OppFi (OPFI) AI Stock Analysis

• Market Cap: $867.21M
• Dividend Yield: N/A
• Average Volume (3M): 1.09M
• Price to Earnings (P/E): 50.5
• Beta (1Y): 1.32
• Revenue Growth: 3.82%
• EPS Growth: -251.96%
• Country: US
• Employees: 445
• Sector: Financial
• Sector Strength: 64
• Industry: Software - Application
• EPS (TTM): 0.45
• Shares Outstanding: 26,172,900
• 10 Day Avg. Volume: 1,030,001
• 30 Day Avg. Volume: 1,093,526
• PEG Ratio: N/A
• Price to Book (P/B): 0.00
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 0.00
• Enterprise Value/Market Cap: 0.69
• Enterprise Value/Revenue: 1.11
• Enterprise Value/Gross Profit: 1.37
• Enterprise Value/Ebitda: 2.09
• 1Y Price Target: $14.67
• Price Target Upside: 43.12% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 3

• Rating: 59 Neutral
• Price Target: $10.50 ▲(2.44% Upside)

OppFi's overall stock score is driven by strong earnings call performance and robust cash flow generation, but is weighed down by technical indicators showing bearish momentum and valuation concerns due to profitability challenges. Addressing net income and leverage issues is crucial for future improvement.

Positive Factors

Earnings Growth

Strong fourth-quarter performance and guidance for continued earnings growth have led to a significant increase in share price.

Financial Performance

The company demonstrated operating leverage and improved credit performance, resulting in strong bottom-line outperformance.

Shareholder Returns

Aggressive capital return to shareholders with expected further buybacks at the current valuation highlights shareholder-friendly policies.

Negative Factors

Comparable Valuation

OppFi shares are considered fairly valued with no premium warranted compared to its closest comparable company, Enova International.

Dilution Concerns

SPAC-era warrants are expected to increase the diluted share count, posing a valuation hurdle for the company.

Stock Valuation

Analyst downgrades shares from Market Outperform to Market Perform due to valuation concerns at current levels.

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 credit card product. The company is based in Chicago, Illinois.

How the Company Makes Money

OppFi 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 Financial Statement Overview

Summary

OppFi demonstrates strong financial performance with impressive growth in revenue and profitability metrics, driven by efficient operations. The company's balance sheet is improving, though high leverage remains a concern. Cash flow management is a standout area, with substantial free cash flow generation enhancing financial flexibility.

Income Statement

OppFi shows strong revenue growth with a consistent upward trend over the past few years, culminating in a significant increase in 2024. The gross profit margin remains robust at 100%, indicating effective cost management. The net profit margin improved substantially from negative in 2023 to a healthy 15.94% in 2024, reflecting enhanced profitability. EBIT and EBITDA margins have also improved significantly, showing operational efficiency gains.

Balance Sheet

The company has a high debt-to-equity ratio due to substantial debt levels combined with limited equity, which poses a leverage risk. However, the increase in stockholders' equity from previous years is a positive sign. The equity ratio improved to 36.51% in 2024, indicating enhanced financial stability. Return on equity turned positive and reached 35.79% in 2024, showing effective utilization of equity to generate profits.

Cash Flow

The cash flow statement is robust, with significant free cash flow growth from 2023 to 2024. The operating cash flow to net income ratio indicates strong cash generation relative to net income, signaling healthy cash flow management. The free cash flow to net income ratio is exceptionally high, pointing towards efficient cash conversion and strong liquidity position.

Breakdown	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	525.96M	508.95M	452.86M	350.57M	291.01M
Gross Profit	420.78M	388.98M	344.67M	251.34M	239.19M
EBITDA	308.60M	46.35M	55.32M	118.20M	103.53M
Net Income	7.26M	-1.00M	7.10M	25.55M	77.52M
Balance Sheet
Total Assets	641.17M	601.54M	579.84M	502.11M	285.84M
Cash, Cash Equivalents and Short-Term Investments	61.34M	31.79M	16.24M	25.06M	25.60M
Total Debt	332.05M	349.18M	363.62M	274.02M	158.10M
Total Liabilities	406.96M	407.51M	420.69M	344.23M	186.51M
Stockholders Equity	32.77M	10.44M	-494.00K	-9.04M	99.33M
Cash Flow
Free Cash Flow	310.80M	287.15M	230.05M	152.97M	181.39M
Operating Cash Flow	323.81M	296.15M	243.30M	167.35M	192.11M
Investing Cash Flow	-243.44M	-244.29M	-317.24M	-199.47M	-98.31M
Financing Cash Flow	-66.02M	-27.58M	61.26M	48.83M	-84.12M

OppFi Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 10.25
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Positive
• 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 10.25 is below the 20-day moving average (MA) of 11.42, below the 50-day MA of 12.62, and above the 200-day MA of 10.07, indicating a bearish trend. The MACD of -0.69 indicates Positive momentum. The RSI at 26.09 is Positive, neither overbought nor oversold. The STOCH value of 21.91 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
YALA	81 Outperform	$1.41B	11.65	21.03%	―	6.40%	9.72%
ML	69 Neutral	$972.40M	114.79	3.34%	―	28.92%	―
Sector *	67 Neutral	¥764.30B	11.15	7.42%	3.20%	7.66%	14.08%
RSKD	64 Neutral	$823.35M	―	-9.00%	―	9.30%	24.96%
OPFI	59 Neutral	$867.21M	50.49	-28.35%	―	3.82%	-251.96%
BMBL	59 Neutral	$779.85M	―	-46.57%	―	-2.39%	-2961.26%
BLND	53 Neutral	$953.95M	―	-93.00%	―	-0.40%	63.36%

OppFi Corporate Events

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.

OppFi Holds Successful 2025 Annual Stockholders Meeting

On June 10, 2025, OppFi Inc. conducted its 2025 Annual Meeting of Stockholders, where a quorum was achieved with 77,284,361 shares represented. During the meeting, all nominees for the Board of Directors were elected to serve until 2028, and the appointment of RSM US LLP as the independent registered public accounting firm for the 2025 fiscal year was ratified, indicating continued stability and governance for the company.

The most recent analyst rating on (OPFI) stock is a Buy with a $13.50 price target. To see the full list of analyst forecasts on OppFi stock, see the OPFI Stock Forecast page.

OppFi Reports Record Q1 2025 Financial Results

On May 7, 2025, OppFi Inc. announced its financial results for the first quarter of 2025, showcasing record-breaking quarterly revenue and adjusted net income. The company reported a 101.3% increase in net income year-over-year to $20.4 million, despite an $11.4 million loss attributable to OppFi Inc. Adjusted net income rose by 285.1% to $33.8 million, marking a company record for any quarter. Total revenue increased by 10.1% year-over-year to $140.3 million, another company record. The company also improved its full-year adjusted net income guidance to a range of $106 million to $113 million, up from the previous range of $95 million to $97 million. These results reflect OppFi’s disciplined growth strategy, enhanced credit modeling, and operational efficiency, positioning it for sustained profitable growth in 2025.