OppFi Inc. (OPFI)

US — Technology Sector
Peers: YMT  BLND  APPS  IBTA  SSYS  AOSL  ARQQ  RSKD  CRSR  ADTN 

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Key Metrics & Ratings

  • symbol OPFI
  • Rev/Share 603.3698
  • Book/Share 17.2697
  • PB 0.5726
  • Debt/Equity 0.5547
  • CurrentRatio 2.2486
  • ROIC 3.8156

 

  • MktCap 852267541.0
  • FreeCF/Share 10.89
  • PFCF 3.2725
  • PE 0.1996
  • Debt/Assets 0.2639
  • DivYield 0.0254
  • ROE 9.8322

 

  • Rating B-
  • Score 2
  • Recommendation Sell
  • P/E Score 1
  • DCF Score 1
  • P/B Score 1
  • D/E Score 1

Recent Analyst Ratings

Type Ticker Analyst Firm Previous Rating Current Rating Previous Price Target Current Price Target Date
Initiation OPFI Stephens -- Equal Weight -- $14.5 June 12, 2025
Upgrade OPFI Citizens JMP Market Perform Mkt Outperform -- $13.5 May 8, 2025
Downgrade OPFI JMP Securities Mkt Outperform Market Perform -- -- Feb. 12, 2025

News

OppFi Jumps 46% in a Year: Should You Buy the Stock Right Now?
OPFI
Published: November 10, 2025 by: Zacks Investment Research
Sentiment: Positive

OppFi Inc. OPFI shares have jumped 45.5% in a year. This impressive growth outpaced the 11.1% decline of its industry and the 14.1% rally of the Zacks S&P 500 Composite.

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image for news OppFi Jumps 46% in a Year: Should You Buy the Stock Right Now?
Wall Street Analysts Predict a 45.88% Upside in OppFi (OPFI): Here's What You Should Know
OPFI
Published: November 10, 2025 by: Zacks Investment Research
Sentiment: Positive

The average of price targets set by Wall Street analysts indicates a potential upside of 45.9% in OppFi (OPFI). While the effectiveness of this highly sought-after metric is questionable, the positive trend in earnings estimate revisions might translate into an upside in the stock.

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image for news Wall Street Analysts Predict a 45.88% Upside in OppFi (OPFI): Here's What You Should Know
Top 10 Quant Stocks Of 2025 Up 45%
AGX, CLS, CRDO, DXPE, EAT, INTA, LRN, OPFI, PYPL, URBN
Published: November 05, 2025 by: Seeking Alpha
Sentiment: Positive

As of Oct. 31, SA Quant's Top 10 Stocks for 2025 have significantly outperformed the S&P 500, gaining nearly 45% vs. the S&P 500's 18%. Two out of 10 stocks have delivered triple-digit returns, with Celestica delivering an incredible 236% since it was selected on Jan. 9, 2025. While only three stocks are Quant-rated ‘Buy' or ‘Strong Buys,' the list remains fundamentally strong, with several stocks primed for long-term outperformance.

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image for news Top 10 Quant Stocks Of 2025 Up 45%
OppFi: Remaining Bullish Despite The Noise
OPFI
Published: November 03, 2025 by: Seeking Alpha
Sentiment: Positive

OppFi continues to deliver very strong quarterly results with another beat and raise in Q3. Company's Model 6 credit model has enabled OppFi to implement better credit controls while improving the underlying profitability. Stock has been volatile throughout the year, and the recent pullback is attractive. It does not take anything heroic for the stock to be a big winner.

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image for news OppFi: Remaining Bullish Despite The Noise
Looking for a Growth Stock? 3 Reasons Why OppFi (OPFI) is a Solid Choice
OPFI
Published: October 30, 2025 by: Zacks Investment Research
Sentiment: Positive

OppFi (OPFI) is well positioned to outperform the market, as it exhibits above-average growth in financials.

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image for news Looking for a Growth Stock? 3 Reasons Why OppFi (OPFI) is a Solid Choice
OppFi (OPFI) May Find a Bottom Soon, Here's Why You Should Buy the Stock Now
OPFI
Published: October 30, 2025 by: Zacks Investment Research
Sentiment: Positive

After losing some value lately, a hammer chart pattern has been formed for OppFi (OPFI), indicating that the stock has found support. This, combined with an upward trend in earnings estimate revisions, could lead to a trend reversal for the stock in the near term.

