OppFi Inc
OPFIFinancial·Credit Services·USA·Small·NYSE·Nov 11 • 3:59 PM ET
5.98-0.05 (-0.83%)
2026-11-12 03:31 CET
Market cap
506.68 USD m
Revenue, TTM
605.53 USD m
Net income, TTM
94.57 USD m
Free cash flow, TTM
371.41 USD m
EPS diluted, TTM
1.33
P/E
4.49
Price
OPFI against its 20, 50 and 200-day averages2050200beatmiss
48.8% under the 52-week high of 11.69 on 22 Dec 2025. 52-week low 5.36 on 26 Oct 2026. Last 15 sessions, 21.3% high to low
Volume 0.52× normal · the line is the 50-bar volume average
Profile
OPFI52-week range, 10% of the way up
5.3611.69
OppFi, Inc. is a tech-enabled, mission-driven specialty finance platform, which engages in the provision of community banks to extend credit access to everyday Americans. It supports consumers, who are turned away by mainstream options, to build better financial health, through transparency, responsible lending, financial inclusion, and an excellent customer experience. The company was founded by Todd G. Schwartz and Theodore Schwartz in 2012 and is headquartered in Chicago, IL.
| Index | RUT |
|---|---|
| Employees | 410 |
| IPO | Nov 20, 2020 |
| Beta | 1.89 |
| ATR, 14d | 0.27 |
| Rel volume | 0.52 |
| Short float | 8.30% |
| Insider own | 35.16% |
| Inst own | 29.85% |
Snapshot
6 groupsValuation
| Index | RUT |
|---|---|
| Market Cap | 506.68M |
| Enterprise Value | 732.34M |
| Income | 94.57M |
| Sales | 605.53M |
| Book/sh | 5.24 |
| Cash/sh | 1.66 |
| Dividend Est. | - |
| Dividend TTM | - |
| Dividend Ex-Date | Apr 08, 2025 |
| Dividend Gr. 3/5Y | - - |
| Payout | 0.00% |
| Employees | 410 |
| IPO | Nov 20, 2020 |
Ratios
| P/E | 4.49 |
|---|---|
| Forward P/E | 3.74 |
| PEG | 0.89 |
| P/S | 0.84 |
| P/B | 1.14 |
| P/C | 3.60 |
| P/FCF | 1.36 |
| EV/EBITDA | 3.48 |
| EV/Sales | 1.21 |
| Quick Ratio | 21.19 |
| Current Ratio | 21.19 |
| Debt/Eq | 0.83 |
| LT Debt/Eq | 0.82 |
| Option/Short | Yes / Yes |
Earnings
| EPS (ttm) | 1.33 |
|---|---|
| EPS next Y | 1.60 |
| EPS next Q | 0.32 |
| EPS this Y | -13.84% |
| EPS next Y | 16.61% |
| EPS next 5Y | 4.22% |
| EPS past 3/5Y | 170.12% 10.28% |
| Sales past 3/5Y | 9.65% 24.42% |
| EPS Y/Y TTM | 5310.66% |
| Sales Y/Y TTM | 5.58% |
| EPS Q/Q | -47.63% |
| Sales Q/Q | -3.78% |
| Earnings | Oct 28 BMO |
| EPS/Sales Surpr. | 4.23% -1.89% |
Ownership
| Insider Own | 35.16% |
|---|---|
| Insider Trans | 0.00% |
| Inst Own | 29.85% |
| Inst Trans | 1.32% |
| ROA | 12.10% |
| ROE | 38.38% |
| ROIC | 11.69% |
| Gross Margin | 95.83% |
| Oper. Margin | 32.80% |
| Profit Margin | 15.62% |
| SMA20 | 3.13% |
| SMA50 | -4.63% |
| SMA200 | -25.89% |
| Trades | - |
Technical
| Shs Outstand | 84.68M |
|---|---|
| Shs Float | 54.94M |
| Short Float | 8.30% |
| Short Ratio | 4.58 |
| Short Interest | 4.56M |
| 52W High | 11.69 -48.85% |
| 52W Low | 5.36 11.57% |
| Volatility | 4.76% 4.26% |
| ATR (14) | 0.27 |
| RSI (14) | 49.47 |
| Beta | 1.89 |
| Rel Volume | 0.52 |
| Avg Volume | 995.98K |
| Volume | 517,719 |
Performance
| Perf Week | -6.12% |
|---|---|
| Perf Month | 2.75% |
| Perf Quarter | -16.13% |
| Perf Half Y | -32.51% |
| Perf YTD | -42.83% |
| Perf Year | -39.23% |
| Perf 3Y | 160.46% |
| Perf 5Y | -13.88% |
| Perf 10Y | - |
| Recom | 1.67 |
| Target Price | 10.53 |
| Prev Close | 6.03 |
| Price | 5.98 |
| Change % | -0.83% |
Analyst ratings
latest 4 of 4| Date | Action | Analyst | Rating change | Target | Implied |
|---|---|---|---|---|---|
| Jun 12, 2025 | Initiated | SStephens | Equal-Weight | $14.50 | +142.5% |
| May 08, 2025 | Upgrade | CCitizens JMP | Mkt Perform → Mkt Outperform | $13.50 | +125.8% |
| Feb 12, 2025 | Downgrade | JJMP Securities | Mkt Outperform → Mkt Perform | ||
| Aug 17, 2021 | Initiated | NNeedham | Buy | $10 | +67.2% |
Peers
Mkt cap| Ticker | Company | Mkt cap |
|---|---|---|
| ENVA | Enova International Inc | 4.19B |
| OPRT | Oportun Financial Corp | 543.74M |
| RM | Regional Management Corp | 315.75M |
| WRLD | World Acceptance Corp | 617.91M |
| OMF | OneMain Holdings Inc | 6.34B |
| UPST | Upstart Holdings Inc | 2.03B |
