OPFI
OppFi
PE ratio, current and historical analysis
- Stocks
- Financial Services
- NYSE: OPFI
- PE Ratio
As of Jun 3, 2026, the OppFi stock's P/E ratio is 3.35. This takes into account the latest EPS of $2.39 and stock price of $8.
OPFI PE ratio history
The PE ratio of OppFi has averaged 7.42 over the last five years. The current price-to-earnings ratio of 3.35 is 55% less than the historical average. Analyzing the last five years, OPFI's PE ratio reached its highest point in the Dec 2024 quarter at 21.28, when the price was $7.66 and the EPS was $0.36. The lowest point was recorded in the Jun 2022 quarter, when it reached 1.46 with a price of $3.29 and an EPS of $2.25.
OppFi PE ratio by year
Maximum annual increase: 71.06% in 2022
Maximum annual decrease: -50.33% in 2025
| Year | PE ratio | PE change | Price | EPS |
|---|---|---|---|---|
| 2025 | 10.57 | -50.33% | $10.46 | $0.99 |
| 2024 | 21.28 | N/A | $7.66 | $0.36 |
| 2023 | N/A | N/A | $5.12 | -$0.06 |
| 2022 | 4.02 | 71.06% | $2.05 | $0.51 |
| 2021 | 2.35 | N/A | $4.54 | $1.93 |
| 2020 | N/A | N/A | $10.18 | $0 |
| 2019 | N/A | N/A | N/A | $0 |
| 2018 | N/A | N/A | N/A | N/A |
OppFi PE ratio by quarter (TTM)
| Year | PE ratio | PE change | Price | EPS |
|---|---|---|---|---|
| Mar 2026 | 3.23 | -69.44% | $7.71 | $2.39 |
| Dec 2025 | 10.57 | N/A | $10.46 | $0.99 |
| Sep 2025 | N/A | N/A | $11.33 | -$0.07 |
| Jun 2025 | N/A | N/A | $13.99 | -$1.34 |
| Mar 2025 | N/A | N/A | $9.3 | -$0.4 |
| Dec 2024 | 21.28 | 39.45% | $7.66 | $0.36 |
| Sep 2024 | 15.26 | 3.53% | $4.73 | $0.31 |
| Jun 2024 | 14.74 | 23.87% | $3.39 | $0.23 |
| Mar 2024 | 11.9 | N/A | $2.5 | $0.21 |
| Dec 2023 | N/A | N/A | $5.12 | -$0.06 |
| Sep 2023 | 4.94 | -17.67% | $2.52 | $0.51 |
| Jun 2023 | 6 | 34.53% | $2.04 | $0.34 |
| Mar 2023 | 4.46 | 10.95% | $2.05 | $0.46 |
| Dec 2022 | 4.02 | 101% | $2.05 | $0.51 |
| Sep 2022 | 2 | 36.99% | $2.3 | $1.15 |
OPFI Price vs fair value
OPFI average PE ratio chart
What this chart measures
The Historical Valuation Regime chart shows where the stock's current valuation sits relative to its own historical valuation range over the selected lookback period.
This is a history-relative tool, not a market-relative percentile. It does not compare the stock to other companies. Instead, it compares each historical valuation reading to the stock's own past readings.
Percentile logic
The threshold lines are calculated them from the stock's real historical values using percentile interpolation. That is why some colored bands are narrow while others are wide: the band widths reflect how the stock actually traded through time.
Regime map
| Historical percentile | Regime | Chart meaning |
|---|---|---|
| 0-10 | Historically Low | Deep cheap zone |
| >10-25 | Below Average | Cheap relative to history |
| >25-75 | Average | Within the normal historical range |
| >75-90 | Above Average | Expensive relative to history |
| >90-100 | Historically High | Extreme or stretched valuation |
How to read each part
| Chart element | What it tells you |
|---|---|
| Main line | The actual historical valuation values over time for the selected metric. |
| Dashed horizontal lines | The stock's computed P10, P25, Median, P75, and P90 thresholds for the selected period. |
| Colored bands | The historical valuation zones between those thresholds. |
| Metric boxes | Current ratio, historical median, current percentile, and current regime. |
| Timeline strip | A condensed regime history showing how the stock moved between cheap, fair, and expensive states across each observation. |
Important metric definitions
Current Percentile is the percentile rank of the latest valid historical observation within the selected lookback range.
Current Regime is assigned directly from the latest observation's percentile bucket using the fixed 10 / 25 / 75 / 90 cutoffs shown above.
How to use it well
This chart is most useful for answering a narrow question: Is this stock trading high, low, or normal relative to its own history? It works best alongside growth, profitability, and forward-looking business analysis, because a stock can deserve a higher or lower regime if its business quality has changed.
Currently, OPFI's PE ratio is under its 3 and 5-year averages.
PE comparison
With a price to earnings (P/E) of 3.35, OPFI stands lower than the Financial Services sector and the industry average. Looking at the Financial Services sector average of 12.1, OppFi's price to earnings (P/E) is 72% lower.
OPFI PE vs peers
OPFI's PE ratio is below its peer stock PHR.
| Stock name | PE ratio | Market cap |
|---|---|---|
| OPFI OppFi Inc | 3.54 | $721.57M |
| PHR Phreesia Inc | 64.6 | $598.96M |
| PHUN Phunware Inc | N/A | $41.1M |
Frequently asked questions
What is OppFi's PE ratio?
As of Jun 3, 2026, OPFI stock has a price to earnings ratio of 3.35.
What is the 3-year average PE ratio for OppFi (OPFI)?
The average PE ratio for OPFI stock over the past 3 years is 10.99.
What is the 5-year average PE ratio for OppFi (OPFI)?
The average PE ratio for OPFI stock over the past 5 years is 7.42.
What is the highest PE ratio for OPFI?
Over the last five years, the quarterly PE ratio reached its highest level at 21.28 in the Dec 2024 quarter.
How does the current PE ratio for OPFI compare to its historical average?
OPFI's price to earnings ratio is currently 55% below its 5-year historical average.
Why is OppFi's PE ratio so low?
OPFI's PE ratio is low because its earnings per share (EPS) is high relative to its stock price.
How is OPFI's PE ratio calculated (OppFi PE ratio formula)?
You can calculate the P/E ratio by dividing the most recent stock price by the trailing twelve months earnings per share(EPS). As of today (Jun 3, 2026), OppFi's share price is $8. The company's earnings per share for the trailing twelve months (TTM) ending Mar 2026 is $2.39. Therefore, OppFi's price to earnings ratio for today is 3.35. PE RATIO(3.35) = STOCK PRICE($8) / TTM EPS($2.39)
All PE ratio stats are based on quarterly TTM periods, unless otherwise specified.