What is OppFi Inc. worth?
With the base-case assumptions below, a discounted cash flow model on OppFi Inc.'s reported free cash flow gives $437.07 per share. The share price was $5.98 on November 10, 2026, 99% below that value.
Inputs from the filings
Three sets of assumptions
| Case | Growth yrs 1-5 | Discount rate | Value per share | Value vs price |
|---|---|---|---|---|
| Bear | 8.5% | 10.0% | $271.85 | +4,446% |
| Base | 13.5% | 9.0% | $437.07 | +7,209% |
| Bull | 18.5% | 8.0% | $766.20 | +12,713% |
Sensitivity: base case value per share
| 1.5% | 2.0% | 2.5% | 3.0% | 3.5% | |
|---|---|---|---|---|---|
| 7.0% | $564.15 | $603.62 | $651.85 | $712.15 | $789.67 |
| 8.0% | $468.81 | $494.40 | $524.65 | $560.94 | $605.31 |
| 9.0% | $399.38 | $416.88 | $437.07 | $460.63 | $488.47 |
| 10.0% | $346.69 | $359.14 | $373.24 | $389.36 | $407.96 |
| 11.0% | $305.43 | $314.55 | $324.75 | $336.22 | $349.22 |
Where the presets come from
Base: years 1 to 5 grow at OppFi Inc.'s revenue growth rate over the last 5 fiscal years (13.7% a year), held between -5% and 15%. Years 6 to 10 grow halfway between that and the long-run rate of 2.5%. Future cash is discounted at 9% a year.
Bear: 5 points less growth, 2% long-run growth, 10% discount rate. Bull: 5 points more growth (at most 25%), 3% long-run growth, 8% discount rate.
Value per share = (present value of 10 years of free cash flow + present value of everything after + cash - debt) / diluted shares.
This is a model run on assumptions, not a recommendation or a price target. Small changes in the discount rate or growth move the result a lot, as the table above shows. Change them yourself in the calculator.
Adjust the assumptions
Move the sliders for growth, long-run growth and discount rate, or switch to average free cash flow, and see the value per share change.
Adjust the assumptions