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OppFi
(NYSE:OPFI)
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Rating:73Outperform
Price Target:
$11.00
▲(21.95% Upside)
Action:Reiterated
Date:06/11/26
OPFI scores well on fundamentals driven by strong recent profitability and cash flow, supported by a very low P/E valuation. The score is held back by weaker technical momentum (below key moving averages, negative MACD) and earnings-call-flagged near-term headwinds from elevated credit losses, softer originations, and heavy investment spending despite positive long-term strategic initiatives.
Positive Factors
Cash generation
Sustained, high operating and free cash flow at the TTM level provides durable internal funding for growth, buybacks, and acquisitions without immediate reliance on external financing. Strong cash conversion (~0.95–0.97) means reported earnings are largely supported by cash, enhancing balance sheet resilience and funding optionality over the next 2–6 months.
Negative Factors
Elevated credit losses
Substantially higher net charge-offs materially erode effective yield and net margins in a non-prime consumer lending model. Credit performance is a core structural driver of profitability; unless underwriting improvements or portfolio mix shifts persist, elevated losses can continue to pressure cash returns and limit capital available for growth over coming quarters.
Read all positive and negative factors
Positive Factors
Negative Factors
Cash generation
Sustained, high operating and free cash flow at the TTM level provides durable internal funding for growth, buybacks, and acquisitions without immediate reliance on external financing. Strong cash conversion (~0.95–0.97) means reported earnings are largely supported by cash, enhancing balance sheet resilience and funding optionality over the next 2–6 months.
Read all positive factors
OppFi (OPFI) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$1.35B
Dividend YieldN/A
Average Volume (3M)733.13K
Price to Earnings (P/E)4.0
Beta (1Y)1.71
Revenue Growth12.95%
EPS GrowthN/A
CountryUS
Employees410
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)2.37
Shares Outstanding85,393,250
10 Day Avg. Volume478,319
30 Day Avg. Volume733,128
Financial Highlights & Ratios
PEG Ratio0.06
Price to Book (P/B)4.74
Price to Sales (P/S)0.46
P/FCF Ratio0.73
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$13.50Price Target Upside49.67% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)1.79
Revenue Forecast (FY)$657.32M
OppFi Business Overview & Revenue Model
Company Description
OppFi Inc. provides a financial technology platform that enables banks to extend various lending solutions. This platform notably features several distinct financial instruments: the OppLoan, a standard installment loan; SalaryTap, an installment ...
How the Company Makes Money
OppFi primarily makes money through revenue generated from consumer lending activities facilitated via its platform. Key revenue streams include: (1) Interest income and/or finance charges associated with installment loan products made available t...
OppFi Earnings Call Summary
Earnings Call Date:May 07, 2026
(Q1-2026)
| % Change Since: |
Next Earnings Date:Aug 10, 2026
Earnings Call Sentiment Positive
The call presents a largely positive strategic outlook: solid revenue (+8% YoY), stronger receivables (~+9%), robust free cash flow ($69M), a transformational bank acquisition with significant expected funding and synergy benefits, and meaningful product/tech upgrades via LOLA that should improve efficiency and product velocity. However, near-term credit pressure (higher net charge-offs and lower yield), a 7% decline in originations, and heavy near-term investment spend create tangible short-term headwinds to profitability. Overall, management emphasizes long-term value creation and appears confident in the strategic path despite current macro and credit challenges.Positive Updates
Revenue Growth
Total revenue of $152 million in Q1 2026, an 8% increase year-over-year, driven largely by higher receivables.
Negative Updates
Decline in Originations
Q1 2026 originations decreased 7% year-over-year to $176 million, attributed to tightened credit for certain segments and reduced demand from higher average tax refunds.
Read all updates
Q1-2026 Updates
Positive
Negative
Revenue Growth
Total revenue of $152 million in Q1 2026, an 8% increase year-over-year, driven largely by higher receivables.
