OppFi (OPFI)
NYSE:OPFI
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OppFi
(NYSE:OPFI)
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Rating:74Outperform
Price Target:
$10.50
▲(18.51% Upside)
Action:ReiteratedDate:04/30/26
The score is driven primarily by strong cash flow and improved profitability, reinforced by constructive 2026 growth guidance. Valuation is supportive with a low P/E, while technicals are mixed (near-term momentum but still below longer-term averages) and balance-sheet/credit-risk considerations and acquisition execution risk temper the overall rating.
Positive Factors
Strong cash generation
Sustained operating and free cash flow of roughly $401M signals durable cash conversion and high earnings quality. This provides internal funding for product builds, debt paydowns, and capital actions, reducing reliance on external financing and supporting medium‑term strategic flexibility.
Negative Factors
Sharp revenue contraction in 2025
A large top-line drop undermines the durability of recent margin gains: sustained profitability depends on originations and receivables growth. Reaccelerating revenue is necessary to validate operating leverage and ensure cash flow strength persists beyond short‑term efficiency gains.
Read all positive and negative factors
Positive Factors
Negative Factors
Strong cash generation
Sustained operating and free cash flow of roughly $401M signals durable cash conversion and high earnings quality. This provides internal funding for product builds, debt paydowns, and capital actions, reducing reliance on external financing and supporting medium‑term strategic flexibility.
Read all positive factors
OppFi (OPFI) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$826.08M
Dividend YieldN/A
Average Volume (3M)446.86K
Price to Earnings (P/E)4.1
Beta (1Y)1.73
Revenue Growth13.52%
EPS Growth111.04%
CountryUS
Employees445
SectorFinancial
Sector Strength70
IndustrySoftware - Application
Share Statistics
EPS (TTM)0.83
Shares Outstanding26,739,319
10 Day Avg. Volume353,910
30 Day Avg. Volume446,858
Financial Highlights & Ratios
PEG Ratio0.06
Price to Book (P/B)4.74
Price to Sales (P/S)0.46
P/FCF Ratio0.73
Enterprise Value/Market Cap1.31
Enterprise Value/Revenue1.81
Enterprise Value/Gross Profit1.90
Enterprise Value/Ebitda5.38
Forecast
1Y Price Target
$14.00Price Target Upside58.01% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering3
EPS Forecast (FY)1.78
Revenue Forecast (FY)$661.93M
OppFi Business Overview & Revenue Model
Company Description
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 ...
How the Company Makes Money
OppFi primarily makes money from interest income and related finance charges earned on consumer credit products offered through its platform. A significant portion of its business is conducted via bank partnership programs (often structured as “ba...
OppFi Earnings Call Summary
Earnings Call Date:Mar 11, 2026
(Q4-2025)
| % Change Since: |
Next Earnings Date:May 07, 2026
Earnings Call Sentiment Positive
The call emphasized multiple strong operating and financial outcomes: record revenues, sizable increases in GAAP and adjusted net income, improved yields, materially lower operating expense ratios, strengthened liquidity and capacity, and constructive 2026 guidance. Management acknowledged credit stress from summer vintages that temporarily raised Q4 net charge-offs and flagged macro risks (inflation/gas prices) and partner retention nuances as items to monitor, but outlined clear remediation and upgrade plans (Model 6.1, Model 7.0, LOLA, targeted marketing and risk-based pricing). On balance, positive operational and financial momentum and explicit remediation plans outweighed the near-term credit headwinds.Positive Updates
Record Revenue and Strong Full-Year Growth
Total revenue for fiscal 2025 was $597,000,000, up 14% year over year; full-year revenue yield increased to 133% from 131%.
Negative Updates
Higher Delinquencies from Summer Vintages
Management reported higher delinquencies on loans originated in the summer; early indicators improved in December and January but summer vintages drove near-term stress.
Read all updates
Q4-2025 Updates
Positive
Negative
Record Revenue and Strong Full-Year Growth
Total revenue for fiscal 2025 was $597,000,000, up 14% year over year; full-year revenue yield increased to 133% from 131%.
