OppFi (OPFI) AI Stock Analysis

• Market Cap: $1.09B
• Dividend Yield: N/A
• Average Volume (3M): 1.27M
• Price to Earnings (P/E): 50.5
• Beta (1Y): 1.20
• Revenue Growth: 3.82%
• EPS Growth: -251.96%
• Country: US
• Employees: 445
• Sector: Financial
• Sector Strength: 76
• Industry: Software - Application
• EPS (TTM): 0.38
• Shares Outstanding: 26,172,900
• 10 Day Avg. Volume: 1,384,466
• 30 Day Avg. Volume: 1,270,090
• PEG Ratio: -0.05
• Price to Book (P/B): -57.74
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 0.12
• Enterprise Value/Market Cap: 0.34
• Enterprise Value/Revenue: 0.18
• Enterprise Value/Gross Profit: 0.86
• Enterprise Value/Ebitda: 0.55
• 1Y Price Target: $14.67
• Price Target Upside: 16.61% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 3

• Rating: 77 Outperform
• Price Target: $16.00 ▲(27.19%Upside)

OppFi's strong financial performance, particularly in revenue growth and cash flow management, is the most significant factor driving its score. Positive technical indicators and a strong earnings call further support the stock's outlook. However, valuation concerns due to a negative P/E ratio slightly temper the overall score.

Positive Factors

Capital Return

The company has been an aggressive returner of capital to shareholders over the last 18 months, and further buybacks are expected at the current valuation.

Earnings Growth

Shares traded up ~11% following strong fourth-quarter performance and guidance for continued earnings growth in 2025.

Operating Performance

The company continued demonstrating operating leverage in 4Q along with higher yields on the portfolio and improving credit performance, leading to strong bottom-line outperformance versus expectations.

Negative Factors

Dilution Risk

Investors must revisit the additional dilution from SPAC-era warrants, which add approximately 3.6M shares to the diluted share count.

Stock Rating Downgrade

The downgrade of OppFi's stock rating from Market Outperform to Market Perform is based on valuation concerns at current levels.

Valuation Concerns

Analyst remains on the sidelines based purely on a valuation perspective with shares fairly valued at ~9x the updated 2025 adjusted EPS estimate.

OppFi Business Overview & Revenue Model

Company Description

OppFi (OPFI) is a financial technology company that operates in the consumer finance sector, focusing on providing accessible credit products to consumers who are underserved by traditional financial institutions. The company's core services include offering installment loans through its proprietary online lending platform, which aims to deliver fast, transparent, and user-friendly financial solutions to its customers.

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. The balance sheet is improving, though high leverage remains a concern. Cash flow management is a standout area, 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
TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement		Total Revenue
538.89M	525.96M	508.95M	452.86M	350.57M	291.01M
	Gross Profit
437.11M	420.78M	388.98M	344.67M	251.34M	239.19M
	EBIT
131.74M	94.54M	46.35M	-6.34M	57.26M	77.52M
	EBITDA
287.24M	308.60M	46.35M	55.32M	118.20M	103.53M
	Net Income Common Stockholders
-9.65M	7.26M	-1.00M	7.10M	25.55M	77.52M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
57.95M	61.34M	31.79M	16.24M	25.06M	25.60M
	Total Assets
640.07M	641.17M	601.54M	579.84M	502.11M	285.84M
	Total Debt
0.00	332.05M	349.18M	363.62M	274.02M	158.10M
	Net Debt
-57.95M	270.71M	317.39M	347.38M	248.96M	132.50M
	Total Liabilities
403.31M	406.96M	407.51M	420.69M	344.23M	186.51M
	Stockholders Equity
22.55M	32.77M	10.44M	-494.00K	-9.04M	99.33M
Cash Flow		Free Cash Flow
321.43M	310.80M	287.15M	230.05M	152.97M	181.39M
	Operating Cash Flow
332.30M	323.81M	296.15M	243.30M	167.35M	192.11M
	Investing Cash Flow
-251.31M	-243.44M	-244.29M	-317.24M	-199.47M	-98.31M
	Financing Cash Flow
-50.36M	-66.02M	-27.58M	61.26M	48.83M	-84.12M

OppFi Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 12.58
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• 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 Positive. The current price of 12.58 is below the 20-day moving average (MA) of 12.96, above the 50-day MA of 11.18, and above the 200-day MA of 8.86, indicating a neutral trend. The MACD of 0.32 indicates Positive momentum. The RSI at 54.35 is Neutral, neither overbought nor oversold. The STOCH value of 30.19 is Neutral, 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
YALA	79 Outperform	$1.01B	8.20	21.03%	―	6.40%	9.72%
OPFI	77 Outperform	$1.09B	50.49	-47.39%	―	3.82%	-251.96%
RSKD	67 Neutral	$794.52M	―	-9.00%	―	9.30%	24.96%
Sector *	64 Neutral	$12.73B	9.92	7.90%	78.88%	12.06%	-7.95%
BLND	57 Neutral	$832.44M	―	-93.00%	―	-0.40%	63.36%
BMBL	56 Neutral	$542.28M	―	-46.57%	―	-2.39%	-2961.26%

OppFi Corporate Events

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.