OPFI

OppFi Inc
NYSEFINANCIAL SERVICESCREDIT SERVICES

Key Statistics

Market Cap
$598.16M
P/E Ratio
2.38
EPS
$2.95
Beta
1.82
52W High
$12.45
52W Low
$6.50
50-Day MA
$8.96
200-Day MA
$9.22
Dividend Yield
Profit Margin
31.10%
Forward P/E
5.04
PEG Ratio

About OppFi Inc

OppFi Inc. is a leading financial technology company specializing in innovative consumer lending solutions for the underbanked population. Utilizing its proprietary platform and advanced data analytics, OppFi delivers fair and transparent loan products that emphasize responsible lending through precise credit assessments driven by machine learning. The company's strong commitment to improving financial accessibility, combined with its focus on growth within the dynamic fintech sector, positions it well for future expansion and enhances its competitive edge in a rapidly evolving market. As a publicly traded firm, OppFi is poised to capitalize on emerging opportunities while maintaining its mission of empowering customers through tailored financial solutions.

Official WebsiteUSAFY End: December

Fundamentals

Revenue (TTM)$327.48M
Gross Profit (TTM)$327.48M
EBITDA
Operating Margin31.20%
Return on Equity58.20%
Return on Assets25.50%
Revenue/Share (TTM)$8.71
Book Value$4.86
Price-to-Book1.47
Price-to-Sales (TTM)1.83
EV/Revenue1.362
EV/EBITDA2.13
Quarterly Earnings Growth (YoY)266.40%
Quarterly Revenue Growth (YoY)-13.90%
Shares Outstanding$85.21M
Float$33.45M
% Insiders60.64%
% Institutions26.91%

Historical Volatility

HV 10-Day
149.28%
HV 20-Day
113.17%
HV 30-Day
94.48%
HV 60-Day
77.03%
HV Rank
99.2%

Volatility is currently expanding

Analyst Ratings

Consensus ($12.64 target)
1
Strong Buy
1
Buy
1
Hold

Latest News

OppFi's Guidance Cut Has Created Opportunity

OppFi trades at a steep discount, with shares at 4.37x forward non-GAAP earnings—over 60% below the sector median—despite resilient revenue and free cash flow growth. OPFI management tightened underwriting, sacrificing short-term volume for portfolio quality, margin stability, and long-term profitability, as evidenced by improved recoveries and disciplined expense control. The BNC National Bank acquisition is expected to be financially transformative, expanding OPFI's platform, boosting adjusted EPS by 25% in year one, and targeting 10% ROA and 35% ROE by 2028.

Seeking Alpha8/13/2026Positive
OppFi Q2 Earnings Call Highlights

OppFi NYSE: OPFI reported second-quarter 2026 revenue growth but lower adjusted earnings as the consumer lending platform invested in new products, technology infrastructure and its planned acquisition of BNC National Bank.

MarketBeat8/11/2026Neutral
OppFi Reports Second Quarter 2026 Results, Record Second Quarter Revenue

Total revenue increased 1.9% year over year to $145.2 million, a Company record for any second quarter Net income increased 36.0% year over year to $15.6 million CHICAGO, Aug. 10, 2026 /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, today reported financial results for the second quarter ended June 30, 2026. "The strategic transformation of OppFi continues to gain momentum as we execute against the initiatives that lay the foundation for our next chapter," said Todd Schwartz, CEO and Executive Chairman.

PRNewsWire8/10/2026Neutral
OppFi to Participate in August 2026 Conferences

CHICAGO, Aug. 4, 2026 /PRNewswire/ -- OppFi Inc. (NYSE: OPFI) ("OppFi" or the "Company"), a leading tech-enabled digital finance platform that works with banks to provide financial products and services for everyday Americans, today announced that Chief Executive Officer, Todd Schwartz, and Chief Financial Officer, Pam Johnson, will participate in the following conferences in August 2026: 8 th Annual Needham Virtual Fintech & Digital Transformation Conference Location: VirtualDate: August 13-14, 2026 2026 Seaport Research Partners Annual Summer Investor Conference Location: VirtualDate: August 18-19, 2026 To schedule a meeting with OppFi, please reach out to your Needham or Seaport representatives. About OppFi OppFi (NYSE: OPFI) is a leading tech-enabled digital finance platform that works with banks to provide financial products and services for everyday Americans.

PRNewsWire8/4/2026Neutral
OppFi Announces its Second Quarter 2026 Earnings Conference Call

CHICAGO, July 28, 2026 /PRNewswire/ -- OppFi Inc. (NYSE: OPFI) ("OppFi" or the "Company"), a leading tech-enabled digital finance platform that works with banks to provide financial products and services for everyday Americans, will report financial results for its second quarter 2026 after the market closes on Monday, August 10, 2026. Management will host a conference call on August 10, 2026, at 5:00 p.m.

PRNewsWire7/28/2026Neutral

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Data last updated: 8/18/2026