OppFi (OPFI) 주식 개요
는 기술 기반 디지털 금융 플랫폼으로 미국 내 은행에 금융 상품과 서비스를 제공합니다. 자세히 보기
OPFI Community Fair Values
Create NarrativeSee what 56 others think this stock is worth. Follow their fair value or set your own to get alerts.
Analyst Price Targets
OppFi Inc. 경쟁사
가격 이력 및 성과
| 과거 주가 | |
|---|---|
| 현재 주가 | US$8.25 |
| 52주 최고가 | US$15.03 |
| 52주 최저가 | US$7.36 |
| 베타 | 1.87 |
| 1개월 변동 | -2.94% |
| 3개월 변동 | -10.13% |
| 1년 변동 | -29.67% |
| 3년 변동 | 275.00% |
| 5년 변동 | -18.15% |
| IPO 이후 변동 | -16.24% |
최근 뉴스 및 업데이트
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
내러티브 업데이트 • 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.
새로운 내러티브 • 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?
새로운 내러티브 • 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?내러티브 업데이트 • 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.내러티브 업데이트 • 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.내러티브 업데이트 • 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.내러티브 업데이트 • 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 Alpha분석 기사 • 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 Alpha분석 기사 • 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
새로운 내러티브 • 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.분석 기사 • 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 AlphaSeeking Alpha • Nov 12
OppFi: Dirt Cheap With Two Caveats
Summary OppFi Inc. is a small fintech company based in Chicago that provides a financial technology platform that offers a variety of lending products. The stock is very cheap on a forward earnings and revenue basis. However, there are two caveats to that assessment. An analysis around OppFi, Inc. follows in the paragraphs below. Read the full article on Seeking Alpha주주 수익률
| OPFI | US Consumer Finance | US 시장 | |
|---|---|---|---|
| 7D | -7.5% | 1.3% | -0.3% |
| 1Y | -29.7% | 7.0% | 26.7% |
수익률 대 산업: OPFI은 지난 1년 동안 7%의 수익을 기록한 US Consumer Finance 산업보다 저조한 성과를 냈습니다.
수익률 대 시장: OPFI은 지난 1년 동안 26.7%를 기록한 US 시장보다 저조한 성과를 냈습니다.
주가 변동성
| OPFI volatility | |
|---|---|
| OPFI Average Weekly Movement | 5.1% |
| Consumer Finance Industry Average Movement | 6.7% |
| Market Average Movement | 7.2% |
| 10% most volatile stocks in US Market | 16.2% |
| 10% least volatile stocks in US Market | 3.2% |
안정적인 주가: OPFI는 지난 3개월 동안 US 시장에 비해 주가 변동성이 크지 않았습니다.
시간에 따른 변동성: OPFI의 주간 변동성(5%)은 지난 1년 동안 안정적이었습니다.
회사 소개
| 설립 | 직원 수 | CEO | 웹사이트 |
|---|---|---|---|
| 2012 | 410 | Todd Schwartz | www.oppfi.com |
는 기술 기반 디지털 금융 플랫폼으로, 미국 내 은행에 금융 상품과 서비스를 제공합니다. 이 회사는 OppLoans 플랫폼을 통해 할부 대출을 제공합니다. 이 회사는 주류 금융권에서 외면받는 소비자에게 서비스를 제공합니다.
OppFi Inc. 기초 지표 요약
| OPFI 기초 통계 | |
|---|---|
| 시가총액 | US$722.43m |
| 순이익 (TTM) | US$66.10m |
| 매출 (TTM) | US$340.04m |
10.7x
주가수익비율(P/E)2.1x
주가매출비율(P/S)OPFI는 고평가되어 있습니까?
공정 가치 및 평가 분석 보기순이익 및 매출
| OPFI 손익계산서 (TTM) | |
|---|---|
| 매출 | US$340.04m |
| 매출원가 | US$0 |
| 총이익 | US$340.04m |
| 기타 비용 | US$273.94m |
| 순이익 | US$66.10m |
최근 보고된 실적
Mar 31, 2026
다음 실적 발표일
해당 없음
| 주당순이익(EPS) | 0.77 |
| 총이익률 | 100.00% |
| 순이익률 | 19.44% |
| 부채/자본 비율 | 82.9% |
OPFI의 장기 실적은 어땠습니까?
과거 실적 및 비교 보기기업 분석 및 재무 데이터 상태
| 데이터 | 최종 업데이트 (UTC 시간) |
|---|---|
| 기업 분석 | 2026/05/21 02:55 |
| 종가 | 2026/05/21 00:00 |
| 수익 | 2026/03/31 |
| 연간 수익 | 2025/12/31 |
데이터 소스
당사의 기업 분석에 사용되는 데이터는 S&P Global Market Intelligence LLC에서 제공됩니다. 아래 데이터는 이 보고서를 생성하기 위해 분석 모델에서 사용됩니다. 데이터는 정규화되므로 소스가 제공된 후 지연이 발생할 수 있습니다.
| 패키지 | 데이터 | 기간 | 미국 소스 예시 * |
|---|---|---|---|
| 기업 재무제표 | 10년 |
| |
| 분석가 컨센서스 추정치 | +3년 |
|
|
| 시장 가격 | 30년 |
| |
| 지분 구조 | 10년 |
| |
| 경영진 | 10년 |
| |
| 주요 개발 | 10년 |
|
* 미국 증권에 대한 예시이며, 비(非)미국 증권에는 해당 국가의 규제 서식 및 자료원을 사용합니다.
별도로 명시되지 않는 한 모든 재무 데이터는 연간 기간을 기준으로 하지만 분기별로 업데이트됩니다. 이를 TTM(최근 12개월) 또는 LTM(지난 12개월) 데이터라고 합니다. 자세히 알아보기.
분석 모델 및 스노우플레이크
이 보고서를 생성하는 데 사용된 분석 모델에 대한 자세한 내용은 당사의 Github 페이지에서 확인하실 수 있습니다. 또한 보고서 활용 방법에 대한 가이드와 YouTube 튜토리얼도 제공합니다.
Simply Wall St 분석 모델을 설계하고 구축한 세계적 수준의 팀에 대해 알아보세요.
산업 및 섹터 지표
산업 및 섹터 지표는 Simply Wall St가 6시간마다 계산하며, 프로세스에 대한 자세한 내용은 Github에서 확인할 수 있습니다.
분석가 소스
OppFi Inc.는 8명의 분석가가 다루고 있습니다. 이 중 4명의 분석가가 우리 보고서에 입력 데이터로 사용되는 매출 또는 수익 추정치를 제출했습니다. 분석가의 제출 자료는 하루 종일 업데이트됩니다.
| 분석가 | 기관 |
|---|---|
| David Scharf | Citizens JMP Securities, LLC |
| null null | D.A. Davidson & Co. |
| Christopher Brendler | D.A. Davidson & Co. |