OppFi Performance degli utili passati
Criteri Il passato verificati 3/6
Gli utili di OppFi sono diminuiti a un tasso medio annuo di -29.7%, mentre il settore Consumer Finance ha visto gli utili diminuire a un tasso medio annuo di 0.9%. I ricavi sono cresciuti crescere a un tasso medio annuo di 10.5%. Il ritorno sul capitale proprio di OppFi è 52.5% e ha margini netti di 19.4%.
Informazioni chiave
-29.72%
Tasso di crescita degli utili
-28.46%
Tasso di crescita dell'EPS
| Consumer Finance Crescita del settore | 7.20% |
| Tasso di crescita dei ricavi | 10.51% |
| Rendimento del capitale proprio | 52.45% |
| Margine netto | 19.44% |
| Ultimo aggiornamento sugli utili | 31 Mar 2026 |
Aggiornamenti sulle prestazioni recenti
Recent updates
Seeking Alpha • May 14
OppFi: Buying The Dip And Staying Bullish
Summary OppFi Inc. (OPFI) delivered Q1 results that beat revenue and EPS estimates, despite investor concerns over rising net charge-offs. OPFI's Model 6.1 launch and upcoming Model 7 are expected to enhance credit scoring and reduce losses, supporting profitable growth. The BNCCORP acquisition is projected to be at least 25% accretive to adjusted EPS in year one post-close, with further upside in subsequent years. With valuation near 5x forward P/E and improving execution, I see the risk/reward as very favorable, especially if Q2 results are strong. Read the full article on Seeking Alpha
Aggiornamento della narrazione • Apr 21
OPFI: Share Repurchases And Tightened Assumptions Will Support Future Upside
The analyst price target on OppFi has been reduced by $1 to $13.33, as analysts factor in updated assumptions on fair value, discount rate, revenue growth, profit margin, and future P/E following recent Street research. Analyst Commentary Bullish Takeaways Bullish analysts view the updated price target of $13.33 as still allowing room for potential upside if OppFi executes well on revenue growth and maintains disciplined cost control.
Nuova narrazione • Mar 27
Faster Underwriting Models May Strain Credit Quality Yet Ultimately Support Long Term Stability
Catalysts About OppFi OppFi operates a technology enabled platform that facilitates short duration credit access for everyday consumers through bank partners. What are the underlying business or industry changes driving this perspective?
Nuova narrazione • Mar 12
AI Models And New Credit Platform Will Transform Long-Term Earnings Power
Catalysts About OppFi OppFi is a technology enabled platform that facilitates access to short duration credit products for everyday consumers through bank partners. What are the underlying business or industry changes driving this perspective?Aggiornamento della narrazione • Mar 05
OPFI: Lower Discount Rate And Stable Margins Will Support Future Upside
Narrative Update on OppFi Analysts have raised their price target on OppFi by $2, citing updated views on the company’s discount rate, revenue, profit margin, and forward P/E assumptions. Analyst Commentary Analysts lifting their price target on OppFi by $2 are reacting to updated assumptions around the company’s discount rate, revenue outlook, profit margins, and forward P/E.Aggiornamento della narrazione • Feb 19
OPFI: Lower Discount Rate And Stable Assumptions Will Support Future Upside
Analysts have adjusted their outlook on OppFi with a modest rise in the consensus price target. This is supported by updated assumptions on the discount rate and future P/E that align with recent Street research, including a $2 price target increase highlighted by Citizens.Aggiornamento della narrazione • Feb 04
OPFI: Future Margin Stability And Revenue Assumptions Will Support Upside Potential
Analysts have lifted their price target on OppFi by $2, citing updated views on the discount rate, profit margin, revenue growth, and future P/E assumptions. These changes leave their fair value estimate broadly unchanged at $15.17.Aggiornamento della narrazione • Jan 21
OPFI: Higher Earnings Guidance Will Support Stronger Margin Outlook