| ATLC | Atlanticus Holdings Corp | 1.23B |
| QFIN | Qfin Holdings Inc ADR | 647.34M |
| FINV | FinVolution Group ADR | 366.46M |
| LX | LexinFintech Holdings Ltd ADR | 84.15M |
Insider trading
latest 14 of 48| Insider | Relationship | Date | Transaction | Cost | Shares | Value | Total held | Form |
|---|---|---|---|---|---|---|---|---|
| Schwartz Todd G. | Chief Executive Officer | Sep 11 '26 | Buy | 7.96 | 3,300 | 26,281 | 639,958 | Sep 15 04:25 PM |
| Schwartz Todd G. | Chief Executive Officer | Sep 14 '26 | Buy | 7.80 | 1,940 | 15,125 | 641,898 | Sep 15 04:25 PM |
| Johnson Pamela D. | CFO | Sep 11 '26 | Sale | 8.02 | 8,650 | 69,365 | 151,039 | Sep 15 04:25 PM |
| Schwartz Todd G. | Chief Executive Officer | Sep 10 '26 | Buy | 7.56 | 3,350 | 25,314 | 636,658 | Sep 11 05:01 PM |
| Johnson Pamela D. | Officer | Sep 11 '26 | Proposed Sale | 8.02 | 8,650 | 69,365 | Sep 11 02:05 PM | |
| Schwartz Todd G. | Chief Executive Officer | Sep 09 '26 | Buy | 7.59 | 3,450 | 26,190 | 633,308 | Sep 10 04:09 PM |
| Schwartz Todd G. | Chief Executive Officer | Sep 08 '26 | Buy | 7.41 | 3,475 | 25,737 | 629,858 | Sep 09 04:27 PM |
| Schwartz Todd G. | Chief Executive Officer | Sep 04 '26 | Buy | 7.35 | 3,500 | 25,741 | 626,383 | Sep 08 04:09 PM |
| Schwartz Todd G. | Chief Executive Officer | Sep 03 '26 | Buy | 7.33 | 3,450 | 25,305 | 622,883 | Sep 04 04:01 PM |
| Schwartz Todd G. | Chief Executive Officer | Sep 02 '26 | Buy | 7.15 | 3,550 | 25,377 | 619,433 | Sep 03 06:31 PM |
| Schwartz Todd G. | Chief Executive Officer | Sep 01 '26 | Buy | 6.91 | 3,550 | 24,542 | 615,883 | Sep 02 06:25 PM |
| Schwartz Todd G. | Chief Executive Officer | Aug 31 '26 | Buy | 6.93 | 3,550 | 24,611 | 612,333 | Sep 01 04:16 PM |
| Schwartz Todd G. | Chief Executive Officer | Aug 28 '26 | Buy | 7.15 | 3,500 | 25,018 | 608,783 | Aug 31 04:07 PM |
| Schwartz Todd G. | Chief Executive Officer | Aug 27 '26 | Buy | 7.13 | 3,550 | 25,312 | 605,283 | Aug 28 04:12 PM |
Held by
AUM| Ticker | Company | AUM |
|---|---|---|
| VTI | Vanguard Morningstar Total Stock Market ETF | AUM: 687.42B |
| IWM | iShares Russell 2000 Index Fund | AUM: 77.38B |
| VXF | Vanguard Extended Market Index ETF | AUM: 30.47B |
| DFAS | U.S. Small Cap Portfolio-ETF Class Shares | AUM: 15.51B |
| IWO | iShares Russell 2000 Growth ETF | AUM: 14.06B |
| AVUV | Avantis U.S. Small Cap Value ETF | AUM: 32.39B |
| VTWO | Vanguard Russell 2000 Index ETF | AUM: 16.75B |
| SFLO | VictoryShares Small Cap Free Cash Flow ETF | AUM: 889.00M |
| FDM | First Trust Dow Jones Select Microcap Index Fund | AUM: 267.52M |
| BSVO | EA Bridgeway Omni Small-Cap Value ETF | AUM: 2.44B |
News
latest 14 of 200- OppFi to Participate in November 2026 Conferences (PR Newswire) +9.08%
- OppFi withdraws regulatory applications to buy bank (Banking Dive)
- OppFi Provides Update on Pending BNC Acquisition (PR Newswire)
- OppFi Misses Again As Third Guidance Cut And Rising Charge-Offs Overshadow Product Pipeline (Earnings Whispers)
- OppFi Reports Third Quarter 2026 Results (PR Newswire)
- OppFi Announces its Third Quarter 2026 Earnings Conference Call (PR Newswire)
- Warren, Van Hollen pressure OppFi to ditch bank deal (Banking Dive)
- BNCCORP Stockholders Approve Merger with OppFi, Inc. (PR Newswire) -7.24%
- OppFi to Participate in September 2026 Conferences (PR Newswire)
- Stonegate Capital Partners Updates Coverage on OppFi, Inc. (OPFI) 2Q26 (Newsfile) -24.86%
- OppFi Inc (OPFI) (Q2 2026) Earnings Call Highlights: Record Revenue Amid Strategic Shifts and ... (GuruFocus.com)
- OppFi Reports Second Quarter 2026 Results, Record Second Quarter Revenue (PR Newswire) -6.70%
- Earnings To Watch: OppFi Inc (OPFI) Q2 2026 -- GF Value Sees 74% Downside (GuruFocus.com)
- OppFi to Participate in August 2026 Conferences (PR Newswire)
Quarterly earnings
actual against estimate| Period | Reported | EPS act | EPS est | EPS rep | Sales act | Sales est | Analysts |
|---|---|---|---|---|---|---|---|
| 2026Q3 | 2026-10-28 | 0.370 | 0.355 | 0.400 | 149.23 | 152.1 | 4 |
