OPFI logo

OppFi Inc. Stock Price

NYSE:OPFI Community·US$584.5m Market Cap
  • 3 Narratives written by author
  • 0 Comments on narratives written by author
  • 64 Fair Values set on narratives written by author

OPFI Share Price Performance

US$7.13
-3.44 (-32.54%)
US$12.17
Fair Value
US$7.13
-3.44 (-32.54%)
41.4% undervalued intrinsic discount
US$12.17
Fair Value
Price US$7.13
AnalystConsensusTarget US$12.17
AnalystHighTarget US$16.00
AnalystLowTarget US$11.00

OPFI Community Narratives

·
Fair Value US$12.17 41.4% undervalued intrinsic discount

Digital Adoption And Automation Will Transform Alternative Credit Market

2users have liked this narrative
0users have commented on this narrative
41users have followed this narrative
·
Fair Value US$16 55.4% undervalued intrinsic discount

AI Models And New Credit Platform Will Transform Long-Term Earnings Power

0users have liked this narrative
0users have commented on this narrative
0users have followed this narrative
·
Fair Value US$11 35.2% undervalued intrinsic discount

Faster Underwriting Models May Strain Credit Quality Yet Ultimately Support Long Term Stability

0users have liked this narrative
0users have commented on this narrative
1users have followed this narrative
US$12.17
41.4% undervalued intrinsic discount
Revenue
51.52% p.a.
Profit Margin
28.61%
Future PE
4.97x
Price in 2029
US$8.65
US$11
35.2% undervalued intrinsic discount
Revenue
45.22% p.a.
Profit Margin
7.96%
Future PE
4.62x
Price in 2029
US$14.13
US$16
55.4% undervalued intrinsic discount
Revenue
45.78% p.a.
Profit Margin
26.3%
Future PE
2.35x
Price in 2029
US$20.5

Trending Discussion

No trending discussion available.

Updated Narratives

OPFI logo

OPFI: 2028 EPS Ambitions Will Support Upside Despite Tighter Credit

Fair Value: US$12.17 41.4% undervalued intrinsic discount
41 users have set this as their fair value
0 users have commented on this narrative
0 users have liked this narrative
OPFI logo

Faster Underwriting Models May Strain Credit Quality Yet Ultimately Support Long Term Stability

Fair Value: US$11 35.2% undervalued intrinsic discount
1 users have set this as their fair value
0 users have commented on this narrative
0 users have liked this narrative
OPFI logo

AI Models And New Credit Platform Will Transform Long-Term Earnings Power

Fair Value: US$16 55.4% undervalued intrinsic discount
0 users have set this as their fair value
0 users have commented on this narrative
0 users have liked this narrative

Snowflake Analysis

High growth potential with proven track record.

2 Risks
4 Rewards

OppFi Inc. Key Details

US$327.5m

Revenue

US$0

Cost of Revenue

US$327.5m

Gross Profit

US$225.8m

Other Expenses

US$101.7m

Earnings

Last Reported Earnings
Jun 30, 2026
Next Reporting Earnings
n/a
1.19
100.00%
31.06%
66.7%
View Full Analysis

About OPFI

Founded
2012
Employees
410
CEO
Todd Schwartz
WebsiteView website
www.oppfi.com

OppFi Inc., a tech-enabled digital finance platform, provides financial products and services for banks in the United States. The company offers installment loans through OppLoans platform. It serves consumers who are turned away by mainstream options. OppFi Inc. was founded in 2012 and is based in Chicago, Illinois.

Recent OPFI News & Updates

Seeking Alpha 13h

OppFi's Guidance Cut Has Created Opportunity

Summary OppFi trades at a steep discount, with shares at 4.37x forward non-GAAP earnings—over 60% below the sector median—despite resilient revenue and free cash flow growth. OPFI management tightened underwriting, sacrificing short-term volume for portfolio quality, margin stability, and long-term profitability, as evidenced by improved recoveries and disciplined expense control. The BNC National Bank acquisition is expected to be financially transformative, expanding OPFI’s platform, boosting adjusted EPS by 25% in year one, and targeting 10% ROA and 35% ROE by 2028. I maintain a Buy rating—not Strong Buy—due to significant regulatory and credit risk; upside exists if legal clarity or improved revenue mix materializes post-BNC integration. Read the full article on Seeking Alpha
Narrative Update Aug 12

OPFI: 2028 EPS Ambitions Will Support Upside Despite Tighter Credit

Analysts have trimmed their price targets on OppFi, with the fair value estimate moving from about $13.33 to $12.17 as they factor in tighter credit trends, softer originations, and updated long term revenue, margin, and P/E assumptions following recent Q2 results and guidance changes. Analyst Commentary Recent research on OppFi shows a mix of optimism about long term earnings potential and caution around execution over the next few years.

Recent updates

No updates