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image for news OppFi (OPFI) May Find a Bottom Soon, Here's Why You Should Buy the Stock Now
Best Value Stock to Buy for Oct. 30th
EBMT, OPBK, OPFI
Published: October 30, 2025 by: Zacks Investment Research
Sentiment: Positive

OPFI, OPBK and EBMT made it to the Zacks Rank #1 (Strong Buy) value stocks list on October 30, 2025.

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image for news Best Value Stock to Buy for Oct. 30th
Stonegate Capital Partners Updates 3Q25 Report on OppFi, Inc. (OPFI)
OPFI
Published: October 30, 2025 by: Newsfile Corp
Sentiment: Neutral

Dallas, Texas--(Newsfile Corp. - October 30, 2025) - OppFi, Inc. (NYSE: OPFI) : Stonegate Capital Partners Updates Coverage on OppFi (NYSE: OPFI). OPFI reported revenue, adj.

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image for news Stonegate Capital Partners Updates 3Q25 Report on OppFi, Inc. (OPFI)
OppFi Inc. (OPFI) Q3 2025 Earnings Call Transcript
OPFI
Published: October 29, 2025 by: Seeking Alpha
Sentiment: Neutral

OppFi Inc. ( OPFI ) Q3 2025 Earnings Call October 29, 2025 9:00 AM EDT Company Participants Mike Gallentine Todd Schwartz - Founder, Executive Chairman & CEO Pamela Johnson - CFO & Chief Accounting Officer Conference Call Participants David Scharf - Citizens JMP Securities, LLC, Research Division Mike Grondahl - Northland Capital Markets, Research Division Kyle Joseph - Stephens Inc., Research Division Robert Lynch Presentation Operator Good morning, and welcome to OppFi's Third Quarter 2025 Earnings Conference Call. [Operator Instructions] As a reminder, this conference call is being recorded.

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image for news OppFi Inc. (OPFI) Q3 2025 Earnings Call Transcript
OppFi Inc. (OPFI) Q3 Earnings and Revenues Beat Estimates
OPFI
Published: October 29, 2025 by: Zacks Investment Research
Sentiment: Positive

OppFi Inc. (OPFI) came out with quarterly earnings of $0.46 per share, beating the Zacks Consensus Estimate of $0.31 per share. This compares to earnings of $0.33 per share a year ago.

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image for news OppFi Inc. (OPFI) Q3 Earnings and Revenues Beat Estimates
OppFi Reports Record Quarterly Revenue, Net Income, and Adjusted Net Income and Increases Full Year Guidance
OPFI
Published: October 29, 2025 by: PRNewsWire
Sentiment: Neutral

Net income increased 136.9% year over year to $75.9 million, a Company record for any quarter Adjusted net income1 increased 41.4% year over year to $40.7 million, a Company record for any quarter Total revenue increased 13.5% year over year to $155.1 million, a Company record for any quarter Raised full year revenue guidance to between $590 million and $605 million, adjusted net income1 to between $137 million and $142 million, and adjusted EPS to between $1.54 and $1.60 CHICAGO , Oct. 29, 2025 /PRNewswire/ -- OppFi Inc. (NYSE: OPFI) ("OppFi" or the "Company"), a tech-enabled digital finance platform that …

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image for news OppFi Reports Record Quarterly Revenue, Net Income, and Adjusted Net Income and Increases Full Year Guidance
Four Growth Stocks Powering The Fourth Industrial Revolution In 2025
AENT, AGX, CRM, DAVE, KINS, LMB, OPFI, POWL, PSIX, STRL
Published: October 28, 2025 by: Seeking Alpha
Sentiment: Positive

I review four growth stocks—Argan, Inc., Power Solutions International, Inc., Powell Industries, Inc., and Sterling Infrastructure, Inc.—benefiting from the Fourth Industrial Revolution. STRL and PSIX receive Strong Buy ratings due to robust earnings growth, expanding backlogs, and strong industry tailwinds, while POWL and AGX are rated Hold as valuations reflect future growth. POWL and AGX have delivered impressive returns but may face near-term pullbacks; both maintain strong backlogs and financial health, supporting multi-year growth potential.