| 2026Q2 | 2026-08-10 | 0.330 | 0.445 | 0.179 | 145.17 | 155.89 | 4 |
| 2026Q1 | 2026-05-07 | 0.350 | 0.328 | 0.556 | 151.88 | 151.14 | 4 |
| 2025Q4 | 2026-03-11 | 0.300 | 0.283 | 0.193 | 159.25 | 159.8 | 4 |
| 2025Q3 | 2025-10-29 | 0.460 | 0.320 | 0.769 | 155.09 | 153.4 | 4 |
| 2025Q2 | 2025-08-06 | 0.450 | 0.295 | -0.781 | 142.44 | 141.19 | 4 |
| 2025Q1 | 2025-05-07 | 0.380 | 0.253 | -0.480 | 140.27 | 137.71 | 3 |
| 2024Q4 | 2025-03-05 | 0.230 | 0.147 | -0.279 | 135.72 | 133.5 | 3 |
| 2024Q3 | 2024-11-07 | 0.330 | 0.210 | 0.211 | 136.59 | 130.34 | 3 |
| 2024Q2 | 2024-08-07 | 0.290 | 0.150 | 0.156 | 126.3 | 123.39 | 3 |
| 2024Q1 | 2024-05-08 | 0.100 | 0.050 | 0.105 | 127.34 | 124.27 | 3 |
| 2023Q4 | 2024-03-07 | 0.100 | 0.080 | -0.311 | 132.92 | 135.03 | 3 |
| 2023Q3 | 2023-11-09 | 0.130 | 0.063 | 0.129 | 133.17 | 129.9 | 2 |
| 2023Q2 | 2023-08-09 | 0.140 | 0.040 | 0.137 | 122.49 | 117.07 | 3 |
| 2023Q1 | 2023-05-11 | 0.020 | -0.010 | 0.017 | 120.37 | 116.87 | 2 |
| 2022Q4 | 2023-03-23 | -0.220 | -0.115 | -0.219 | 120.03 | 109.72 | 4 |
Annual earnings
| Period | EPS act | EPS est | EPS rep | Sales act | Sales est |
|---|---|---|---|---|---|
| 2021FY | 0.780 | 0.780 | 1.932 | 350.57 | 354.31 |
| 2022FY | 0.050 | -0.023 | 0.050 | 452.86 | 442.56 |
| 2023FY | 0.510 | 0.498 | -0.061 | 508.95 | 510.76 |
| 2024FY | 0.950 | 0.863 | 0.360 | 525.96 | 523.76 |
| 2025FY | 1.590 | 1.573 | 1.660 | 597.05 | 597.6 |
| 2026FY | - | 1.370 | - | - | 603.81 |
| 2027FY | - | 1.598 | - | - | 650.16 |
| 2028FY | - | 1.800 | - | - | 659.79 |
Estimate revisions
last 14 periods| Period | Type | Date | Estimates | Up | Down | Mean | Low | High |
|---|---|---|---|---|---|---|---|---|
| 2026Q4 | S | 2026-11-02 | 4 | 0 | 4 | 157.54 | 155.66 | 158.5 |
| 2026Q4 | S | 2026-10-28 | 4 | 0 | 4 | 158.34 | 155.66 | 161.5 |
| 2026Q4 | S | 2026-10-27 | 4 | 1 | 2 | 160.05 | 155.7 | 161.6 |
| 2026Q4 | S | 2026-10-25 | 4 | 1 | 1 | 161.61 | 161.4 | 161.96 |
| 2026Q4 | S | 2026-10-14 | 4 | 1 | 3 | 161.61 | 161.4 | 161.96 |
| 2026Q4 | S | 2026-08-25 | 4 | 1 | 3 | 161.76 | 161.4 | 162.08 |
| 2026Q4 | S | 2026-08-18 | 4 | 1 | 3 | 162.28 | 161.4 | 164.17 |
| 2026Q4 | S | 2026-08-11 | 4 | 0 | 4 | 160.63 | 155 | 164.17 |
| 2026Q4 | S | 2026-07-21 | 4 | 0 | 1 | 179.44 | 172.7 | 184 |
| 2026Q4 | S | 2026-07-13 | 4 | 1 | 2 | 179.44 | 172.7 | 184 |
| 2026Q4 | S | 2026-06-25 | 4 | 1 | 2 | 179.44 | 172.7 | 184 |
| 2026Q4 | S | 2026-05-25 | 4 | 2 | 1 | 180.6 | 172.7 | 184 |
| 2026Q4 | S | 2026-05-07 | 4 | 3 | 1 | 180.6 | 172.7 | 184 |
| 2026Q4 | S | 2026-04-16 | 4 | 3 | 0 | 180.06 | 177 | 183.5 |
Estimate history
| EPS, annual | 0.609 | 1.932 | 0.05 | -0.061 | 0.36 | 0.993 | 1.3311 | ||
|---|---|---|---|---|---|---|---|---|---|
| Period | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | ||
| EPS, quarterly | 0.211 | -0.279 | -0.48 | -0.781 | 0.769 | 0.193 | 0.556 | 0.179 | 0.403 |
| Period | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 | Q3 '26 |
| Sales, annual | 200.227 | 350.568 | 452.859 | 511.932 | 525.963 | 597.05 | 605.53 | ||
| Period | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | ||
| Sales, quarterly | 136.593 | 135.723 | 140.268 | 142.443 | 155.089 | 159.25 | 151.881 | 145.17 | 149.23 |
| Period | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 | Q3 '26 |
| Shares, annual | 127.287 | 109.97 | 109.698 | 110.749 | 86.225 | 85.97 | 84.68 | ||
| Period | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | MRQ | ||
| Shares, quarterly | 86.075 | 86.225 | 86.445 | 87.068 | 86.606 | 85.97 | 85.125 | 85.302 | 84.68 |
| Period | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 | Q3 '26 |
Income statement, annual
| Metric | TTM | 2025FY | 2024FY | 2023FY | 2022FY | 2021FY | 2020FY |
|---|---|---|---|---|---|---|---|
| Total Revenue | 605.53 | 597.05 | 525.96 | 511.93 | 452.86 | 350.57 | 200.23 |
| Total Expenses | 406.93 | 403.80 | 391.98 | 423.80 | 411.12 | 242.65 | 101.48 |
| Operating Income | 198.60 | 193.25 | 133.98 | 88.13 | 41.74 | 107.92 | 98.74 |
| Unusual Expense | 0.00 | -1.45 | 2.98 | 0.00 | 3.57 | -6.44 | 0.00 |
