A Fresh Look at OppFi (OPFI) Valuation After Raised Revenue Guidance and Buyback Completion

OppFi (OPFI) just raised its revenue expectations for 2025 and completed a notable share repurchase. These are two clear signals that management is confident about the company’s direction and prospects next year.

See our latest analysis for OppFi.

After the upbeat revenue outlook and completion of its buyback, OppFi’s positive momentum stands out. The 1-year total shareholder return sits at 89.5%, and its 3-year total return is an impressive 454%. These strong numbers have caught investor attention even as recent share price returns have pulled back a bit this month.

If you’re wondering what other names are showing real momentum, now’s the perfect time to broaden your search and discover fast growing stocks with high insider ownership

After such a surge in long-term returns and bold management actions, investors might be asking themselves if OppFi is undervalued at these levels or if all the future growth is already priced in.

Most Popular Narrative: 29.8% Undervalued

With a fair value of $14.17 and a recent close of $9.94, the most closely followed narrative sees meaningful upside potential in OppFi shares. The gap suggests that the current price may not yet reflect expectations for rapid expansion and margin improvements.

Continued strong digital adoption among underserved and subprime consumers, combined with OppFi's investments in automation (for example, the rollout of LOLA and increasing auto-approval rates), is driving increased customer acquisition and improved funnel metrics. These factors are expected to sustain double-digit revenue growth and enhance operating leverage in future periods.

Read the complete narrative.

Want to know the growth blueprint fueling this valuation? The narrative hints at aggressive adoption, automation breakthroughs, and profit margin leaps that could rewrite expectations. Curious about just how far analysts think OppFi's earnings and revenues can climb? The next move is to unpack the big assumptions behind this bullish target.

Result: Fair Value of $14.17 (UNDERVALUED)

Have a read of the narrative in full and understand what's behind the forecasts.

However, increased regulatory scrutiny or a surge in competition from alternative lenders could challenge OppFi’s growth narrative and profit outlook in the coming years.

Find out about the key risks to this OppFi narrative.

Another View: Are Valuation Ratios Sending a Warning?

While the most popular narrative points to undervaluation, looking at a standard valuation ratio tells a much different story. OppFi’s current price-to-earnings ratio stands at a hefty 73.3x, which is far above both the industry average of 10.4x and even its fair ratio of 25.6x. This gap suggests that, by this measure, the stock could be pricing in a lot of growth. Any disappointment may trigger strong reactions. So, which picture more closely matches where the value really lies?

See what the numbers say about this price — find out in our valuation breakdown.

Build Your Own OppFi Narrative

Feel you have a different perspective? Dive into the numbers and craft your own OppFi story in just a few minutes. Do it your way

A great starting point for your OppFi research is our analysis highlighting 2 key rewards and 2 important warning signs that could impact your investment decision.

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This article by Simply Wall St is general in nature. We provide commentary based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. We aim to bring you long-term focused analysis driven by fundamental data. Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material. Simply Wall St has no position in any stocks mentioned.

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