Narrative Update on OppFi Analysts lifted their price target on OppFi by about $1 to $15.17, citing updated assumptions, including a slightly higher fair value estimate, modestly revised revenue growth expectations, a higher projected profit margin, and a lower future P/E multiple. Analyst Commentary Bullish Takeaways Bullish analysts point to the raised price target as a sign that updated modeling supports a higher implied equity value, even after using a lower future P/E multiple in their work.Seeking Alpha • Mar 06
OppFi: Q4 Delivers An Inflection Point
Summary I maintain a "Strong Buy" rating on OppFi Inc. due to its strategic investment in Bitty Holdings and potential for significant margin expansion. Q4 2024 results exceeded expectations, with revenue and adjusted EPS beating consensus, and notable improvements in net income margins and credit quality. OppFi's FY2025 guidance suggests continued growth, with projected revenue of $563-594 million and adjusted EPS of $1.06-1.07, aligning with consensus. Despite macro risks, OPFI's undervaluation and strong operational metrics indicate a potential upside of at least 40% from the current price. Read the full article on Seeking AlphaSeeking Alpha • Feb 24
OppFi: This Dip Caught My Attention... But Beware Of The Devil In The Details
Summary OppFi's technology has allowed it to grow remarkably in the difficult niche of small, high yield loans. The recent dip in the stock price created an interesting opportunity both from a fundamental and a technical perspective. However, the company has an extremely complicated capital structure, which makes it difficult for the common shareholder to fully grasp it. Read the full article on Seeking AlphaSeeking Alpha • Feb 18
OppFi Stock Deserves A Strong Buy On Its Dip
Summary OppFi is a specialty finance firm with a $1.12 billion market cap, focusing on underserved American populations, with a market of more than 60 million consumers. Despite minimal net sales growth, OppFi's adjusted net income surged 116.2% YoY in Q3, driven by expansive margin growth and better unit economics metrics. The firm's better cost control and ongoing strategies to attract and onboard new customers will likely remain the fundamental driver of its future revenue growth and margin stability. Based on my valuation calculations, the OPFI stock might have a 20-100% appreciation potential after the dip we saw over the past 5 days. I rate OPFI as a "Strong Buy" stock today. Read the full article on Seeking AlphaSeeking Alpha • Jan 15
Why OppFi May See Strong Upside From Here
Summary OppFi Inc. is a small-cap digital financial services platform with strong fundamentals, poised for significant growth and margin expansion in 2025. The company's strategic investment in Bitty Holdings aims to diversify offerings and capture new customer segments, enhancing revenue and profitability. OPFI's recent financial performance shows impressive cost control, revenue growth, and improved free cash flow. Based on my valuation analysis, the OPFI stock may double from its current price level to be called "fairly valued", if it proves that the current consensus is off. OppFi is a great small-cap pick to consider for GARP investors, in my opinion. I rate the stock as a "Strong Buy". Read the full article on Seeking AlphaArticolo di analisi • Jan 11
Market Participants Recognise OppFi Inc.'s (NYSE:OPFI) Earnings Pushing Shares 36% Higher
Despite an already strong run, OppFi Inc. ( NYSE:OPFI ) shares have been powering on, with a gain of 36% in the last...Seeking Alpha • Dec 20
OppFi: Double-Digit Discount And Savvy Debt Usage Justify A Buy
Summary I am bullish on OppFi due to its strong financial performance and optimistic market outlook driven by declining interest rates and rising consumer finance indices. OPFI's robust balance sheet, savvy debt usage, and focus on underserved markets position it for sustainable growth, with a 73% stock gain over the last year. The company's consistent revenue growth, improved profitability, and advanced credit management initiatives underscore its resilient business model and potential for future profitability. Trading at a significant discount with a NAV/share of $10.38, OPFI presents a compelling investment opportunity, despite risks associated with its niche market focus. Read the full article on Seeking AlphaArticolo di analisi • Oct 23
