OppFi Inc.

NYSE:OPFI 주식 리포트

시가총액: US$722.4m

OppFi 향후 성장

Future 기준 점검 5/6

OppFi은 연간 수입과 매출이 각각 49.6%와 41.8% 증가할 것으로 예상되고 EPS는 연간 10.9%만큼 감소할 것으로 예상됩니다.

핵심 정보

49.6%

이익 성장률

-10.85%

EPS 성장률

Consumer Finance 이익 성장19.1%
매출 성장률41.8%
향후 자기자본이익률n/a
애널리스트 커버리지

Low

마지막 업데이트08 May 2026

최근 향후 성장 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 Alpha
Seeking 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 Alpha
Seeking 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 Alpha
Seeking 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 Alpha
분석 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 Alpha
분석 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
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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 Alpha
Seeking 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 Alpha
Seeking 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 Alpha
Seeking 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 Alpha

이익 및 매출 성장 예측

NYSE:OPFI - 애널리스트 향후 추정치 및 과거 재무 데이터 (USD Millions)
날짜매출이익자유현금흐름영업현금흐름평균 애널리스트 수
12/31/2027773194N/AN/A3
12/31/2026661193N/AN/A4
3/31/202634066388408N/A
12/31/202534226382401N/A
9/30/20253354360379N/A
6/30/2025321-33334351N/A
3/31/2025306-10318333N/A
12/31/20242777311324N/A
9/30/20242617301312N/A
6/30/20242445300309N/A
3/31/20242324296305N/A
12/31/2023226-1287296N/A
9/30/20232108275285N/A
6/30/20231905268279N/A
3/31/20231846253264N/A
12/31/20221827230243N/A
9/30/202219915206220N/A
6/30/202222230171185N/A
3/31/20222252152167N/A
12/31/202123926153167N/A
9/30/202124730156169N/A
6/30/202122236166178N/A
3/31/202120685177188N/A
12/31/202018878181192N/A
12/31/201910733N/A149N/A
12/31/20185410N/A63N/A

애널리스트 향후 성장 전망

수입 대 저축률: OPFI 의 연간 예상 수익 증가율(49.6%)이 saving rate(3.5%)보다 높습니다.

수익 vs 시장: OPFI 의 연간 수익(49.6%)이 US 시장(16.7%)보다 빠르게 성장할 것으로 예상됩니다.

고성장 수익: OPFI 의 수입은 향후 3년 동안 상당히 증가할 것으로 예상됩니다.

수익 대 시장: OPFI 의 수익(연간 41.8%)이 US 시장(연간 11.7%)보다 빠르게 성장할 것으로 예상됩니다.

고성장 매출: OPFI 의 수익(연간 41.8%)은 연간 20%보다 빠르게 증가할 것으로 예상됩니다.

주당순이익 성장 예측

향후 자기자본이익률

미래 ROE: OPFI의 자본 수익률이 3년 후 높을 것으로 예상되는지 판단하기에 데이터가 부족합니다.

성장 기업 찾아보기

7D

1Y

7D

1Y

7D

1Y

기업 분석 및 재무 데이터 상태

데이터최종 업데이트 (UTC 시간)
기업 분석2026/05/21 10:47
종가2026/05/21 00:00
수익2026/03/31
연간 수익2025/12/31

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.

패키지데이터기간미국 소스 예시 *
기업 재무제표10년
  • 손익계산서
  • 현금흐름표
  • 대차대조표
분석가 컨센서스 추정치+3년
  • 재무 예측
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시장 가격30년
  • 주가
  • 배당, 분할 및 기타 조치
지분 구조10년
  • 주요 주주
  • 내부자 거래
경영진10년
  • 리더십 팀
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주요 개발10년
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* 미국 증권에 대한 예시이며, 비(非)미국 증권에는 해당 국가의 규제 서식 및 자료원을 사용합니다.

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산업 및 섹터 지표

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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.

분석가기관
David ScharfCitizens JMP Securities, LLC
null nullD.A. Davidson & Co.
Christopher BrendlerD.A. Davidson & Co.