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image for news Four Growth Stocks Powering The Fourth Industrial Revolution In 2025
OPFI vs. SOFI: Which Fintech Credit Stock Is the Better Buy Right Now?
OPFI, SOFI
Published: October 27, 2025 by: Zacks Investment Research
Sentiment: Positive

OppFi's niche subprime strategy and rising earnings contrast with SoFi Technologies' scale-driven growth and expanding profitability. Let us determine which fintech stock looks stronger now.

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image for news OPFI vs. SOFI: Which Fintech Credit Stock Is the Better Buy Right Now?
How Should You Play OppFi Stock Ahead of Q3 Earnings Release?
OPFI
Published: October 27, 2025 by: Zacks Investment Research
Sentiment: Positive

As OPFI readies third-quarter 2025 results, investors eye its AI-powered lending gains, lower charge-offs and strong liquidity footing.

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image for news How Should You Play OppFi Stock Ahead of Q3 Earnings Release?
OppFi Soars 104% in a Year: Should You Buy, Sell or Hold the Stock?
OPFI
Published: October 08, 2025 by: Zacks Investment Research
Sentiment: Positive

OPFI's 104% yearly surge, solid risk controls and discounted valuation tempt investors. Let us determine whether it is time to buy, sell or hold.

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image for news OppFi Soars 104% in a Year: Should You Buy, Sell or Hold the Stock?
OppFi's NCO Rate Falling: Is Risk Mitigation Strategy Paying Off?
OPFI
Published: October 03, 2025 by: Zacks Investment Research
Sentiment: Negative

OPFI's NCO rate keeps falling as AI-driven underwriting and risk strategies fuel record revenues and profit growth.

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image for news OppFi's NCO Rate Falling: Is Risk Mitigation Strategy Paying Off?
OPFI vs. FUTU: Which Fintech Stock Is the Smarter Buy Right Now?
FUTU, OPFI
Published: September 23, 2025 by: Zacks Investment Research
Sentiment: Positive

OppFi lifts guidance with AI-driven lending growth and strong credit quality, while Futu Holdings posts surging revenues and margins.

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image for news OPFI vs. FUTU: Which Fintech Stock Is the Smarter Buy Right Now?
OppFi Soars 139% in a Year: Should You Buy the Stock Now or Wait?
OPFI
Published: September 11, 2025 by: Zacks Investment Research
Sentiment: Positive

OPFI's customer-first model, AI-driven approvals and rising guidance showcase its long-term growth momentum.

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image for news OppFi Soars 139% in a Year: Should You Buy the Stock Now or Wait?
OPFI Lifts EPS Guidance for 2025: Can It Meet the Expectation?
OPFI
Published: September 04, 2025 by: Zacks Investment Research
Sentiment: Positive

OppFi raises the bar with a new 2025 EPS target, backed by soaring adjusted net income growth.

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image for news OPFI Lifts EPS Guidance for 2025: Can It Meet the Expectation?
How Much Upside is Left in OppFi (OPFI)? Wall Street Analysts Think 36.05%
OPFI
Published: September 03, 2025 by: Zacks Investment Research
Sentiment: Positive

The mean of analysts' price targets for OppFi (OPFI) points to a 36.1% upside in the stock. While this highly sought-after metric has not proven reasonably effective, strong agreement among analysts in raising earnings estimates does indicate an upside in the stock.

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image for news How Much Upside is Left in OppFi (OPFI)? Wall Street Analysts Think 36.05%
3 Reasons Why Growth Investors Shouldn't Overlook OppFi (OPFI)
OPFI
Published: August 28, 2025 by: Zacks Investment Research
Sentiment: Positive

OppFi (OPFI) is well positioned to outperform the market, as it exhibits above-average growth in financials.

