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OppFi (OPFI)
NYSE:OPFI
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OppFi (OPFI) AI Stock Analysis

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OPFI

OppFi

(NYSE:OPFI)

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Neutral 60 (OpenAI - 4o)
Rating:60Neutral
Price Target:
$11.50
▲(13.52% Upside)
OppFi's overall stock score is driven by strong earnings performance and positive cash flow metrics. However, challenges with profitability, high leverage, and a negative P/E ratio weigh on the score. Technical indicators suggest potential bearish momentum, while the earnings call provides a positive outlook with increased guidance.
Positive Factors
Revenue Growth
Consistent revenue growth indicates strong market demand and effective business strategies, enhancing long-term financial stability.
Technological Advancements
The new loan origination system, LOLA, is expected to improve efficiency and customer satisfaction, strengthening competitive advantage.
Cash Flow Generation
Robust cash flow generation supports debt servicing and potential investments, providing a cushion for financial flexibility.
Negative Factors
High Leverage
High leverage can strain financial resources, limiting the company's ability to invest in growth and handle economic downturns.
Net Profitability Challenges
Challenges in achieving net profitability could hinder long-term growth and investor confidence, impacting financial health.
Macroeconomic Concerns
Macroeconomic uncertainties could affect consumer spending and borrowing, impacting OppFi's revenue and profitability.

OppFi (OPFI) vs. SPDR S&P 500 ETF (SPY)

OppFi Business Overview & Revenue Model

Company DescriptionOppFi 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.
How the Company Makes MoneyOppFi makes money primarily through the interest and fees associated with the installment loans it provides to consumers. The company utilizes its technology platform to underwrite and service these loans, generating revenue from the interest payments made by borrowers. Additionally, OppFi partners with banks to facilitate these loans, allowing them to reach a broader customer base while adhering to regulatory requirements. The company's revenue model relies on the volume of loans issued and the interest rates applied, which are typically higher than those offered by traditional banks due to the higher risk associated with their target customer base.

OppFi Earnings Call Summary

Earnings Call Date:Aug 06, 2025
(Q2-2025)
|
% Change Since: |
Next Earnings Date:Nov 06, 2025
Earnings Call Sentiment Positive
The earnings call reflects a strong quarterly performance with record revenue and income, driven by technological advancements and improved operational efficiencies. However, there are concerns about macroeconomic factors and a significant noncash charge affecting GAAP net income.
Q2-2025 Updates
Positive Updates
Record Quarter Performance
OppFi achieved record quarterly revenue, adjusted net income, and operating margin in Q2 2025, with a 14% increase in total net originations and a 13% increase in revenue year-over-year.
Strong Financial Metrics
Adjusted net income increased 59% year-over-year, reaching a quarterly record of $39 million. Net revenue increased 16% to $100 million, and finance receivables grew by 13% to $438 million.
Technological Advancements
Introduction of the new loan origination lending application named LOLA, expected to enhance customer experiences and increase operational efficiencies through AI integration.
Improved Underwriting and Customer Experience
The auto approval rate improved to 80% in Q2 2025, up from 76% in Q2 2024, and OppLoans maintained high customer satisfaction with a 79 NPS score and a CSAT score of 89%.
Guidance Increase
Full year 2025 revenue guidance increased to between $578 million and $605 million, with adjusted net income expected to increase by 51% to 57% compared to 2024.
Negative Updates
GAAP Net Income Decline
GAAP net income decreased by 59% to $11 million due to a $33 million noncash charge related to the change in fair value of outstanding warrants.
Macroeconomic Concerns
Caution expressed regarding macroeconomic factors such as tariffs, inflation, and unemployment, which could impact future performance.
Seasonal Softness Expected
Guidance takes into account the second half of 2025 being seasonally softer, which might affect overall performance.
Company Guidance
During OppFi's Second Quarter 2025 Earnings Conference Call, the company revealed a record quarter, marked by a 13% increase in revenue to $142 million and a 59% rise in adjusted net income compared to the previous year. The auto approval rate improved to 80%, boosting net revenue by 16%. The net charge-off rate improved to 32% of revenue, and finance receivables grew by 13% to $438 million. Due to these results, OppFi increased its full-year revenue guidance to between $578 million and $605 million, representing a 10% to 15% increase from 2024. The company also adjusted its net income guidance to between $125 million and $130 million, with adjusted EPS expected to range from $1.39 to $1.44. The introduction of the new loan origination system, LOLA, is expected to enhance customer experiences and operational efficiencies.

