OppFi (OPFI) AI Stock Analysis

• Market Cap: $888.78M
• Dividend Yield: N/A
• Average Volume (3M): 885.12K
• Price to Earnings (P/E): ―
• Beta (1Y): 1.54
• Revenue Growth: 6.79%
• EPS Growth: -593.75%
• Country: US
• Employees: 445
• Sector: Financial
• Sector Strength: 70
• Industry: Software - Application
• EPS (TTM): 0.45
• Shares Outstanding: 28,357,891
• 10 Day Avg. Volume: 666,360
• 30 Day Avg. Volume: 885,119
• 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: 0.92
• Enterprise Value/Revenue: 1.48
• Enterprise Value/Gross Profit: 1.73
• Enterprise Value/Ebitda: 4.31
• 1Y Price Target: $15.00
• Price Target Upside: 47.35% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 2

• Rating: 57 Neutral
• Price Target: $10.00 ▼(-1.77% Downside)

OppFi's overall stock score reflects strong earnings performance and cash flow management, but is weighed down by technical indicators showing bearish trends and valuation concerns due to negative profitability. The earnings call provided positive guidance, but macroeconomic risks and high leverage remain significant challenges.

Positive Factors

Revenue Growth

The increased revenue guidance for 2025 indicates strong growth prospects, reflecting the company's ability to expand its market presence and enhance financial performance.

Technological Advancements

The launch of LOLA, a new loan origination system, is expected to improve customer experience and operational efficiency, providing a competitive edge in the fintech sector.

Cash Flow Management

Strong cash flow management with a healthy growth rate enhances financial stability, allowing the company to reinvest in growth opportunities and manage debt effectively.

Negative Factors

High Leverage

The significant leverage indicated by a high debt-to-equity ratio poses financial risks, potentially limiting the company's ability to invest in growth and weather economic downturns.

Profitability Challenges

Negative net profit margins highlight ongoing profitability challenges, which could impact long-term financial health and investor confidence if not addressed.

Macroeconomic Concerns

Macroeconomic uncertainties, including inflation and unemployment, could adversely affect consumer spending and loan repayment, impacting OppFi's 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 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

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

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

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.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	555.03M	525.96M	508.95M	452.86M	350.57M	188.17M
Gross Profit	474.03M	420.78M	388.98M	344.67M	239.42M	188.17M
EBITDA	190.44M	308.60M	100.86M	55.32M	118.20M	103.53M
Net Income	-33.50M	7.26M	-1.00M	7.10M	25.55M	77.52M
Balance Sheet
Total Assets	673.38M	641.17M	601.54M	579.84M	502.11M	285.84M
Cash, Cash Equivalents and Short-Term Investments	45.23M	61.34M	31.79M	49.67M	25.06M	25.60M
Total Debt	322.19M	332.05M	349.18M	363.62M	274.02M	158.10M
Total Liabilities	455.67M	406.96M	407.51M	420.69M	344.23M	186.51M
Stockholders Equity	13.35M	32.77M	10.44M	-494.00K	-9.04M	99.33M
Cash Flow
Free Cash Flow	334.11M	310.80M	287.15M	230.05M	152.97M	181.39M
Operating Cash Flow	351.43M	323.81M	296.15M	243.30M	167.35M	192.11M
Investing Cash Flow	-281.66M	-243.44M	-244.29M	-317.24M	-199.47M	-98.31M
Financing Cash Flow	-72.34M	-66.02M	-27.58M	61.26M	48.83M	-84.12M

OppFi Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 10.18
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

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 10.18 is below the 20-day moving average (MA) of 10.24, below the 50-day MA of 10.54, and below the 200-day MA of 11.17, indicating a bearish trend. The MACD of -0.30 indicates Negative momentum. The RSI at 48.17 is Neutral, neither overbought nor oversold. The STOCH value of 57.94 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for OPFI.

OppFi Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
Sector *	―	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
MAPS	―	$187.09M	13.76	22.69%	―	2.37%	―
OPFI	―	$888.78M	―	-209.49%	―	6.79%	-593.75%
ONTF	―	$239.45M	―	-22.60%	―	-6.88%	15.83%
OCFT	―	$299.65M	-3.01	-24.21%	―	-48.61%	-2291.48%
BMBL	―	$611.58M	―	-75.71%	―	-5.06%	-2318.18%

OppFi Corporate Events

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.

The most recent analyst rating on (OPFI) stock is a Buy with a $14.00 price target. To see the full list of analyst forecasts on OppFi stock, see the OPFI Stock Forecast page.

OppFi Expands Share Repurchase Program by $20 Million

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.

OppFi Publishes Supplemental Information on Warrants

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.

OppFi Inc. Reports Record Revenue and Raises Guidance

OppFi Inc. is a tech-enabled digital finance platform that collaborates with banks to offer financial products and services to underserved Americans, focusing on financial inclusion and customer satisfaction. In its latest earnings report, OppFi announced record quarterly revenue and adjusted net income, alongside an increase in full-year revenue and adjusted net income guidance. The company reported a 12.8% increase in total revenue to $142.4 million and a 59.0% rise in adjusted net income to $39.4 million, marking record highs for any quarter. Despite a 58.5% decrease in GAAP net income to $11.5 million, OppFi’s strategic operational improvements and credit enhancements have driven significant growth. The company also reported a decrease in net charge-off rates and an increase in average yield, indicating improved financial health. Looking forward, OppFi has raised its full-year revenue guidance to between $578 million and $605 million and adjusted net income guidance to between $125 million and $130 million, reflecting confidence in its ongoing growth and value creation strategies.

OppFi Inc. Earnings Call Highlights Strong Growth

The recent earnings call for OppFi Inc. painted a picture of robust financial health and growth, underpinned by technological advancements and improved credit metrics. Despite some concerns over macroeconomic risks and a notable drop in GAAP net income due to noncash charges, the call was largely positive, emphasizing the company’s successful initiatives and financial achievements.

OppFi Reports Record Q2 Revenue and Adjusted Income

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.