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Last update at 2024-11-20T20:38:00Z
OppFi Inc. (OPFI): Expanding Financial Access for Millions of Americans
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Mon 08 Jul 24, 07:07 PM| Breakdown | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 |
| Income before tax | 3.06M | 90.11M | 77.52M | 32.99M | 9.73M |
| Minority interest | 64.24M | 64.24M | - | - | - |
| Net income | 3.34M | 89.80M | 58.23M | 12.34M | 9.73M |
| Selling general administrative | 102.28M | 111.94M | 71.28M | 36.56M | 30.08M |
| Selling and marketing expenses | 58.29M | 52.46M | 18.64M | 11.35M | - |
| Gross profit | 379.83M | 275.45M | 239.19M | 205.44M | - |
| Reconciled depreciation | 13.58M | 10.28M | 6.73M | 4.28M | - |
| Ebit | 264.03M | 165.16M | 77.52M | 53.65M | - |
| Ebitda | 277.61M | 175.44M | 103.53M | 57.93M | - |
| Depreciation and amortization | 13.58M | 10.28M | 26.02M | 4.28M | - |
| Non operating income net other | 32.85M | 32.85M | - | - | - |
| Operating income | 264.03M | 165.16M | 77.52M | 53.65M | 10.24M |
| Other operating expenses | 186.51M | 183.09M | 192.27M | 173.69M | 206.42M |
| Interest expense | 32.79M | 21.95M | 19.28M | 20.65M | 11.98M |
| Tax provision | -0.27700M | 0.31M | 0.00000M | 0.00000M | - |
| Interest income | - | - | - | - | - |
| Net interest income | -35.16200M | -24.25600M | -21.22800M | -22.43600M | - |
| Extraordinary items | - | - | - | - | - |
| Non recurring | - | - | - | - | - |
| Other items | - | - | - | - | - |
| Income tax expense | -0.27700M | 0.31M | 19.28M | 20.65M | - |
| Total revenue | 452.86M | 350.57M | 291.01M | 229.12M | 114.25M |
| Total operating expenses | 186.51M | 183.09M | 192.27M | 173.69M | - |
| Cost of revenue | 73.03M | 75.11M | 51.82M | 23.68M | - |
| Total other income expense net | -260.96800M | -75.05700M | -21.22800M | -20.65100M | - |
| Discontinued operations | - | - | - | - | - |
| Net income from continuing ops | 89.80M | 89.80M | 77.52M | 32.99M | - |
| Net income applicable to common shares | 25.55M | 25.55M | 77.52M | 32.99M | 9.73M |
| Preferred stock and other adjustments | - | - | - | - | - |
| Breakdown | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 |
|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly |
| Date | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 |
| Total assets | 579.84M | 502.11M | 285.84M | 286.63M |
| Intangible assets | - | - | - | - |
| Earning assets | - | - | - | - |
| Other current assets | 33.98M | 37.30M | 20.06M | 19.19M |
| Total liab | 420.69M | 344.23M | 186.51M | 249.18M |
| Total stockholder equity | -0.49400M | -9.04000M | 99.33M | 37.45M |
| Deferred long term liab | 4.05M | 1.52M | 2.60M | 1.99M |
| Other current liab | 23.22M | 29.59M | 27.03M | 0.20M |
| Common stock | 0.01M | 0.01M | 0.24M | - |
| Capital stock | 0.01M | 0.01M | 6.66M | - |
| Retained earnings | -63.54600M | -70.72300M | 92.32M | 30.58M |
| Other liab | 27.51M | 70.21M | 4.24M | 4.98M |
| Good will | - | - | - | - |
| Other assets | 460.49M | 0.00044M | 7.38M | 7.07M |
| Cash | 16.24M | 25.06M | 25.60M | - |
| Cash and equivalents | 49.67M | 25.06M | 25.60M | 16.79M |
| Total current liabilities | 29.56M | 58.14M | 44.43M | 20.31M |
| Current deferred revenue | - | - | - | - |
| Net debt | 347.38M | 248.96M | 132.50M | - |
| Short term debt | 1.62M | 22.44M | 16.02M | 0.00000M |
| Short long term debt | - | 22.44M | 16.02M | - |
| Short long term debt total | 363.62M | 274.02M | 158.10M | - |
| Other stockholder equity | 63.04M | 61.67M | 0.35M | - |
| Property plant equipment | 14.64M | 14.64M | 10.56M | 6.57M |
| Total current assets | 510.16M | 450.47M | 267.90M | 272.99M |
| Long term investments | - | - | 243.38M | - |
| Net tangible assets | -9.04000M | 157.88M | 222.18M | 30.79M |
| Short term investments | - | - | 0.24M | - |
| Net receivables | 459.94M | 388.11M | 222.24M | 237.01M |
| Long term debt | 274.02M | 274.02M | 142.08M | 223.90M |
| Inventory | - | - | - | - |
| Accounts payable | 6.34M | 6.10M | 1.38M | 4.75M |
| Total permanent equity | - | - | - | - |
| Noncontrolling interest in consolidated entity | 166.92M | 166.92M | - | - |
| Temporary equity redeemable noncontrolling interests | - | - | - | - |
| Accumulated other comprehensive income | - | - | - | - |
| Additional paid in capital | - | - | - | - |
| Common stock total equity | 0.01M | 0.01M | 0.24M | - |
| Preferred stock total equity | - | - | - | - |
