<div class="block" style="background-image: pic.jpg;">
    <h1>Текст</h1>
</div>

div {
  width: 200px;
  height: 200px;
  display: block;
  position: relative;
}

div::after {
  content: "";
  background: url(image.jpg);
  opacity: 0.5;
  top: 0;
  left: 0;
  bottom: 0;
  right: 0;
  position: absolute;
  z-index: -1;
}