OppFi (OPFI) Stock Overview
A tech-enabled digital finance platform, provides financial products and services for banks in the United States. More details
| Snowflake Score | |
|---|---|
| Valuation | 3/6 |
| Future Growth | 5/6 |
| Past Performance | 4/6 |
| Financial Health | 4/6 |
| Dividends | 0/6 |
OPFI Community Fair Values
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Analyst Price Targets
OppFi Inc. Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | US$6.98 |
| 52 Week High | US$12.45 |
| 52 Week Low | US$6.50 |
| Beta | 1.82 |
| 1 Month Change | -22.62% |
| 3 Month Change | -15.90% |
| 1 Year Change | -29.99% |
| 3 Year Change | 167.43% |
| 5 Year Change | -10.17% |
| Change since IPO | -29.14% |
Recent News & Updates
Seeking Alpha • Aug 13
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
Seeking Alpha • Aug 13
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 AlphaNarrative 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.Narrative Update • 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.
New Narrative • 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?
New Narrative • 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?Narrative Update • 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.Narrative Update • 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.Narrative Update • 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.Narrative Update • 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 AlphaAnalysis Article • 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 AlphaAnalysis Article • 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
New Narrative • 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.Analysis Article • 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 AlphaShareholder Returns
| OPFI | US Consumer Finance | US Market | |
|---|---|---|---|
| 7D | -0.6% | -0.2% | -1.2% |
| 1Y | -30.0% | 1.5% | 18.3% |
Return vs Industry: OPFI underperformed the US Consumer Finance industry which returned 1.4% over the past year.
Return vs Market: OPFI underperformed the US Market which returned 17.8% over the past year.
Price Volatility
| OPFI volatility | |
|---|---|
| OPFI Average Weekly Movement | 9.9% |
| Consumer Finance Industry Average Movement | 7.3% |
| Market Average Movement | 7.2% |
| 10% most volatile stocks in US Market | 16.4% |
| 10% least volatile stocks in US Market | 3.1% |
Stable Share Price: OPFI has not had significant price volatility in the past 3 months compared to the US market.
Volatility Over Time: OPFI's weekly volatility (10%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 2012 | 410 | Todd Schwartz | 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. Fundamentals Summary
| OPFI fundamental statistics | |
|---|---|
| Market cap | US$594.75m |
| Earnings (TTM) | US$101.72m |
| Revenue (TTM) | US$327.48m |
5.8x
P/E Ratio1.8x
P/S RatioIs OPFI overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| OPFI income statement (TTM) | |
|---|---|
| Revenue | US$327.48m |
| Cost of Revenue | US$0 |
| Gross Profit | US$327.48m |
| Other Expenses | US$225.76m |
| Earnings | US$101.72m |
Last Reported Earnings
Jun 30, 2026
Next Earnings Date
n/a
| Earnings per share (EPS) | 1.19 |
| Gross Margin | 100.00% |
| Net Profit Margin | 31.06% |
| Debt/Equity Ratio | 66.7% |
How did OPFI perform over the long term?
See historical performance and comparisonCompany Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2026/08/24 20:34 |
| End of Day Share Price | 2026/08/21 00:00 |
| Earnings | 2026/06/30 |
| Annual Earnings | 2025/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.
Learn about the world class team who designed and built the Simply Wall St analysis model.
Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
OppFi Inc. is covered by 8 analysts. 4 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| David Scharf | Citizens JMP Securities, LLC |
| null null | D.A. Davidson & Co. |
| Christopher Brendler | D.A. Davidson & Co. |