OppFi Inc. — Earnings Quality Grade F
OPFI · Financial Services
Major red flags
Screening Summary
Management Signals
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
Insufficient data
Insufficient data
Revenue 13.5%, CFFO 23.9%. Cash follows revenue
Expense Quality
No material inventory
CapEx growth 46.9% is >2x revenue growth 13.5%
SG&A/Gross Profit = 18.5%, excellent (<30%)
Gross margin 83.2%, change +3.2pp. Stable
Cash Flow Quality
CFFO far exceeds NI (ratio 15.2x). Non-cash charges depressing profits
FCF $0.4B, FCF/NI = 14.52
Accruals ratio = -49.7%. Low accruals
Cash $0.0B covers only 15% of debt $0.3B
Balance Sheet Health
No goodwill. Clean balance sheet
Debt/EBITDA = 0.9x. Healthy
Other assets grew 113.7% vs revenue 13.5%
No write-off data
Acquisition Risk
FCF after acquisitions positive
No goodwill
Manipulation Score
Insufficient data
Portfolio monitoring
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Altman Z-Score — Not Applicable
OppFi Inc. is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25