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OppFi ( (OPFI) ) has provided an update.
On September 29, 2025, OppFi Inc. announced the closure of a new $150 million revolving credit facility, replacing a prior facility. This new agreement, which has a four-year term, is expected to significantly reduce financing costs, with a lowered interest rate from SOFR + 7.5% to SOFR + 6.0%. The facility aims to support OppFi’s ongoing growth in finance receivables and further its mission of providing credit access to underserved Americans. A portion of the proceeds was used to repay the outstanding borrowings under the previous credit agreement, which was terminated without incurring early termination penalties. The new facility is seen as a testament to the strength and durability of OppFi’s business model, enhancing its industry positioning and operational growth.
The most recent analyst rating on (OPFI) stock is a Buy with a $14.00 price target. To see the full list of analyst forecasts on OppFi stock, see the OPFI Stock Forecast page.
Spark’s Take on OPFI Stock
According to Spark, TipRanks’ AI Analyst, OPFI is a Neutral.
OppFi’s overall score reflects strong revenue growth and operational improvements, as highlighted in the earnings call. However, financial challenges such as high leverage and negative profitability weigh down the score. Technical indicators suggest bearish momentum, and valuation metrics highlight profitability issues.
To see Spark’s full report on OPFI stock, click here.
More about OppFi
OppFi Inc. is a tech-enabled digital finance platform that partners with banks to offer financial products and services to everyday Americans. The company focuses on financial inclusion and exceptional customer experience, assisting consumers underserved by traditional financing options in building improved financial health. OppFi also holds a 35% equity interest in Bitty Holdings, LLC, which provides revenue-based financing and other working capital solutions to small businesses.
Average Trading Volume: 1,077,172
Technical Sentiment Signal: Buy
Current Market Cap: $977.8M
For detailed information about OPFI stock, go to TipRanks’ Stock Analysis page.