| Retained earnings total equity | -70.72300M | -70.72300M | -8.03845M | - |
| Treasury stock | - | - | - | - |
| Accumulated amortization | - | - | - | - |
| Non currrent assets other | 15.30M | 11.40M | 7.38M | - |
| Deferred long term asset charges | - | - | - | - |
| Non current assets total | 69.68M | 51.63M | 17.94M | - |
| Capital lease obligations | 16.56M | - | - | - |
| Long term debt total | 274.02M | 274.02M | 158.10M | 223.90M |
| Breakdown | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 |
| Investments | -185.09700M | -185.09700M | -98.31200M | -214.15000M | - |
| Change to liabilities | 11.66M | 11.66M | -3.37000M | 1.14M | 0.33M |
| Total cashflows from investing activities | -199.47000M | -199.47000M | -98.31200M | -214.15000M | -123.61437M |
| Net borrowings | 0.09M | 0.09M | -65.97300M | 89.81M | 77.41M |
| Total cash from financing activities | 61.26M | 48.83M | -84.12200M | 78.01M | 72.83M |
| Change to operating activities | -4.43500M | 3.25M | 12.47M | -0.54900M | -4.32231M |
| Net income | 3.34M | 89.80M | 77.52M | 32.99M | 9.73M |
| Change in cash | -12.69200M | 16.70M | 9.68M | 12.78M | 12.25M |
| Begin period cash flow | 62.36M | 45.66M | 35.98M | 23.20M | - |
| End period cash flow | 49.67M | 62.36M | 45.66M | 35.98M | 23.20M |
| Total cash from operating activities | 243.30M | 167.35M | 192.11M | 148.92M | 63.03M |
| Issuance of capital stock | - | - | - | - | - |
| Depreciation | 13.58M | 10.28M | 6.73M | 4.28M | 2.42M |
| Other cashflows from investing activities | -303.99400M | -185.09700M | -9.90500M | -14.87000M | -8.86420M |
| Dividends paid | 1.31M | 51.02M | 15.78M | 9.48M | 2.35M |
| Change to inventory | - | - | - | - | - |
| Change to account receivables | -2.00000M | - | 0.00000M | - | - |
| Sale purchase of stock | -2.46000M | 0.20M | 0.00000M | - | - |
| Other cashflows from financing activities | 88.34M | 103.85M | 3.98M | 87.50M | -2.23492M |
| Change to netincome | -23.00200M | -23.00200M | 90.93M | 114.32M | 58.49M |
| Capital expenditures | 13.25M | 14.37M | 10.72M | 6.64M | 4.10M |
| Change receivables | -2.75100M | -2.75100M | - | - | - |
| Cash flows other operating | 81.36M | 81.36M | - | - | - |
| Exchange rate changes | - | - | - | - | - |
| Cash and cash equivalents changes | 16.70M | 16.70M | - | - | - |
| Change in working capital | -9.34500M | 3.94M | 14.99M | -4.46200M | -8.10979M |
| Stock based compensation | 3.35M | 3.01M | 0.14M | 0.07M | - |
| Other non cash items | 232.96M | 60.86M | 1.95M | 1.78M | - |
| Free cash flow | 230.05M | 152.97M | 181.39M | 142.28M | - |
Sector: Financial Services Industry: Credit Services
| Company | Change (USD) | Price (USD) | Trailing PE (x) | Forward PE (x) | Price Sales TTM (x) | Price to Book Value (x) | Enterprise Value to Revenue (x) | Enterprise Value to EBITDA (x) |
|---|---|---|---|---|---|---|---|---|
| OPFI OppFi Inc |
-0.0902 1.27% | 7.04 | 13.17 | - | 2.29 | 6.92 | 0.82 | 4.64 |
| V Visa Inc. Class A |
-4.46 1.43% | 307.39 | 31.25 | 25.97 | 16.18 | 13.64 | 16.19 | 23.37 |
| MA Mastercard Inc |
-6.82 1.31% | 512.64 | 37.04 | 29.50 | 16.14 | 62.35 | 16.47 | 27.24 |
| AXP American Express Company |
2.16 0.76% | 287.71 | 17.39 | 14.58 | 2.42 | 4.82 | ||
| PYPL PayPal Holdings Inc |
0.65 0.77% | 84.74 | 15.53 | 12.61 | 2.28 | 3.23 | 2.14 | 9.31 |
OppFi Inc. operates a financial technology platform that allows banks to offer lending products. Its platform facilitates the OppLoans, an installment loan product; SalaryTap, a payroll deduction secured installment loan product; and OppFi Card, a credit card product. The company was founded in 2012 and is headquartered in Chicago, Illinois.
130 East Randolph Street, Chicago, IL, United States, 60601
| Name | Title | Year Born |
|---|---|---|
| Mr. Todd G. Schwartz | Founder, CEO & Chairman | 1983 |
| Mr. Theodore G. Schwartz | Co-Founder & Director | 1954 |
| Ms. Pamela D. Johnson | CFO, Chief Accounting Officer and Principal Financial & Accounting Officer | 1962 |
| Mr. Manuel Chagas | Chief Operating Officer | NA |
| Mr. Shaun Smolarz | Head of Investor Relations | NA |
| Ms. Stacee Hasenbalg | Chief Compliance Officer | NA |
| Mr. Marv Gurevich | Gen. Counsel | NA |
| Wendy Serafin | Sr. VP of Communications | NA |
| Mr. Christopher McKay | Chief Risk & Analytics Officer | 1977 |
| Mr. Ray Chay | Sr. VP of Product & Operations | NA |
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