Read all positive updates
Company Guidance
OppFi said it is maintaining its 2026 guidance while directing more than $150 million of strategic investment this year (LOLA, the BNC acquisition and Up‑C transition) and expects the cash‑and‑stock BNC deal (valued ≈ $130M) to close in Q4 2026. Management projects the BNC combination (BNC: >$1B assets and ≈$1B deposits, >80% of deposits <2% cost) will be at least 25% accretive to adjusted EPS in year one, 40% in year two and 50% in year three—quantified as synergy-driven accretion of ≥$60M, $90M and >$115M in years one–three—and to drive ROA and ROE of roughly 10% and 35% by 2028 while maintaining capital ratios well above market standards. Other near‑term metrics: OppFi recorded ~$466M tax‑amortizable goodwill (≈$111M estimated future cash tax savings), authorized a $40M repurchase program after buying 1M shares for $9.9M in Q1, generated $69M of free cash flow in Q1, ended the quarter with ≈$100M cash, $284M total debt, $343M equity and $625M total funding capacity (including $241M unused), and reiterated product timing—Model 6.1 deployed, Model 7 planned for fall, LOLA migration starting in Q2 with substantial completion in Q3 and a line‑of‑credit product launching summer 2026.OppFi Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
66
Positive
Cash Flow
84
Very Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 608.66M | 597.05M | 525.96M | 508.95M | 452.86M | 350.57M |
| Gross Profit | 597.18M | 567.71M | 420.78M | 401.52M | 357.72M | 261.40M |
| EBITDA | 174.06M | 200.66M | 308.60M | 290.51M | 244.77M | 100.53M |
| Net Income | 66.10M | 26.33M | 7.26M | -1.00M | 7.10M | 25.55M |
Balance Sheet | ||||||
| Total Assets | 719.99M | 754.09M | 641.17M | 601.54M | 579.84M | 502.11M |
| Cash, Cash Equivalents and Short-Term Investments | 63.87M | 49.45M | 61.34M | 31.79M | 16.24M | 25.06M |
| Total Debt | 300.83M | 332.78M | 332.05M | 349.18M | 363.62M | 274.02M |
| Total Liabilities | 377.00M | 445.21M | 406.96M | 407.51M | 420.69M | 344.23M |
| Stockholders Equity | 75.65M | 58.48M | 32.77M | 10.44M | -494.00K | -9.04M |
Cash Flow | ||||||
| Free Cash Flow | 393.39M | 382.19M | 310.80M | 287.15M | 230.05M | 152.97M |
| Operating Cash Flow | 413.26M | 401.31M | 323.81M | 296.15M | 243.30M | 167.35M |
| Investing Cash Flow | -295.00M | -307.80M | -243.44M | -244.29M | -317.24M | -199.47M |
| Financing Cash Flow | -109.11M | -88.53M | -66.02M | -27.58M | 61.26M | 48.83M |
OppFi Technical Analysis
Positive
9.02
Price Trends
8.98
Positive
8.75
Positive
9.29
Positive
Market Momentum
0.16
Negative
58.98
Neutral
79.81
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 9.02 is below the 20-day moving average (MA) of 9.36, above the 50-day MA of 8.98, and below the 200-day MA of 9.29, indicating a bullish trend. The MACD of 0.16 indicates Negative momentum. The RSI at 58.98 is Neutral, neither overbought nor oversold. The STOCH value of 79.81 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for OPFI.
OppFi Risk Analysis
OppFi disclosed 94 risk factors in its most recent earnings report. OppFi reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
OppFi Peers Comparison
UnderperformOutperform
Sector (68)
OPFI
OppFi
9.79
-1.54
-13.59%
MAPS
WM Technology
0.35
-0.60
-63.27%
BMBL
Bumble
3.04
-4.61
-60.26%
OppFi Corporate Events
Business Operations and StrategyFinancial DisclosuresRegulatory Filings and Compliance
OppFi Shares June 2026 Investor Presentation Under Reg FD
Neutral
Jun 16, 2026
OppFi Inc., a Delaware-based fintech lender, furnished an investor presentation dated June 2026 as part of a current report, indicating it may be used in meetings with investors and analysts. The materials, which include non-GAAP metrics and detai...
Business Operations and StrategyExecutive/Board ChangesShareholder Meetings
OppFi Shareholders Back Directors, Auditor and Annual Say-on-Pay
Positive
Jun 10, 2026
On June 9, 2026, OppFi Inc. held its 2026 Annual Meeting of Stockholders, where shareholders elected all board nominees, Theodore Schwartz and Greg Zeeman, to serve until the 2029 annual meeting, and ratified RSM US LLP as the independent auditor ...
Business Operations and StrategyStock BuybackFinancial Disclosures
OppFi Posts Record Q1 Revenue and Surging Profitability
Positive
May 7, 2026
On May 7, 2026, OppFi reported first-quarter 2026 results showing total revenue up 8.3% year over year to a record $151.9 million, with net income jumping 165% to $54.0 million even as adjusted net income fell 11.2% to $30.0 million. The company h...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.