Is OppFi Inc. (OPFI) Halal?
Shariah Screening — 5 Standards
Based on financial data from December 2025
| Standard | Debt Ratio | Cash Ratio | Receivables | Income | Status |
|---|---|---|---|---|---|
| AAOIFI | Excluded — Credit Services | ✗ NOT HALAL | |||
| DJIM | Excluded — Credit Services | ✗ NOT HALAL | |||
| MSCI | Excluded — Credit Services | ✗ NOT HALAL | |||
| S&P | Excluded — Credit Services | ✗ NOT HALAL | |||
| FTSE | Excluded — Credit Services | ✗ NOT HALAL | |||
Financial Highlights
Profitability
| Gross Margin | 100.0% | |
| Operating Margin | 40.6% | |
| Net Margin | 7.7% | |
| Return on Equity (ROE) | 53.9% | |
| Return on Assets (ROA) | 21.0% |
Cash Flow & Balance Sheet
| Operating Cash Flow | $401M |
| Free Cash Flow | $382M |
| Total Debt | $333M |
| Debt-to-Equity | 107.7 |
| Current Ratio | 5.7 |
| Total Assets | $754M |
Price & Trading
| Last Close | $7.71 |
| 50-Day MA | $9.02 |
| 200-Day MA | $10.42 |
| Avg Volume | 504K |
| Beta | 1.8 |
|
52-Week Range
$7.50
| |
About OppFi Inc. (OPFI)
OppFi Inc., a tech-enabled digital finance platform, provides financial products and services for banks in the United States. The company offers installment loans through OppLoans platform. It serves consumers who are turned away by mainstream options. OppFi Inc. was founded in 2012 and is based in Chicago, Illinois.
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Frequently Asked Questions
Is OppFi Inc. (OPFI) halal to invest in?
Based on our screening using AAOIFI Standard 21 (the strictest methodology), OppFi Inc. is Not Halal. The company fails one or more screening criteria. We screen against all 5 major standards: AAOIFI, DJIM, MSCI, S&P, and FTSE.
What is OppFi Inc.'s debt ratio?
OppFi Inc.'s debt ratio is not available under the AAOIFI standard (which uses market capitalization as the denominator). The AAOIFI threshold is 30%.
What are OppFi Inc.'s key financial metrics?
OppFi Inc. has a market capitalization of $652M, trailing P/E ratio of 7.6, and revenue of $597M. The company maintains a gross margin of 100.0% and a net margin of 7.7%. Return on equity stands at 53.9%.
How often is the screening data updated?
Our screening data is updated regularly using the latest available financial statements and market data. Stock prices and market caps are refreshed frequently, while financial statements are updated quarterly when companies report earnings.
Disclaimer: HalalStockGuide.com provides Shariah compliance screening for educational and informational purposes only. This is not a fatwa, financial advice, or a recommendation to buy or sell any security. Screening results are based on publicly available financial data and established methodologies. Always consult a qualified Islamic scholar and a licensed financial advisor before making investment decisions.