Read all positive updates
Company Guidance
OppFi's 2026 full‑year guidance calls for total revenues of $650M–$675M (up 9%–13% vs. 2025 revenue of $597M), adjusted net income of $153M–$160M (up 9%–14% vs. 2025 adjusted net income of $140M), and adjusted EPS of $1.76–$1.84 based on an anticipated diluted weighted‑average share count of 87.0M (EPS up 11%–16% from 2025's $1.59); management reiterated an expectation of double‑digit top‑ and bottom‑line growth supported by improving early vintage metrics and ongoing operational and model initiatives.OppFi Financial Statement Overview
Summary
Income Statement
72
Positive
Balance Sheet
58
Neutral
Cash Flow
86
Very Positive
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 597.05M | 525.96M | 508.95M | 452.86M | 350.57M |
| Gross Profit | 567.71M | 420.78M | 401.52M | 357.72M | 261.40M |
| EBITDA | 200.66M | 308.60M | 290.51M | 244.77M | 100.53M |
| Net Income | 26.33M | 7.26M | -1.00M | 7.10M | 25.55M |
Balance Sheet | |||||
| Total Assets | 754.09M | 641.17M | 601.54M | 579.84M | 502.11M |
| Cash, Cash Equivalents and Short-Term Investments | 93.26M | 61.34M | 31.79M | 16.24M | 25.06M |
| Total Debt | 339.29M | 332.05M | 349.18M | 363.62M | 274.02M |
| Total Liabilities | 445.21M | 406.96M | 407.51M | 420.69M | 344.23M |
| Stockholders Equity | 58.48M | 32.77M | 10.44M | -494.00K | -9.04M |
Cash Flow | |||||
| Free Cash Flow | 382.19M | 310.80M | 287.15M | 230.05M | 152.97M |
| Operating Cash Flow | 401.31M | 323.81M | 296.15M | 243.30M | 167.35M |
| Investing Cash Flow | -307.80M | -243.44M | -244.29M | -317.24M | -199.47M |
| Financing Cash Flow | -88.53M | -66.02M | -27.58M | 61.26M | 48.83M |
OppFi Technical Analysis
Neutral
8.86
Price Trends
8.56
Positive
9.39
Negative
10.05
Negative
Market Momentum
0.02
Negative
64.25
Neutral
91.27
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For OPFI, the sentiment is Neutral. The current price of 8.86 is above the 20-day moving average (MA) of 8.03, above the 50-day MA of 8.56, and below the 200-day MA of 10.05, indicating a neutral trend. The MACD of 0.02 indicates Negative momentum. The RSI at 64.25 is Neutral, neither overbought nor oversold. The STOCH value of 91.27 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for OPFI.
OppFi Risk Analysis
OppFi disclosed 92 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
UnderperformOutperform
Sector (68)
OPFI
OppFi
9.67
-0.19
-1.93%
MAPS
WM Technology
0.35
-0.84
-70.76%
BMBL
Bumble
4.27
-0.29
-6.36%
OppFi Corporate Events
Business Operations and StrategyM&A TransactionsRegulatory Filings and Compliance
OppFi to Acquire BNCCORP and Form OppFi Bank
Positive
Apr 29, 2026
On April 28, 2026, OppFi agreed to acquire BNCCORP, Inc. and its subsidiary BNC National Bank in a cash-and-stock deal valued at about $130 million, with BNCC to be merged into an OppFi unit and BNC ultimately renamed OppFi Bank, N.A. The boards o...
Business Operations and StrategyPrivate Placements and Financing
OppFi Converts Gray Rock Swaps to Direct Receivables Ownership
Positive
Apr 16, 2026
On April 10, 2026, OppFi’s lending subsidiaries amended a revolving credit agreement with Midtown Madison Management to expand the states from which bank-partner-originated receivables can be financed and to adjust eligibility and concentrat...
Business Operations and StrategyFinancial Disclosures
OppFi Reports Record Q4 2025 Revenue and Profitability
Positive
Mar 11, 2026
On March 11, 2026, OppFi reported its fourth-quarter 2025 results, highlighting record performance across key metrics, including total revenue of $159.2 million, up 17.3% year over year. The company also set a new quarterly high in ending receivab...
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.