OPFI Stock — OppFi Inc

OppFi Inc (OPFI)

Updated October 16, 2026.

OPFI is a Stock. Total return is -38.3% over the past 5.9 years, 171.2 points behind SPY at 132.9%.

OppFi Inc. is a Chicago-based fintech company that provides installment loans and digital financial products primarily through its OppLoans platform, serving consumers who lack access to traditional banking options. The company distributes dividends on an annual basis at a current modest distribution rate. OppFi may appeal to income-focused investors seeking exposure to the financial services sector.

OPFI performance versus SPY

Price and return data through 2026-10-16.

Total return is -38.3% over the past 5.9 years, 171.2 points behind SPY at 132.9%. Over the past year its total return — price change plus distributions reinvested — is -40.3%. Its deepest 1-year drawdown was 50.4%.

OPFI key facts

Asset type

Stock

Asset class

Equity

Inception date

11/20/2020

Distribution frequency

None

Last close

$5.65 (as of 2026-10-16)

Market cap

$481,426,596

Average volume

512368.0

Ex-dividend date

04/08/2025

Payment date

04/18/2025

Beta

1.799

Payout ratio

0.0%

P/E ratio

2.64

Forward P/E

3.0788

EPS

$2.14

How Dividend Vision calculates yield and returns

Distribution rate (the posted rate) uses calculation basis unavailable. Issuer rates can use a different denominator and date, including ex-date NAV. Trailing-12-month yield is the sum of split-adjusted cash distributions with ex-dates in the last 12 months, divided by the published price. It lags a recent raise or cut. Total return uses split-adjusted close with distributions reinvested on the ex-dividend date (a modeling convention, not the cash-settlement date) from the first stored bar on or after inception through the latest bar, compared with the same window on the benchmark. That is the security's total return, not your personal gain/loss.

Yield and safety methodology · Distribution rate methodology · Distribution Safety Score methodology

Sources and review

Primary sources: prices and distributions from Dividend Vision, derived from vendor EOD data.

Reviewed by Bert Sweet, CEO and Co-owner of Dividend Vision. Methodology: Distribution Safety Score.

OPFI risks and drawbacks

Total return has trailed SPY over the available window. The deepest 1-year drawdown on record here is 50.4%.

Who may consider OPFI — and who may not

It is a weaker fit for investors who need monthly cash flow (OPFI does not currently distribute); investors whose main goal is matching SPY total return. This is educational context, not a recommendation to buy or sell.

More on OPFI

• All tickers starting with O

Tagged: Financials, Dividend.

Frequently asked questions