Estados financieros detallados de OppFi Inc. (OPFI): cuenta de resultados, balance general y flujo de caja. Sigue la evolución de márgenes, deuda, liquidez y rentabilidad año a año con hasta 20 años de histórico.
Resumen del Análisis
OppFi Inc. registró ingresos de $597.0M en el último ejercicio fiscal, con un CAGR de 5 años del 15.5%. El beneficio neto alcanzó $26.3M, con un CAGR a 5 años del -19.4%.
Márgenes de los últimos 12 meses: margen bruto 101.3%, margen operativo 33.3%, margen neto 16.6%. El flujo de caja libre creció a un CAGR del 16.1% en 5 años.
Al precio actual de $7.03, OPFI cotiza a un P/E de 2.06 y un ROE del 68.06%. La capitalización bursátil es de $600M.
Cuenta de Resultados (10 años)
| Año | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| Ingresos | $54.4M | $107.3M | $291.0M | $350.6M | $452.9M | $508.9M | $526.0M | $597.0M |
| Coste de Ventas | 0 | 0 | $44.2M | $89.2M | $95.1M | $107.4M | $105.2M | $29.3M |
| Beneficio Bruto | $54.4M | $107.3M | $246.8M | $261.4M | $357.7M | $401.5M | $420.8M | $567.7M |
| I+D | $4.9M | $8.4M | 0 | 0 | 0 | 0 | $21.2M | 0 |
| Generales y Administrativos | $31.2M | $29.3M | $38.1M | $88.9M | $87.5M | $86.7M | $89.9M | $87.6M |
| Gastos Operativos | $44.6M | $74.3M | $169.3M | $204.1M | $364.1M | $355.2M | $326.2M | $374.5M |
| Beneficio Operativo | $20.8M | $33.0M | $77.5M | $57.3M | -$6.3M | $46.4M | $94.5M | $193.2M |
| EBITDA | $2.4M | $4.3M | $103.5M | $100.5M | $244.8M | $290.5M | $308.6M | $200.7M |
| Gastos por Intereses | 0 | 0 | $19.3M | $137000 | $35.2M | $46.8M | $182.2M | $39.4M |
| Beneficio Antes de Impuestos | $9.7M | $33.0M | $77.5M | $90.1M | $3.1M | $41.8M | $88.1M | $156.1M |
| Impuestos | 0 | 0 | 0 | $311000 | -$277000 | $2.3M | $4.2M | $9.9M |
| Beneficio Neto | $9.7M | $33.0M | $77.5M | $25.6M | $7.1M | -$1.0M | $7.3M | $26.3M |
| BPA | $2.54 | $5.97 | $1.93 | $0.51 | $-0.06 | $0.36 | $0.99 | |
| BPA Diluido | $2.54 | $5.97 | $0.48 | $0.05 | $-0.06 | $0.36 | $0.99 | |
| Acciones en Circulación (Diluidas) | 0 | $13.0M | $13.0M | $84.5M | $84.3M | $16.4M | $20.1M | $26.5M |
Balance (10 años)
| Año | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|
| Caja y Equivalentes | $16.8M | $25.6M | $25.1M | $16.2M | $31.8M | $61.3M | $49.5M |
| Inversiones a Corto | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cuentas por Cobrar | 0 | $222.2M | $388.1M | $459.9M | $465.3M | $475.7M | $546.2M |
| Inventario | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Activos Corrientes | $16.8M | $267.9M | $450.5M | $510.2M | $539.3M | $564.0M | $639.5M |
| Inmovilizado Material | $6.6M | $10.6M | $14.6M | $27.6M | $22.5M | $24.3M | $36.5M |
| Fondo de Comercio | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Activos Intangibles | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Activos Totales | $286.6M | $285.8M | $502.1M | $579.8M | $601.5M | $641.2M | $754.1M |
| Cuentas por Pagar | 0 | $1.4M | $6.1M | $6.3M | $4.4M | $879000 | $2.8M |
| Deuda a Corto | 0 | $16.0M | $22.4M | 0 | 0 | 0 | 0 |
| Pasivos Corrientes | $15.4M | $44.4M | $58.1M | $55.2M | $51.5M | $59.8M | $86.0M |
| Deuda a Largo | $223.9M | $142.1M | $251.6M | $347.1M | $334.1M | $318.8M | $321.4M |
| Pasivos Totales | $249.2M | $186.5M | $344.2M | $420.7M | $407.5M | $407.0M | $445.2M |
| Reservas | $30.6M | $92.3M | -$70.7M | -$63.5M | -$63.6M | -$55.1M | -$33.5M |
| Patrimonio Neto | $37.4M | $99.3M | -$9.0M | -$494000 | $10.4M | $32.8M | $58.5M |
| Deuda Total | $223.9M | $158.1M | $274.0M | $363.6M | $349.2M | $332.1M | $332.8M |
| Deuda Neta | $207.1M | $132.5M | $249.0M | $347.4M | $317.4M | $270.7M | $283.3M |
| Capital Circulante | $1.4M | $223.5M | $392.3M | $455.0M | $487.8M | $504.2M | $553.5M |
Flujo de Caja (10 años)
| Año | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| Beneficio Neto | $9.7M | $33.0M | $77.5M | $89.8M | $3.3M | -$1.0M | $83.8M | $146.2M |
| Amortizaciones | $2.4M | $4.3M | $6.7M | $10.3M | $13.6M | $12.7M | $9.6M | $5.2M |
