OppFi (OPFI) AI Stock Analysis

• Market Cap: $948.26M
• Dividend Yield: N/A
• Average Volume (3M): 566.13K
• Price to Earnings (P/E): ―
• Beta (1Y): 1.47
• Revenue Growth: 9.63%
• EPS Growth: -112.71%
• Country: US
• Employees: 445
• Sector: Financial
• Sector Strength: 70
• Industry: Software - Application
• EPS (TTM): 0.46
• Shares Outstanding: 27,664,310
• 10 Day Avg. Volume: 459,860
• 30 Day Avg. Volume: 566,132
• PEG Ratio: -0.03
• Price to Book (P/B): 4.71
• Price to Sales (P/S): 0.29
• P/FCF Ratio: 0.50
• Enterprise Value/Market Cap: 1.57
• Enterprise Value/Revenue: 2.60
• Enterprise Value/Gross Profit: 3.16
• Enterprise Value/Ebitda: 4.09
• 1Y Price Target: $15.00
• Price Target Upside: 35.26% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 2
• EPS Forecast (FY): 1.53
• Revenue Forecast (FY): $596.37M

• Rating: 67 Neutral
• Price Target: $11.00 ▼(-0.81% Downside)

OppFi's overall stock score is driven by strong earnings performance and positive financial outlook, as highlighted in the recent earnings call. The company's solid cash flow and reduced leverage are positive factors, but challenges remain in profitability margins and valuation metrics. Technical analysis indicates short-term bullish momentum, but longer-term resistance is present.

Positive Factors

Revenue Growth

Consistent revenue growth indicates strong market demand and effective business strategies, supporting long-term financial stability.

Improved Leverage

Reduced leverage enhances financial flexibility and reduces risk, positioning the company for sustainable growth and resilience.

Strategic Credit Facility

The new credit facility reduces financing costs, supporting growth and improving the company's competitive position in the market.

Negative Factors

Profitability Margins

Low profitability margins suggest challenges in cost management and pricing, which could hinder long-term profitability and shareholder returns.

Increased Charge-Offs

Rising charge-offs indicate potential risk management issues, which could impact future earnings and necessitate adjustments in credit policies.

Slight Decrease in Yield

A decrease in yield may affect revenue generation and profitability, requiring strategic adjustments to maintain financial performance.

OppFi Business Overview & Revenue Model

Company Description

OppFi (OPFI) is a financial technology company specializing in providing consumer credit solutions to underbanked individuals in the United States. The company operates primarily in the fintech sector, offering a range of products including personal loans and credit products designed to meet the needs of consumers who may not qualify for traditional bank financing. Through its proprietary technology platform, OppFi aims to enhance financial access and empower customers with flexible payment options.

How the Company Makes Money

OppFi generates revenue primarily through the origination of loans and related fees. The company earns interest on the personal loans it issues, which typically feature higher interest rates compared to traditional loans due to the increased risk associated with lending to underbanked consumers. Additionally, OppFi collects various fees, such as origination fees and late payment fees, which contribute to its overall revenue. The company also benefits from partnerships with financial institutions and other fintech companies, which can provide additional revenue streams through referral arrangements or co-branded products. By leveraging technology to streamline the lending process, OppFi can effectively manage risk and operational costs, enhancing its profitability.

OppFi Financial Statement Overview

Summary

OppFi demonstrates a solid financial position with strong cash flow generation and improving leverage. While revenue growth is consistent, profitability margins remain a concern, and the company needs to focus on enhancing its net profit margins. The reduction in debt levels is a positive sign, but the company should continue to work on improving its return on equity to enhance shareholder value.

Income Statement

OppFi's income statement shows a mixed performance. The company has demonstrated consistent revenue growth, with a TTM revenue growth rate of 3.33%. However, profitability margins have been volatile, with a TTM net profit margin of 0.82%, which is relatively low for the industry. The gross profit margin has also decreased significantly in the TTM period compared to previous years. Despite these challenges, the company has managed to maintain a positive EBIT margin, indicating operational efficiency.