| Net Income Before Taxes | 164.02 | 156.13 | 88.05 | 41.81 | 3.06 | 90.11 | 77.52 |
| Income Taxes | 21.45 | 9.88 | 4.21 | 2.33 | -0.28 | 0.31 | 0.00 |
| Consolidated Net Income | 142.57 | 146.25 | 83.84 | 39.48 | 3.34 | 89.80 | 77.52 |
| Net Income From Continuing Operations | 94.57 | 26.33 | 7.26 | -1.00 | 7.10 | 25.55 | 77.52 |
| Net Income | 94.57 | 26.33 | 7.26 | -1.00 | 7.10 | 25.55 | 77.52 |
| EPS (Recurring) | 1.34 | 0.96 | 0.46 | -0.06 | 0.08 | 1.59 | 0.61 |
| EPS (Basic, Before Extraordinaries) | 2.30 | 0.99 | 0.36 | -0.06 | 0.51 | 1.93 | 0.61 |
| EPS (Diluted) | 1.33 | 0.99 | 0.36 | -0.06 | 0.05 | 1.93 | 0.61 |
| Non-Operating Income (Expense) | 0.11 | 0.80 | 1.76 | 0.43 | 0.05 | 0.00 | 0.00 |
| Other After Tax Adjustments | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Stock Option Compensation Expense | 7.70 | 7.89 | 4.16 | - | - | - | - |
| Price To Earnings Ratio | 4.49 | 4.49 | 46.21 | 75.54 | 2.07 | 2.42 | - |
| Price To Sales Ratio | 0.85 | 0.46 | 0.29 | 0.16 | 0.38 | 0.17 | 6.47 |
| Gross Margin | 95.83 | 95.95 | 94.50 | 93.02 | 91.82 | 91.96 | 0.00 |
| Operating Margin | 32.80 | 32.37 | 25.47 | 17.21 | 9.22 | 30.78 | 49.32 |
| Net Margin | 15.62 | 4.41 | 1.38 | -0.20 | 1.57 | 7.29 | 38.71 |
| Shares Outstanding | 84.68 | 85.97 | 86.23 | 110.75 | 109.70 | 109.97 | 127.29 |
| Market Capitalization | 506.68 | 506.68 | 640.17 | 526.69 | 209.96 | 464.06 | 1,204.46 |
Income statement, quarterly
| Metric | 2026Q3 | 2026Q2 | 2026Q1 | 2025Q4 | 2025Q3 | 2025Q2 | 2025Q1 | 2024Q4 |
|---|---|---|---|---|---|---|---|---|
| Total Revenue | 149.23 | 145.17 | 151.88 | 159.25 | 155.09 | 142.44 | 140.27 | 135.72 |
| Total Expenses | 100.69 | 112.49 | 86.71 | 107.04 | 64.88 | 121.30 | 109.14 | 110.98 |
| Operating Income | 48.55 | 32.68 | 65.17 | 52.21 | 90.21 | 21.14 | 31.13 | 24.75 |
| Unusual Expense | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.04 |
| Net Income Before Taxes | 40.75 | 25.46 | 58.01 | 39.81 | 81.58 | 12.70 | 22.04 | 14.57 |
| Income Taxes | 6.27 | 9.84 | 3.97 | 1.36 | 5.65 | 1.22 | 1.65 | 0.60 |
| Consolidated Net Income | 34.48 | 15.61 | 54.04 | 38.44 | 75.93 | 11.48 | 20.39 | 13.97 |
| Net Income From Continuing Operations | 34.48 | 14.84 | 28.40 | 16.84 | 41.63 | -20.78 | -11.37 | -5.61 |
| Net Income | 34.48 | 14.84 | 28.40 | 16.85 | 41.63 | -20.78 | -11.37 | -5.61 |
| EPS (Recurring) | 0.40 | 0.18 | 0.56 | 0.19 | 0.77 | -0.78 | -0.48 | -0.28 |
| EPS (Basic, Before Extraordinaries) | 0.41 | 0.22 | 1.06 | 0.61 | 1.48 | -0.78 | -0.48 | -0.26 |
| EPS (Diluted) | 0.40 | 0.18 | 0.56 | 0.19 | 0.77 | -0.78 | -0.48 | -0.28 |
| Non-Operating Income (Expense) | 0.86 | 0.90 | 1.35 | -3.00 | 1.45 | 1.20 | 1.16 | 0.89 |
| Other After Tax Adjustments | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Stock Option Compensation Expense | 1.28 | 3.75 | 1.32 | 1.35 | 1.52 | 4.02 | 1.00 | 0.86 |
| Price To Earnings Ratio | 4.49 | 13.47 | - | - | - | - | 46.93 | 46.21 |
| Price To Sales Ratio | 0.85 | 1.40 | 1.09 | 1.53 | 1.74 | 0.67 | 0.41 | 0.31 |
| Gross Margin | 94.94 | 95.41 | 96.33 | 96.58 | 96.15 | 95.50 | 96.50 | 94.94 |
| Operating Margin | 32.53 | 22.51 | 42.91 | 32.79 | 58.17 | 14.84 | 22.19 | 18.23 |
| Net Margin | 23.10 | 10.22 | 18.70 | 10.58 | 26.85 | -14.59 | -8.11 | -4.13 |
| Shares Outstanding | 84.68 | 85.30 | 85.12 | 85.97 | 86.61 | 87.07 | 86.44 | 86.23 |
| Market Capitalization | 506.68 | 1,430.72 | 656.31 | 903.35 | 989.18 | 1,214.44 | 778.95 | 640.17 |
Balance sheet, annual
| Metric | 2025FY | 2024FY | 2023FY | 2022FY | 2021FY | 2020FY |
|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 93.26 | 88.29 | 73.94 | 49.67 | 62.36 | 45.66 |
| Short Term Receivables | 546.24 | 475.73 | 465.33 | 459.94 | 388.11 | 222.24 |
| Investment Securities | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | - |
| Securities In Custody | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | - |
