Event-Driven Stocks

OppFi Inc.

OPFINYSE

Financials · Finance Services · SEC filings ↗ · Compare ⊕

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Signs● 3 gooddetails ↓

Financials

SEC XBRL · annual
 FY25FY24FY23FY22FY21FY20
Revenue——————
Operating income$166.7M$94.5M$46.4M−$6.3M$57.3M$77.5M
Net income$26.3M$7.3M−$1.0M$7.1M$25.6M−$185,637
Total assets$754.1M$641.2M$601.5M$579.8M$502.1M$285.8M
Total liabilities$445.2M$407.0M$407.5M$420.7M$344.2M$186.5M
Equity$58.5M$32.8M$10.4M−$494,000−$9.0M$0
EPS (diluted)$0.99$0.36$-0.06$0.05$0.48$0.00
Shares out.26.5M20.1M16.4M84.3M13.6M0

Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.

Key ratios

from filings · FY2025
Operating margin
—
Net margin
—
Return on equity
45.0%
Return on assets
3.5%
Return on capital (ROCE)
—
Liabilities / assets
59.0%
Debt / equity
7.61×
Book value / share
$2.21
Revenue growth (YoY)
—
Net income growth (YoY)
262.8%

Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.

Financial health

forensic scores · FY2025
Accruals / assets
−49.7%clean
Piotroski F-Score
5/6mixed

Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.

Quality score

EDS Score
93
/ 100
Profitability 100Growth 100Catalyst 67Earnings quality 100Financial strength 100

Our own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast. What these scores mean →

Signs

● 3 good
  • Strong return on equity (>15%)
  • Positive operating cash flow
  • Clean earnings (low accruals)

Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.

5%+ owners

SEC Schedule 13D / 13G · last 3 yrs

Holders who disclosed a 5%+ stake. 13D signals intent to influence or control; 13G is a passive holding. Latest filing per holder — open it for the exact stake.

Short interest

FINRA · bi-monthly
SettlementShares shortDays to coverΔ vs prior
May 15, 20263.1M3.5-2.6%
Apr 30, 20263.2M7.1+7.6%
Apr 15, 20262.9M8.2-1.9%
Mar 31, 20263.0M6.8-12.9%
Mar 13, 20263.4M6.0-10.2%

Shares sold short as reported to FINRA. Days-to-cover = short shares ÷ average daily volume — higher means more potential squeeze pressure.

Material events

SEC Form 8-K · most recent

Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.

Recent SEC filings

All filings ↗

Event-driven situations (4)

Spot an error in this record? Report it. Every correction is verified against the source filing before we change anything.