Balance Sheet

The balance sheet reveals a high debt-to-equity ratio, which has improved in the TTM period to 0.55 from much higher levels in previous years. This indicates a reduction in leverage, which is a positive sign. However, the return on equity (ROE) is relatively low at 9.83% in the TTM period, suggesting limited profitability from shareholders' equity. The equity ratio is not explicitly calculated, but the improvement in debt management is a positive development.

Cash Flow

OppFi's cash flow statement is strong, with a significant increase in free cash flow growth of 7.86% in the TTM period. The operating cash flow to net income ratio is robust at 1.51, indicating efficient cash generation relative to net income. The free cash flow to net income ratio is also healthy at 0.95, suggesting that the company is effectively converting its earnings into cash.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	573.52M	525.96M	508.95M	452.86M	350.57M	291.01M
Gross Profit	472.04M	420.78M	401.52M	357.72M	261.40M	246.82M
EBITDA	364.02M	308.60M	290.51M	244.77M	100.53M	103.53M
Net Income	3.87M	7.26M	-1.00M	7.10M	25.55M	77.52M
Balance Sheet
Total Assets	720.62M	641.17M	601.54M	579.84M	502.11M	285.84M
Cash, Cash Equivalents and Short-Term Investments	45.45M	61.34M	31.79M	16.24M	25.06M	25.60M
Total Debt	332.76M	332.05M	349.18M	363.62M	274.02M	158.10M
Total Liabilities	443.36M	406.96M	407.51M	420.69M	344.23M	186.51M
Stockholders Equity	49.42M	32.77M	10.44M	-494.00K	-9.04M	99.33M
Cash Flow
Free Cash Flow	360.37M	310.80M	287.15M	230.05M	152.97M	181.39M
Operating Cash Flow	378.99M	323.81M	296.15M	243.30M	167.35M	192.11M
Investing Cash Flow	-291.25M	-243.44M	-244.29M	-317.24M	-199.47M	-98.31M
Financing Cash Flow	-86.77M	-66.02M	-27.58M	61.26M	48.83M	-84.12M

OppFi Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 11.09
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For OPFI, the sentiment is Positive. The current price of 11.09 is above the 20-day moving average (MA) of 9.92, above the 50-day MA of 9.93, and above the 200-day MA of 10.73, indicating a bullish trend. The MACD of 0.26 indicates Negative momentum. The RSI at 67.73 is Neutral, neither overbought nor oversold. The STOCH value of 89.86 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for OPFI.

OppFi Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
OPFI	67 Neutral	$948.26M	―	9.19%	―	9.63%	-112.71%
MAPS	60 Neutral	$146.21M	14.53	18.24%	―	0.59%	―
ONTF	59 Neutral	$256.23M	―	-20.20%	―	-6.23%	28.57%
BMBL	51 Neutral	$417.13M	―	-25.34%	―	-7.43%	61.36%
OCFT	47 Neutral	$308.18M	-3.06	-24.21%	―	-48.61%	-2291.48%

OppFi Corporate Events

OppFi Reports Record Q3 2025 Financial Results

On October 29, 2025, OppFi Inc. announced record financial results for the third quarter ending September 30, 2025, with net income increasing by 136.9% year over year to $75.9 million and total revenue rising by 13.5% to $155.1 million. The company also raised its full-year revenue guidance to between $590 million and $605 million, reflecting strong performance and strategic positioning with improved operating efficiency and risk management strategies.

OppFi Secures New $150M Credit Facility

On September 29, 2025, OppFi Inc. announced the closure of a new $150 million revolving credit facility, replacing a prior facility. This new agreement, which has a four-year term, is expected to significantly reduce financing costs, with a lowered interest rate from SOFR + 7.5% to SOFR + 6.0%. The facility aims to support OppFi’s ongoing growth in finance receivables and further its mission of providing credit access to underserved Americans. A portion of the proceeds was used to repay the outstanding borrowings under the previous credit agreement, which was terminated without incurring early termination penalties. The new facility is seen as a testament to the strength and durability of OppFi’s business model, enhancing its industry positioning and operational growth.