| Investments | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Investment in Unconsolidated Affiliates | 19.08 | 19.19 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Property, Plant & Equipment | 36.46 | 24.26 | 22.47 | 27.63 | 14.64 | 10.56 |
| Deferred Tax Assets | 32.65 | 21.34 | 25.78 | 26.76 | 25.59 | 0.00 |
| Other Intangible Assets | 26.41 | 12.36 | 14.02 | 15.85 | 11.40 | 7.38 |
| Total Assets | 754.09 | 641.17 | 601.54 | 579.84 | 502.11 | 285.84 |
| Total Customer Deposits | 0.00 | 0.00 | - | - | - | - |
| Total Debt | 339.29 | 335.12 | 349.18 | 363.62 | 274.02 | 158.10 |
| Long Term Debt | 273.38 | 302.71 | 332.67 | 344.69 | 251.58 | 158.10 |
| Provision for Risks Charges | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Liabilities | 105.92 | 71.84 | 58.34 | 57.07 | 70.21 | 28.41 |
| Total Liabilities | 445.21 | 406.96 | 407.51 | 420.69 | 344.23 | 186.51 |
| Preferred Stock - Carrying Value | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 6.66 |
| Common Equity | 58.48 | 32.77 | 10.44 | -0.49 | -9.04 | 92.67 |
| Total Shareholders Equity | 58.48 | 32.77 | 10.44 | -0.49 | -9.04 | 99.33 |
| Accumulated Minority Interest | 250.39 | 201.44 | 183.59 | 159.64 | 166.92 | 0.00 |
| Total Equity | 308.88 | 234.21 | 194.03 | 159.15 | 157.88 | 99.33 |
| Total Liabilities & Stockholders Equity | 754.09 | 641.17 | 601.54 | 579.84 | 502.11 | 285.84 |
| Book Value Per Share | 0.68 | 0.38 | 0.09 | -0.00 | -0.08 | 0.73 |
| Tangible Book Value Per Share | 0.68 | 0.38 | 0.09 | -0.00 | -0.08 | 0.73 |
| Full-Time Employees | 410 | 445 | 445 | 465 | 573 | 526 |
| Price to Book Ratio | 1.14 | 18.32 | 46.12 | -64.27 | -51.34 | 5.42 |
| Return on Assets | 3.77 | 1.17 | -0.17 | 1.31 | 6.84 | - |
| Return on Equity | 57.70 | 33.59 | -20.21 | - | 23.98 | - |
| Return on Invested Capital | 7.93 | 2.16 | -0.29 | 2.06 | 10.54 | 30.11 |
| Quick Ratio | 4.43 | 6.36 | 7.99 | 6.93 | 5.55 | 9.43 |
| Current Ratio | 4.43 | 6.36 | 7.99 | 6.93 | 5.55 | 9.43 |
Cash flow, annual
| Metric | TTM | 2025FY | 2024FY | 2023FY | 2022FY | 2021FY | 2020FY |
|---|---|---|---|---|---|---|---|
| Funds from Operations | 390.63 | 402.62 | 316.17 | 296.48 | 252.64 | 163.41 | 177.12 |
| Extraordinary Item | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Changes in Working Capital | -0.77 | -1.32 | 6.81 | -2.04 | -9.35 | 3.94 | 14.99 |
| Cash from Operating Activities | 389.87 | 401.31 | 322.98 | 294.43 | 243.30 | 167.35 | 192.11 |
| Capital Expenditures | -18.45 | -19.11 | -13.01 | -8.99 | -13.25 | -14.37 | -10.72 |
| Net Assets From Acquisitions | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | -15.78 |
| Sale of Fixed Assets and Businesses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Purchase or Sale of Investments | 0.00 | 0.00 | -15.97 | 0.00 | 0.00 | 0.00 | 0.00 |
| Purchase of Investments | 0.00 | 0.00 | -15.97 | 0.00 | 0.00 | 0.00 | 0.00 |
| Sale Or Maturity of Investments | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Uses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | -483.31 |
| Other Sources | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 395.72 |
| Cash from Investing Activities | -249.99 | -307.80 | -243.44 | -244.29 | -317.24 | -199.47 | -114.09 |
| Cash Dividends Paid | 0.00 | -6.41 | -2.37 | 0.00 | 0.00 | 0.00 | 0.00 |
| Change in Capital Stock | -25.46 | -15.09 | -3.26 | 0.39 | -2.33 | 0.00 | 0.00 |
| Repurchase of Common Pref Stock | -26.11 | -15.52 | -3.55 | 0.00 | -2.46 | 0.00 | 0.00 |
| Sale of Common Pref Stock | 0.65 | 0.42 | 0.29 | 0.39 | 0.12 | 0.00 | 0.00 |
| Proceedsfrom Stock Options | 0.65 | 0.42 | 0.29 | 0.33 | 0.12 | 0.00 | 0.00 |
| Issuance or Reduction of Debt, Net | 23.07 | -2.88 | -15.83 | -15.75 | 64.90 | 121.03 | -68.35 |
| Change in Long Term Debt | 23.07 | -2.88 | -14.38 | -13.16 | 66.53 | 121.03 | -68.35 |
| Issuance of Long Term Debt | 216.32 | 247.87 | 5.62 | - | 66.53 | 125.03 | 3.98 |
| Reduction of Long Term Debt | -193.25 | -250.75 | -20.00 | -13.16 | 0.00 | -4.00 | -72.33 |
| Net Financing Active Other Cash Flow | -72.01 | -64.14 | -43.73 | -10.51 | -1.31 | -72.20 | 0.00 |
| Other Financing Activities Uses | -72.01 | -64.14 | -43.73 | -10.51 | -1.31 | -164.26 | 0.00 |
