 |
$1.78 |
$1.77 – $1.79 |
$661.93M |
$661.91M – $661.94M |
3 |
| 2027 |
$2.02 |
$2.01 – $2.03 |
$734.39M |
$732.27M – $737.31M |
2 |