Market Participants Recognise OppFi Inc.'s (NYSE:OPFI) Earnings Pushing Shares 27% Higher
OppFi Inc. ( NYSE:OPFI ) shares have continued their recent momentum with a 27% gain in the last month alone. The last...Seeking Alpha • Oct 07
OppFi: This Fintech Could Have More To Rally
Summary OppFi's 90% rally over the past year may continue, driven by Fed rate cuts and a strong financial performance, including rising revenue and net income. The company's valuation is attractive with a price-to-sales multiple of 0.77x, supported by free cash flow and a healthy cash position. Despite high net charge-off rates, OPFI's financials show improvement, with reduced expenses and increased adjusted net income. While macroeconomic risks like a recession pose threats, the current market sentiment and potential Fed rate cuts could sustain OPFI's stock momentum. Read the full article on Seeking Alpha
Nuova narrazione • Sep 24
Operational Efficiency And Tactical Investments Propel Strong Revenue And Profit Growth
Expansion into the small and medium business financing market via equity investment in Bitty Advance shows potential for new revenue streams and market growth.Articolo di analisi • Aug 04
OppFi Inc.'s (NYSE:OPFI) Subdued P/E Might Signal An Opportunity
It's not a stretch to say that OppFi Inc.'s ( NYSE:OPFI ) price-to-earnings (or "P/E") ratio of 15.8x right now seems...Seeking Alpha • Jul 19
OppFi: 83% Of Earnings Go To Non-Controlling Interest
Summary OPFI's management is yet to become confident in the company's underwriting algorithms. Loan defaults seem to have plateaued at pretty high levels. The company's failure to expand into new verticals beyond amortized loan offerings highlights challenges in scaling their underwriting algorithms, limiting revenue growth potential. 83% of earnings are attributable to non-controlling interest, distorting forward PE multiples. Read the full article on Seeking AlphaSeeking Alpha • Jun 15
OppFi: Cheaply Valued But Persistent Risks Remain
Summary Shares are down more than 30% this year, despite solid business performance in recent quarters. The stock is cheaply valued, and management is returning capital to shareholders through buybacks and dividends. However I find multiple risks that could potentially lead to more downside. Read the full article on Seeking AlphaSeeking Alpha • Dec 18
OppFi's High Debt Raises Long-Term Concerns
Summary OppFi is a fintech company that provides affordable lending options to individuals with limited access to traditional banking. The company's revenue growth rates have slowed down, creating uncertainty in the market. OppFi holds a significant amount of debt and may need a capital raise in the near future. Read the full article on Seeking AlphaRipartizione dei ricavi e delle spese
Ripartizione dei ricavi e delle spese
Come OppFi guadagna e spende denaro. In base agli ultimi utili dichiarati, su base LTM.
Storico di utili e ricavi
| Data | Ricavi | Utili | Spese G+A | Spese di R&S |
|---|---|---|---|---|
| 31 Mar 26 | 340 | 66 | 178 | 0 |
| 31 Dec 25 | 342 | 26 | 171 | 0 |
| 30 Sep 25 | 335 | 4 | 168 | 0 |
| 30 Jun 25 | 321 | -33 | 166 | 0 |
| 31 Mar 25 | 306 | -10 | 165 | 0 |
| 31 Dec 24 | 277 | 7 | 170 | 0 |
| 30 Sep 24 | 261 | 7 | 169 | 0 |
| 30 Jun 24 | 244 | 5 | 171 | 0 |
| 31 Mar 24 | 232 | 4 | 173 | 0 |
| 31 Dec 23 | 226 | -1 | 170 | 0 |
| 30 Sep 23 | 210 | 8 | 168 | 0 |
| 30 Jun 23 | 190 | 5 | 164 | 0 |
| 31 Mar 23 | 184 | 6 | 167 | 0 |
| 31 Dec 22 | 182 | 7 | 171 | 0 |
| 30 Sep 22 | 199 | 15 | 179 | 0 |
| 30 Jun 22 | 222 | 30 | 191 | 0 |
| 31 Mar 22 | 225 | 2 | 183 | 0 |
| 31 Dec 21 | 239 | 26 | 172 | 0 |
| 30 Sep 21 | 247 | 30 | 165 | 0 |
| 30 Jun 21 | 222 | 36 | 132 | 0 |
| 31 Mar 21 | 206 | 85 | 108 | 0 |
| 31 Dec 20 | 188 | 78 | 95 | 0 |
| 31 Dec 19 | 107 | 33 | 55 | 0 |
| 31 Dec 18 | 54 | 10 | 31 | 0 |
Guadagni di qualità: OPFI ha guadagni di alta qualità.