| Cash from Financing Activities | -74.39 | -88.53 | -65.19 | -25.87 | 61.26 | 48.83 | -68.35 |
| Net Change in Cash | 65.48 | 4.97 | 14.35 | 24.27 | -12.69 | 16.70 | 9.68 |
| Free Cash Flow | 371.41 | 382.19 | 309.97 | 285.44 | 230.05 | 152.97 | 181.39 |
| Preferred Dividends (Cash Flow) | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Price to Free Cash Flow | 1.39 | 0.74 | 0.50 | 0.29 | 0.75 | 0.39 | 7.14 |
Balance sheet, quarterly
| Metric | 2026Q3 | 2026Q2 | 2026Q1 | 2025Q4 | 2025Q3 | 2025Q2 |
|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 140.67 | 91.85 | 99.92 | 93.26 | 75.19 | 78.27 |
| Short Term Receivables | 518.88 | 496.31 | 502.56 | 546.24 | 541.90 | 495.52 |
| Investments | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Investment in Unconsolidated Affiliates | 20.35 | 19.96 | 19.14 | 19.08 | 18.89 | 18.57 |
| Net Property, Plant & Equipment | 44.73 | 43.31 | 40.61 | 36.46 | 32.73 | 29.08 |
| Deferred Tax Assets | 99.30 | 102.41 | 31.49 | 32.65 | 32.24 | 33.95 |
| Other Intangible Assets | 18.47 | 16.90 | 26.26 | 26.41 | 19.66 | 17.98 |
| Total Assets | 842.40 | 770.73 | 719.99 | 754.09 | 720.62 | 673.38 |
| Total Customer Deposits | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total Debt | 366.33 | 293.59 | 300.83 | 339.29 | 337.86 | 322.19 |
| Long Term Debt | 365.68 | 292.30 | 244.64 | 273.38 | 325.95 | 309.81 |
| Provision for Risks Charges | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Liabilities | 32.75 | 62.89 | 76.18 | 105.92 | 105.50 | 133.48 |
| Total Liabilities | 399.08 | 356.47 | 377.00 | 445.21 | 443.36 | 455.67 |
| Preferred Stock - Carrying Value | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Common Equity | 443.32 | 414.25 | 75.65 | 58.48 | 49.42 | 13.35 |
| Total Shareholders Equity | 443.32 | 414.25 | 75.65 | 58.48 | 49.42 | 13.35 |
| Accumulated Minority Interest | 0.00 | 0.00 | 267.33 | 250.39 | 227.83 | 204.35 |
| Total Equity | 443.32 | 414.25 | 342.98 | 308.88 | 277.25 | 217.71 |
| Total Liabilities & Stockholders Equity | 842.40 | 770.73 | 719.99 | 754.09 | 720.62 | 673.38 |
| Book Value Per Share | 5.24 | 4.86 | 0.89 | 0.68 | 0.57 | 0.15 |
| Tangible Book Value Per Share | 5.24 | 4.86 | 0.89 | 0.68 | 0.57 | 0.15 |
| Full-Time Employees | - | - | - | 410 | - | - |
| Price to Book Ratio | 1.14 | 11.17 | 11.33 | 18.33 | 73.89 | 53.63 |
| Return on Assets | 12.10 | 14.09 | 9.72 | 3.77 | 0.58 | -5.37 |
| Return on Equity | 38.38 | 47.58 | 134.62 | 57.70 | 9.19 | -209.49 |
| Return on Invested Capital | 4.26 | 2.10 | 8.87 | 5.08 | 11.09 | -6.43 |
| Quick Ratio | 21.19 | 10.00 | 4.77 | 4.43 | 7.87 | 7.62 |
| Current Ratio | 21.19 | 10.00 | 4.77 | 4.43 | 7.87 | 7.62 |
Cash flow, quarterly
| Metric | 2026Q3 | 2026Q2 | 2026Q1 | 2025Q4 | 2025Q3 | 2025Q2 |
|---|---|---|---|---|---|---|
| Funds from Operations | 95.22 | 80.91 | 100.38 | 114.12 | 99.81 | 95.04 |
| Extraordinary Item | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Changes in Working Capital | -9.70 | 10.98 | -9.66 | 7.62 | 3.59 | 0.52 |
| Cash from Operating Activities | 85.52 | 91.89 | 90.72 | 121.74 | 103.41 | 95.56 |
| Capital Expenditures | -3.78 | -4.63 | -5.15 | -4.90 | -5.19 | -4.64 |
| Net Assets From Acquisitions | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Sale of Fixed Assets and Businesses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Purchase or Sale of Investments | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Purchase of Investments | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Sale Or Maturity of Investments | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Uses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Sources | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Cash from Investing Activities | -82.12 | -57.05 | -21.44 | -89.39 | -102.86 | -81.32 |
| Cash Dividends Paid | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | -6.41 |
| Preferred Dividends (Cash Flow) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Change in Capital Stock | -6.35 | -1.25 | -9.69 | -8.17 | -7.02 | 0.00 |