Read More
image for news 3 Reasons Why Growth Investors Shouldn't Overlook OppFi (OPFI)
OppFi Publishes Supplemental Information Regarding its Warrants
OPFI
Published: August 21, 2025 by: PRNewsWire
Sentiment: Neutral

CHICAGO , Aug. 21, 2025 /PRNewswire/ -- OppFi Inc. (NYSE: OPFI) ("OppFi" or the "Company"), a tech-enabled digital finance platform that partners with banks to offer financial products and services to everyday Americans, announced today that it has published supplemental information regarding its outstanding warrants to purchase shares of the Company's Class A common stock. "As OppFi continues to deliver strong performance and as our outstanding public warrants are now within one year of expiration, we wanted to provide our stockholders and potential investors with supplemental information to allow them to evaluate the potential positive impacts and other effects of …

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image for news OppFi Publishes Supplemental Information Regarding its Warrants
Is OppFi (OPFI) a Solid Growth Stock? 3 Reasons to Think "Yes"
OPFI
Published: August 12, 2025 by: Zacks Investment Research
Sentiment: Positive

OppFi (OPFI) could produce exceptional returns because of its solid growth attributes.

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image for news Is OppFi (OPFI) a Solid Growth Stock? 3 Reasons to Think "Yes"
New Strong Buy Stocks for August 11th
BHB, GILT, OPFI, TPC, WTS
Published: August 11, 2025 by: Zacks Investment Research
Sentiment: Positive

TPC, OPFI, BHB, WTS and GILT have been added to the Zacks Rank #1 (Strong Buy) List on August 11, 2025.

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image for news New Strong Buy Stocks for August 11th
Best Value Stocks to Buy for August 11th
CZFS, MPAA, OPFI
Published: August 11, 2025 by: Zacks Investment Research
Sentiment: Positive

MPAA, OPFI and CZFS made it to the Zacks Rank #1 (Strong Buy) value stocks list on August 11, 2025.

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image for news Best Value Stocks to Buy for August 11th
OppFi: Better Outlook After Strong Q2 Results (Rating Upgrade)
OPFI
Published: August 10, 2025 by: Seeking Alpha
Sentiment: Positive

OppFi has turned around its business, resolving prior loan performance issues, and the company is now delivering record results. Q2 results showed moderate revenue growth but strong profitability, with rising loan yields and improving credit performance. At less than 8x forward earnings, OPFI offers an appealing valuation.

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image for news OppFi: Better Outlook After Strong Q2 Results (Rating Upgrade)
What Makes OppFi (OPFI) a New Buy Stock
OPFI
Published: August 08, 2025 by: Zacks Investment Research
Sentiment: Positive

OppFi (OPFI) might move higher on growing optimism about its earnings prospects, which is reflected by its upgrade to a Zacks Rank #2 (Buy).

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image for news What Makes OppFi (OPFI) a New Buy Stock
OppFi Inc. (OPFI) Q2 2025 Earnings Call Transcript
OPFI
Published: August 06, 2025 by: Seeking Alpha
Sentiment: Neutral

OppFi Inc. (NYSE:OPFI ) Q2 2025 Earnings Conference Call August 6, 2025 9:00 AM ET Company Participants Mike Gallentine - Corporate Participant Pamela D. Johnson - CFO & Chief Accounting Officer Todd G.

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image for news OppFi Inc. (OPFI) Q2 2025 Earnings Call Transcript
OppFi Inc. (OPFI) Beats Q2 Earnings and Revenue Estimates
OPFI
Published: August 06, 2025 by: Zacks Investment Research
Sentiment: Positive

OppFi Inc. (OPFI) came out with quarterly earnings of $0.45 per share, beating the Zacks Consensus Estimate of $0.3 per share. This compares to earnings of $0.29 per share a year ago.

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image for news OppFi Inc. (OPFI) Beats Q2 Earnings and Revenue Estimates
Should OppFi Shares Be in Your Portfolio Pre-Q2 Earnings?
OPFI
Published: August 01, 2025 by: Zacks Investment Research
Sentiment: Neutral

OPFI's rapid growth and strong AI-driven model face a second-quarter 2025 test, with earnings unlikely to surprise this time.

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image for news Should OppFi Shares Be in Your Portfolio Pre-Q2 Earnings?

About OppFi Inc. (OPFI)

  • IPO Date 2020-11-20
  • Website https://www.oppfi.com
  • Industry Software - Application
  • CEO Todd G. Schwartz
  • Employees 445

OppFi Inc. operates a financial technology platform that allows banks to offer lending products. Its platform facilitates the OppLoan, an installment loan product; SalaryTap, a payroll deduction secured installment loan product; and OppFi Card, a credit card product. The company is based in Chicago, Illinois.