OppFi Financial Statement Overview

Summary
OppFi demonstrates strong revenue growth and robust cash flow generation, but struggles with net profitability and high leverage. The positive cash flow is a strength, yet improving net income and reducing debt are crucial for financial health.
Income Statement
65
Positive
OppFi has demonstrated consistent revenue growth from 2020 to 2025, with a notable increase in total revenue reaching $538.9 million TTM. Despite a positive gross profit margin over the years, the company has faced challenges in maintaining net profitability, highlighted by a negative net income in recent periods. The company's EBIT and EBITDA margins have also shown improvement, reflecting operational efficiencies, but the negative net profit margin indicates underlying profitability issues.
Balance Sheet
40
Negative
The balance sheet reveals a high debt-to-equity ratio due to substantial total debt relative to equity, posing a financial risk. While the equity ratio remains low, indicating limited equity financing, the company has managed to maintain a positive return on equity in some periods. However, the fluctuating and sometimes negative stockholders' equity poses a potential risk to financial stability.
Cash Flow
75
Positive
OppFi's cash flow statement shows a strong operating cash flow, with consistent positive free cash flow, indicating robust cash generation from operations. The company has also achieved a healthy free cash flow to net income ratio, although the significant variance in net income has impacted this metric. The free cash flow growth rate is promising, providing a cushion for debt servicing and potential investments.
BreakdownTTMDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue555.03M525.96M508.95M452.86M350.57M188.17M
Gross Profit474.03M420.78M388.98M344.67M239.42M188.17M
EBITDA190.44M308.60M100.86M55.32M118.20M103.53M
Net Income-33.50M7.26M-1.00M7.10M25.55M77.52M
Balance Sheet
Total Assets673.38M641.17M601.54M579.84M502.11M285.84M
Cash, Cash Equivalents and Short-Term Investments45.23M61.34M31.79M49.67M25.06M25.60M
Total Debt322.19M332.05M349.18M363.62M274.02M158.10M
Total Liabilities455.67M406.96M407.51M420.69M344.23M186.51M
Stockholders Equity13.35M32.77M10.44M-494.00K-9.04M99.33M
Cash Flow
Free Cash Flow334.11M310.80M287.15M230.05M152.97M181.39M
Operating Cash Flow351.43M323.81M296.15M243.30M167.35M192.11M
Investing Cash Flow-281.66M-243.44M-244.29M-317.24M-199.47M-98.31M
Financing Cash Flow-72.34M-66.02M-27.58M61.26M48.83M-84.12M

OppFi Technical Analysis

Technical Analysis Sentiment
Negative
Last Price10.13
Price Trends
50DMA
10.75
Negative
100DMA
11.76
Negative
200DMA
11.02
Negative
Market Momentum
MACD
-0.04
Positive
RSI
37.51
Neutral
STOCH
8.60
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For OPFI, the sentiment is Negative. The current price of 10.13 is below the 20-day moving average (MA) of 11.28, below the 50-day MA of 10.75, and below the 200-day MA of 11.02, indicating a bearish trend. The MACD of -0.04 indicates Positive momentum. The RSI at 37.51 is Neutral, neither overbought nor oversold. The STOCH value of 8.60 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for OPFI.

OppFi Risk Analysis

OppFi disclosed 94 risk factors in its most recent earnings report. OppFi reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks

OppFi Peers Comparison

Overall Rating
UnderperformOutperform
Sector (68)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
68
Neutral
$18.00B11.429.92%3.81%9.73%1.22%
65
Neutral
$182.37M13.2922.69%2.37%
60
Neutral
$946.40M50.49-209.49%6.79%-593.75%
54
Neutral
$240.30M-22.60%-6.88%15.83%
49
Neutral
$614.70M-75.71%-5.06%-2318.18%
46
Neutral
$294.64M50.30-24.21%-48.61%-2291.48%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
OPFI
OppFi
10.13
5.38
113.26%
OCFT
OneConnect Financial Technology
7.53
3.91
108.01%
MAPS
WM Technology
1.15
0.28
32.18%
NUKK
Nukkleus
8.14
5.78
244.92%
ONTF
ON24
5.49
-0.56
-9.26%
BMBL
Bumble
5.82
-0.56
-8.78%

OppFi Corporate Events

Stock Buyback
OppFi Expands Share Repurchase Program by $20 Million
Positive
Aug 26, 2025

On August 26, 2025, OppFi Inc. announced an increase in its share repurchase program, authorizing an additional $20 million for the repurchase of its Class A common stock, bringing the total authorization to $40 million. This move reflects the company’s confidence in its long-term growth prospects and commitment to returning value to shareholders, with repurchases to be made based on market conditions and other factors. The repurchase program, which does not obligate the company to buy a specific amount, will expire in April 2027.

The most recent analyst rating on (OPFI) stock is a Hold with a $10.00 price target. To see the full list of analyst forecasts on OppFi stock, see the OPFI Stock Forecast page.

Private Placements and FinancingRegulatory Filings and Compliance
OppFi Publishes Supplemental Information on Warrants
Positive
Aug 21, 2025

On August 21, 2025, OppFi Inc. announced the publication of supplemental information regarding its outstanding warrants to purchase shares of its Class A common stock. This move aims to provide stockholders and potential investors with insights into the potential positive impacts of the warrants on OppFi’s capital structure, including the possibility of a significant capital infusion to support strategic initiatives if the warrants are exercised. This information is accessible on the company’s Investor Relations page and through a Current Report on Form 8-K filed with the SEC.

The most recent analyst rating on (OPFI) stock is a Hold with a $10.00 price target. To see the full list of analyst forecasts on OppFi stock, see the OPFI Stock Forecast page.

Business Operations and StrategyFinancial Disclosures
OppFi Reports Record Q2 Revenue and Adjusted Income
Positive
Aug 6, 2025

On August 6, 2025, OppFi Inc. announced its financial results for the second quarter ending June 30, 2025, reporting a record quarterly revenue of $142.4 million, a 12.8% increase year over year. Despite a decrease in GAAP net income by 58.5% to $11.5 million, the company achieved a record adjusted net income of $39.4 million, marking a 59.0% increase. The company also raised its full-year revenue guidance to $578 million to $605 million and adjusted net income guidance to $125 million to $130 million, citing operational improvements and a strong customer satisfaction rate as key drivers for these positive results.

The most recent analyst rating on (OPFI) stock is a Buy with a $10.00 price target. To see the full list of analyst forecasts on OppFi stock, see the OPFI Stock Forecast page.

Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.Date of analysis: Oct 03, 2025