| Repurchase of Common Pref Stock | -6.75 | -1.25 | -9.95 | -8.16 | -7.35 | 0.00 |
| Sale of Common Pref Stock | 0.40 | 0.00 | 0.25 | -0.00 | 0.33 | 0.00 |
| Proceedsfrom Stock Options | 0.40 | 0.00 | 0.25 | -0.00 | 0.33 | 0.00 |
| Issuance or Reduction of Debt, Net | 72.87 | -7.81 | -37.09 | -4.90 | -180.99 | 17.90 |
| Change in Long Term Debt | 72.87 | -7.81 | -37.09 | -4.90 | -180.99 | 17.90 |
| Issuance of Long Term Debt | 72.87 | 46.96 | 44.57 | 51.93 | - | - |
| Reduction of Long Term Debt | 0.00 | -54.76 | -81.66 | -56.83 | -180.99 | 17.90 |
| Net Financing Active Other Cash Flow | -21.09 | -33.86 | -15.84 | -1.22 | -11.55 | -38.23 |
| Other Financing Activities Uses | -21.09 | -33.86 | -15.84 | -1.22 | -11.55 | -38.23 |
| Cash from Financing Activities | 45.43 | -42.92 | -62.62 | -14.28 | -3.62 | -26.74 |
| Net Change in Cash | 48.83 | -8.07 | 6.66 | 18.07 | -3.07 | -12.50 |
| Free Cash Flow | 81.74 | 87.27 | 85.57 | 116.84 | 98.22 | 90.92 |
| Price to Free Cash Flow | 1.39 | 2.20 | 1.73 | 2.43 | 2.86 | 1.15 |
Revenue breakdown
| Revenue split | - |
|---|
Short interest
shares short against float, oldest to newest| Settlement | Of float | Shares short | Float | Avg volume |
|---|---|---|---|---|
| 2026-10-30 | 8.25% | 4.6M | 55.3M | 922.79K |
| 2026-10-15 | 7.75% | 4.3M | 55.3M | 849.69K |
| 2026-09-30 | 7.81% | 4.3M | 55.2M | 875.40K |
| 2026-09-15 | 6.33% | 3.5M | 55.2M | 899.41K |
| 2026-08-31 | 5.84% | 3.2M | 55.3M | 857.59K |
| 2026-08-14 | 6.40% | 3.5M | 55.3M | 853.88K |
| 2026-07-31 | 4.33% | 2.4M | 55.5M | 735.93K |
| 2026-07-15 | 4.70% | 2.6M | 55.5M | 740.23K |
| 2026-06-30 | 4.93% | 2.7M | 55.5M | 678.41K |
| 2026-06-15 | 3.94% | 2.2M | 55.5M | 572.50K |
| 2026-05-29 | 4.16% | 2.3M | 55.5M | 555.26K |
| 2026-05-15 | 3.61% | 3.1M | 85.4M | 528.65K |
| 2026-04-30 | 13.55% | 3.2M | 23.4M | 458.17K |
| 2026-04-15 | 12.04% | 2.9M | 24.5M | 472.51K |
| 2026-03-31 | 12.12% | 3.0M | 24.8M | 499.63K |
| 2026-03-13 | 13.92% | 3.4M | 24.8M | 517.72K |
| 2026-02-27 | 14.81% | 3.8M | 25.9M | 508.88K |
| 2026-02-13 | 14.66% | 3.8M | 25.9M | 533.97K |
| 2026-01-30 | 15.83% | 4.1M | 25.9M | 565.23K |
| 2026-01-15 | 16.92% | 4.4M | 25.9M | 622.67K |
Option chain
expiry 2026-11-20| Type | Strike | Bid | Ask | Last | IV | Open int | Volume | Delta | Theta | Vega |
|---|---|---|---|---|---|---|---|---|---|---|
| call | 2.50 | 2.90 | 4.10 | 6.17 | 7.957 | 0.00 | 0.00 | 0.914 | -0.055 | 0.001 |
| call | 5.00 | 0.65 | 1.40 | 1.03 | 2.387 | 82.00 | 1.00 | 0.751 | -0.040 | 0.003 |
| call | 7.50 | 0.00 | 0.05 | 0.01 | 1.093 | 79.00 | 0.00 | 0.109 | -0.011 | 0.002 |
| call | 10.00 | 0.00 | 0.05 | 0.02 | 1.999 | 150 | 0.00 | 0.068 | -0.014 | 0.001 |
| call | 12.50 | 0.00 | 0.75 | 0.05 | 2.627 | 72.00 | 0.00 | 0.056 | -0.016 | 0.001 |
| call | 15.00 | 0.00 | 0.75 | 0.05 | 3.108 | 89.00 | 0.00 | 0.049 | -0.017 | 0.001 |
| call | 17.50 | 0.00 | 0.75 | 0.00 | 3.498 | 0.00 | 0.00 | 0.045 | -0.017 | 0.001 |
| call | 20.00 | 0.00 | 0.75 | 0.20 | 3.825 | 1.00 | 0.00 | 0.042 | -0.018 | 0.001 |
| put | 2.50 | 0.00 | 0.75 | 0.00 | 6.585 | 0.00 | 0.00 | -0.086 | -0.054 | 0.001 |
| put | 5.00 | 0.00 | 0.40 | 0.05 | 2.370 | 15.00 | 0.00 | -0.249 | -0.039 | 0.003 |
| put | 7.50 | 1.10 | 1.85 | 2.11 | 2.189 | 13.00 | 0.00 | -0.891 | -0.010 | 0.002 |
| put | 10.00 | 3.40 | 4.60 | 3.75 | 4.179 | 19.00 | 0.00 | -0.932 | -0.013 | 0.001 |
| put | 12.50 | 5.80 | 7.20 | 6.30 | 5.333 | 1.00 | 0.00 | -0.944 | -0.014 | 0.001 |
| put | 15.00 | 8.30 | 9.70 | 8.80 | 5.979 | 0.00 | 0.00 | -0.951 | -0.015 | 0.001 |
| put | 17.50 | 10.60 | 12.40 | 11.25 | 7.101 | 0.00 | 0.00 | -0.955 | -0.016 | 0.001 |
| put | 20.00 | 13.10 | 14.90 | 13.75 | 7.538 | 0.00 | 0.00 | -0.958 | -0.016 | 0.001 |
Latest SEC filings
30| Filed | Form | Description | Period | Link |
|---|---|---|---|---|
| 2026-11-10 | 8-K | Current report | 2026-11-10 | SEC |
| 2026-11-05 | 10-Q | Quarterly report pursuant to Section 13 or 15(d) | 2026-09-30 | SEC |