| Compensación en Acciones | 0 | $66000 | $144000 | $3.0M | $3.4M | $4.1M | $5.3M | $10.0M |
| Cambio en Capital Circulante | -$8.4M | -$4.5M | $15.0M | $3.9M | -$9.3M | -$2.0M | $6.8M | -$1.3M |
| Flujo de Caja Operativo | $63.0M | $148.9M | $192.1M | $167.3M | $243.3M | $296.1M | $323.8M | $401.3M |
| Inversiones (CapEx) | -$4.1M | -$6.6M | -$10.7M | -$14.4M | -$13.2M | -$9.0M | -$13.0M | -$19.1M |
| Adquisiciones | 0 | 0 | 0 | 0 | -$1.3M | 0 | 0 | 0 |
| Recompra de Acciones | 0 | 0 | 0 | 0 | -$2.5M | 0 | -$3.6M | -$15.5M |
| Dividendos Pagados | -$2.3M | -$9.5M | -$15.8M | -$51.0M | -$1.3M | -$10.2M | -$2.4M | -$64.9M |
| Flujo de Caja Libre | $58.9M | $142.3M | $181.4M | $153.0M | $230.0M | $287.2M | $310.8M | $382.2M |
Crecimiento y Márgenes (10 años)
| Año | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| Crecimiento Ingresos (anual) | +97.3% | +171.2% | +20.5% | +29.2% | +12.4% | +3.3% | +13.5% | |
| Crecimiento Beneficio Neto (anual) | +239.0% | +134.9% | -67.0% | -72.2% | -114.2% | +822.2% | +262.8% | |
| Crecimiento BPA (anual) | +135.0% | -67.7% | -73.6% | -112.0% | +687.3% | +175.0% | ||
| Cambio en Acciones (anual) | +0.0% | +550.9% | -0.3% | -80.5% | +22.9% | +31.6% | ||
| Crecimiento FCF (anual) | +141.4% | +27.5% | -15.7% | +50.4% | +24.8% | +8.2% | +23.0% | |
| Margen Bruto | 100.0% | 100.0% | 84.8% | 74.6% | 79.0% | 78.9% | 80.0% | 95.1% |
| Margen Operativo | 38.2% | 30.8% | 26.6% | 16.3% | -1.4% | 9.1% | 18.0% | 32.4% |
| Margen EBITDA | 4.5% | 4.0% | 35.6% | 28.7% | 54.0% | 57.1% | 58.7% | 33.6% |
| Margen Neto | 17.9% | 30.8% | 26.6% | 7.3% | 1.6% | -0.2% | 1.4% | 4.4% |
| Margen FCF | 108.4% | 132.6% | 62.3% | 43.6% | 50.8% | 56.4% | 59.1% | 64.0% |
| Tasa Impositiva Efectiva | 0.0% | 0.0% | 0.0% | 0.3% | -9.0% | 5.6% | 4.8% | 6.3% |
Datos por Acción (10 años)
| Año | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| FCF por Acción | $10.96 | $13.98 | $1.81 | $2.73 | $17.52 | $15.43 | $14.42 | |
| Dividendo por Acción | $0.73 | $1.22 | $0.60 | $0.02 | $0.62 | $0.12 | $2.45 | |
| Acciones en Circulación (Básicas) | 0 | $13.0M | $13.0M | $13.2M | $13.9M | $16.4M | $20.1M | $26.5M |
Qué mirar en Servicios Financieros
Asset managers, brokers, fintech, bolsas. No son bancos — mira AUM, comisiones y calidad del FCF.
- Crecimiento ingresos 5y — Sin crecimiento, no hay creación de valor a largo plazo
- Margen operativo — Los buenos asset managers tienen márgenes >30% por escalabilidad
- ROE — Servicios financieros de calidad tienen ROE >15% consistente
- FCF / Net Income — Calidad del beneficio — >90% esperado en negocios ligeros en capital
- Debt / Equity — Fintech y brokers con D/E alto son bombas de relojería en crisis
- P/E vs 5y propio — Asset managers tienen múltiplos estables en rangos conocidos
- Dividend yield + buybacks — Estos negocios devuelven mucho capital — mirar yield total (div + recompras)
Rentabilidad
| Rentabilidad sobre capital | 68.06% |
| Rentabilidad sobre capital invertido | 87.09% |
| Rentabilidad sobre activos | 13.20% |
| Margen bruto | 101.26% |
| Margen operativo | 33.33% |
| Margen neto | 16.64% |
Salud financiera
| Deuda / Patrimonio | 0.71 |
| Ratio corriente | 57.15 |
| Piotroski F-Score | 7 |
| Altman Z-Score | 2.83 |
Ratios Clave (10 años)
| Año | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| P/E | 0.00 | 3.88 | 1.71 | 2.35 | 4.02 | -83.52 | 21.28 | 10.57 |
| P/VC | 0.00 | 3.41 | 1.33 | -6.64 | -57.74 | 8.04 | 4.71 | 4.74 |
| P/V | 0.00 | 1.19 | 0.45 | 0.17 | 0.06 | 0.16 | 0.29 | 0.46 |
| Margen Bruto | 100.0% | 100.0% | 84.8% | 74.6% | 79.0% | 78.9% | 80.0% | 95.1% |
| Margen Operativo | 38.2% | 30.8% | 26.6% | 16.3% | -1.4% | 9.1% | 18.0% | 32.4% |
| Margen Neto | 17.9% | 30.8% | 26.6% | 7.3% | 1.6% | -0.2% | 1.4% | 4.4% |
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Explorar sector: Financial Services · Financial - Credit Services
Más secciones de OPFI: Resumen · Valoración · Estadísticas · Estimaciones · Técnico · Propiedad · Noticias · Eventos
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