OPFIOppFi Inc.

$5.42-43% 1Y

$5.42

$5.4252 weeks$11.38

Is the business good?

Mixed

The checks split: margins widening, but returns that lean on debt.

1 good, 1 to watch, 2 without data

Margin direction, 3 years+35.5 pts

Operating margin has widened over the past few years, the business is getting more profitable per dollar of sales.

Where ROE comes from6.2× leverage

Leverage-amplified, a high assets-to-equity ratio does much of the work. ROE 41% = margin × turnover × leverage.

All from derived.

Where this answer is blind. The F-score rewards improvement, so an already-elite company can score mid-pack.

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