| 2026-11-03 | 8-K | Current report | 2026-11-03 | SEC |
| 2026-10-28 | 8-K | Current report | 2026-10-28 | SEC |
| 2026-10-05 | 4 | Statement of changes in beneficial ownership of securities | 2026-10-01 | SEC |
| 2026-10-05 | 4 | Statement of changes in beneficial ownership of securities | 2026-10-01 | SEC |
| 2026-10-05 | 4 | Statement of changes in beneficial ownership of securities | 2026-10-01 | SEC |
| 2026-09-21 | 8-K | Current report | 2026-09-15 | SEC |
| 2026-09-15 | 4 | Statement of changes in beneficial ownership of securities | 2026-09-11 | SEC |
| 2026-09-15 | 4 | Statement of changes in beneficial ownership of securities | 2026-09-11 | SEC |
| 2026-09-11 | 144 | Filing for proposed sale of securities under Rule 144. | SEC | |
| 2026-09-11 | 4 | Statement of changes in beneficial ownership of securities | 2026-09-10 | SEC |
| 2026-09-10 | 4 | Statement of changes in beneficial ownership of securities | 2026-09-09 | SEC |
| 2026-09-09 | 4 | Statement of changes in beneficial ownership of securities | 2026-09-08 | SEC |
| 2026-09-08 | 4 | Statement of changes in beneficial ownership of securities | 2026-09-04 | SEC |
| 2026-09-04 | 4 | Statement of changes in beneficial ownership of securities | 2026-09-03 | SEC |
| 2026-09-03 | 4 | Statement of changes in beneficial ownership of securities | 2026-09-02 | SEC |
| 2026-09-02 | 4 | Statement of changes in beneficial ownership of securities | 2026-09-01 | SEC |
| 2026-09-01 | 4 | Statement of changes in beneficial ownership of securities | 2026-08-31 | SEC |
| 2026-08-31 | 4 | Statement of changes in beneficial ownership of securities | 2026-08-28 | SEC |
| 2026-08-28 | 4 | Statement of changes in beneficial ownership of securities | 2026-08-27 | SEC |
| 2026-08-28 | 4 | Statement of changes in beneficial ownership of securities | 2026-08-26 | SEC |
| 2026-08-27 | 4 | Statement of changes in beneficial ownership of securities | 2026-08-26 | SEC |
| 2026-08-26 | 144 | Filing for proposed sale of securities under Rule 144. | SEC | |
| 2026-08-26 | 4 | Statement of changes in beneficial ownership of securities | 2026-08-25 | SEC |
| 2026-08-25 | 4 | Statement of changes in beneficial ownership of securities | 2026-08-24 | SEC |
| 2026-08-24 | 4 | Statement of changes in beneficial ownership of securities | 2026-08-21 | SEC |
| 2026-08-21 | 4 | Statement of changes in beneficial ownership of securities | 2026-08-20 | SEC |
| 2026-08-21 | 4 | Statement of changes in beneficial ownership of securities | 2026-08-19 | SEC |
| 2026-08-20 | 4 | Statement of changes in beneficial ownership of securities | 2026-08-19 | SEC |
Insider activity by month
| Month | Bought | Buys | Sold | Sells |
|---|---|---|---|---|
| 2026-11 | 0 | 0 | 0 | 0 |
| 2026-10 | 0 | 0 | 0 | 0 |
| 2026-09 | 219.61K | 9 | 69.37K | 1 |
| 2026-08 | 1.27M | 14 | 762.77K | 2 |
| 2026-07 | 0 | 0 | 0 | 0 |
| 2026-06 | 0 | 0 | 766.93K | 3 |
| 2026-05 | 0 | 0 | 100.00K | 1 |
| 2026-04 | 0 | 0 | 0 | 0 |
| 2026-03 | 0 | 0 | 69.86K | 1 |
| 2026-02 | 0 | 0 | 0 | 0 |
| 2026-01 | 0 | 0 | 52.06K | 1 |
| 2025-12 | 0 | 0 | 48.72K | 1 |
| 2025-11 | 0 | 0 | 208.58K | 3 |
Institutional holders
| Manager | % owned |
|---|---|
| M3F, Inc. | 2.88% |
| WELLINGTON MANAGEMENT GROUP LLP | 2.10% |
| LB Partners LLC | 1.75% |
| VANGUARD CAPITAL MANAGEMENT LLC | 1.54% |
| BlackRock, Inc. | 1.42% |
| DIMENSIONAL FUND ADVISORS LP | 1.03% |
| GEODE CAPITAL MANAGEMENT, LLC | 0.91% |
| Nuveen, LLC | 0.81% |
| CITADEL ADVISORS LLC | 0.74% |
| CORSAIR CAPITAL MANAGEMENT, L.P. | 0.73% |
Funds
| Fund | % owned |
|---|---|
| VANGUARD TOTAL STOCK MARKET INDEX FUND | 1.23% |
| iShares Russell 2000 ETF | 0.49% |
| Nuveen Quant Small Cap Equity Fund | 0.38% |
| VANGUARD EXTENDED MARKET INDEX FUND | 0.28% |
| Fidelity Extended Market Index Fund | 0.21% |
| Fidelity Small Cap Index Fund | 0.19% |
| VANGUARD RUSSELL 2000 INDEX FUND | 0.18% |
| iShares Russell 2000 Growth ETF | 0.17% |
| Avantis U.S. Small Cap Value ETF | 0.12% |
| Dimensional U.S. Small Cap ETF | 0.12% |
OakChart. OPFI. Cached 15 minutes.