OppFi (OPFI) AI Stock Analysis

• Market Cap: $804.90M
• Dividend Yield: N/A
• Average Volume (3M): 800.60K
• Price to Earnings (P/E): ―
• Beta (1Y): 1.59
• 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: 676,459
• 30 Day Avg. Volume: 800,604
• 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: 1.85
• Enterprise Value/Revenue: 2.60
• Enterprise Value/Gross Profit: 3.16
• Enterprise Value/Ebitda: 4.09
• 1Y Price Target: $15.00
• Price Target Upside: 60.94% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 2
• EPS Forecast (FY): 1.53
• Revenue Forecast (FY): $596.37M

• Rating: 62 Neutral
• Price Target: $10.00 ▲(7.30% Upside)

OppFi's overall stock score is driven by strong earnings call results and solid financial performance, particularly in cash flow generation and leverage improvement. However, the stock's technical indicators and valuation metrics present challenges, with bearish trends and a negative P/E ratio. The company's strategic focus on operational improvements and future growth potential are positive factors, but profitability margins and valuation concerns weigh on the score.

Positive Factors

Revenue Growth

Strong revenue growth indicates expanding market reach and successful product adoption, supporting long-term business sustainability.

Operational Efficiency

Enhanced operational efficiency through improved approval rates boosts profitability and customer satisfaction, strengthening competitive position.

Strategic Credit Facility

The new credit facility reduces interest expenses, enhancing financial flexibility and supporting future growth initiatives.

Negative Factors

High Leverage

Significant leverage poses financial risk, potentially limiting the company's ability to invest in growth and weather economic downturns.

Profitability Challenges

Negative profitability indicates challenges in cost management and pricing strategy, which could hinder long-term financial health.

Increased Charge-Offs

Rising charge-offs suggest potential issues in credit risk management, which could impact future profitability and loan performance.

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 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 generation and cash flow management, with high gross profit margins and positive cash flow metrics. However, the company faces challenges with profitability and high leverage, as indicated by negative net profit margins and a high debt-to-equity ratio. While the company shows potential for growth, it must address profitability and leverage concerns to ensure long-term financial stability.

Income Statement

OppFi's income statement shows a strong gross profit margin of 85.4% TTM, indicating efficient cost management. However, the net profit margin is negative at -6.0% TTM, reflecting challenges in achieving profitability. Revenue growth is modest at 3.0% TTM, suggesting steady but slow expansion. The EBIT margin is robust at 49.2% TTM, but the EBITDA margin has declined to 34.3% TTM, highlighting potential operational inefficiencies.

Balance Sheet

The balance sheet reveals a high debt-to-equity ratio of 24.13 TTM, indicating significant leverage and potential financial risk. Return on equity is negative at -129.4% TTM, reflecting poor shareholder returns. The equity ratio is low, suggesting limited asset financing through equity, which could pose risks in volatile markets.

Cash Flow

Cash flow analysis shows a healthy free cash flow growth rate of 5.4% TTM, indicating strong cash generation capabilities. The operating cash flow to net income ratio is exceptionally high at 128.7 TTM, suggesting robust cash flow relative to earnings. The free cash flow to net income ratio is also strong at 0.95 TTM, reflecting efficient cash conversion.

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: Negative
• Last Price: 9.32
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• 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 9.32 is below the 20-day moving average (MA) of 9.83, below the 50-day MA of 10.41, and below the 200-day MA of 10.99, indicating a bearish trend. The MACD of -0.19 indicates Positive momentum. The RSI at 42.21 is Neutral, neither overbought nor oversold. The STOCH value of 26.22 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 *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
OPFI	62 Neutral	$804.90M	―	9.19%	―	9.63%	-112.71%
MAPS	60 Neutral	$140.36M	11.67	18.24%	―	0.59%	―
ONTF	54 Neutral	$226.63M	―	-20.20%	―	-6.23%	28.57%
OCFT	47 Neutral	$307.81M	-3.06	-24.21%	―	-48.61%	-2291.48%
BMBL	44 Neutral	$405.86M	―	-25.34%	―	-7.43%	61.36%

OppFi Corporate Events

OppFi Inc. Reports Record Revenue and Raises Guidance

OppFi Inc. is a tech-enabled digital finance platform that collaborates with banks to provide financial products and services to underserved Americans, emphasizing financial inclusion and customer experience. In its latest earnings report, OppFi announced record-breaking quarterly revenue and net income, as well as an increase in its full-year financial guidance. The company reported a 13.5% year-over-year increase in total revenue to $155.1 million and a significant 136.9% rise in net income to $75.9 million for the third quarter of 2025. Adjusted net income also saw a notable increase of 41.4% to $40.7 million. Additionally, the company raised its full-year revenue guidance to between $590 million and $605 million and adjusted net income to between $137 million and $142 million. Looking ahead, OppFi’s management remains optimistic about the company’s strategic positioning and operational efficiency, driven by its Model 6.1 refit and risk-based pricing strategies, which are expected to mitigate economic volatility impacts.

OppFi Reports Strong Growth Amid Strategic Expansions

OppFi’s recent earnings call highlighted a strong performance with significant revenue and profitability growth, despite some challenges. The sentiment was optimistic, driven by effective risk management and strategic expansions, suggesting a positive outlook for the company.

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.

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 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.