Margine di profitto in crescita: OPFI è diventata redditizia in passato.
Flusso di cassa libero e analisi degli utili
Analisi della crescita degli utili nel passato
Andamento degli utili: Gli utili di OPFI sono diminuiti del 29.7% all'anno negli ultimi 5 anni.
Accelerare la crescita: OPFI è diventata redditizia nell'ultimo anno, rendendo difficile confrontare il tasso di crescita degli utili con la media quinquennale.
Guadagni vs Settore: OPFI è diventata redditizia nell'ultimo anno, rendendo difficile confrontare la crescita dei suoi utili dell'anno passato con il settore Consumer Finance ( 22.1% ).
Rendimento del capitale proprio
ROE elevato: Il Return on Equity ( 52.5% ) di OPFI è considerato eccezionale.
Rendimento delle attività
Rendimento del capitale investito
Scoprire le aziende con forti performance passate
Analisi aziendale e situazione dei dati finanziari
| Dati | Ultimo aggiornamento (ora UTC) |
|---|---|
| Analisi dell'azienda | 2026/06/25 01:01 |
| Prezzo dell'azione a fine giornata | 2026/06/25 00:00 |
| Utili | 2026/03/31 |
| Utili annuali | 2025/12/31 |
Fonti dei dati
I dati utilizzati nella nostra analisi aziendale provengono da S&P Global Market Intelligence LLC. I seguenti dati sono utilizzati nel nostro modello di analisi per generare questo report. I dati sono normalizzati, il che può comportare un ritardo nella disponibilità della fonte.
| Pacchetto | Dati | Tempistica | Esempio Fonte USA * |
|---|---|---|---|
| Dati finanziari della società | 10 anni |
| |
| Stime di consenso degli analisti | +3 anni |
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| Prezzi di mercato | 30 anni |
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| Proprietà | 10 anni |
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| Gestione | 10 anni |
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| Sviluppi principali | 10 anni |
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* Esempio per i titoli statunitensi, per i titoli non statunitensi si utilizzano forme e fonti normative equivalenti.
Se non specificato, tutti i dati finanziari si basano su un periodo annuale ma vengono aggiornati trimestralmente. Si tratta dei cosiddetti dati TTM (Trailing Twelve Month) o LTM (Last Twelve Month). Per saperne di più.
Modello di analisi e Snowflake
I dettagli del modello di analisi utilizzato per generare questo report sono disponibili sulla nostra pagina Github; disponiamo inoltre di guide su come utilizzare i nostri report e di tutorial su Youtube.
Scoprite il team di livello mondiale che ha progettato e realizzato il modello di analisi Simply Wall St.
Metriche di settore e industriali
Le nostre metriche di settore e di sezione sono calcolate ogni 6 ore da Simply Wall St; i dettagli del nostro processo sono disponibili su Github.
Fonti analitiche
OppFi Inc. è coperta da 8 analisti. 4 di questi analisti ha fornito le stime di fatturato o di utile utilizzate come input per il nostro report. Le stime degli analisti vengono aggiornate nel corso della giornata.
| Analista | Istituzione |
|---|---|
| David Scharf | Citizens JMP Securities, LLC |
| null null | D.A. Davidson & Co. |
| Christopher Brendler | D.A. Davidson & Co. |