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OppFi
(NYSE:OPFI)
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Rating:74Outperform
Price Target:
$6.00
▼(-15.49% Downside)
Action:Reiterated
Date:10/28/26
The score is driven primarily by strong financial performance (notably robust free cash flow and improved margins) and very low valuation (P/E 1.617). These positives are tempered by weak technicals (broadly below key moving averages with negative MACD) and near-term operating/credit-pressure commentary from the latest earnings call despite constructive guidance and strategic progress.
Positive Factors
Strong cash generation
OppFi is converting reported earnings into substantial cash, providing internal funding for technology investment, product expansion and balance-sheet needs. The multi-year growth in free cash flow supports the durability of its operating model and gives management greater flexibility through changing credit conditions.
Negative Factors
Revenue and originations are weakening
Lower revenue and originations indicate pressure on lending volume and near-term demand, limiting operating leverage and making growth targets more dependent on new products and pricing initiatives. Continued softness could constrain the scale benefits OppFi expects from its technology investments.
Read all positive and negative factors
Positive Factors
Negative Factors
Strong cash generation
OppFi is converting reported earnings into substantial cash, providing internal funding for technology investment, product expansion and balance-sheet needs. The multi-year growth in free cash flow supports the durability of its operating model and gives management greater flexibility through changing credit conditions.
Read all positive factors
OppFi (OPFI) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$480.57M
Dividend Yield4.67%
Average Volume (3M)727.76K
Price to Earnings (P/E)1.7
Beta (1Y)1.59
Revenue Growth5.58%
EPS GrowthN/A
CountryUS
Employees410
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)3.37
Shares Outstanding85,208,244
10 Day Avg. Volume575,608
30 Day Avg. Volume727,760
Financial Highlights & Ratios
PEG Ratio0.06
Price to Book (P/B)4.74
Price to Sales (P/S)0.46
P/FCF Ratio0.73
Enterprise Value/Market Cap1.51
Enterprise Value/Revenue1.19
Enterprise Value/Gross Profit1.41
Enterprise Value/Ebitda1.85
Forecast
1Y Price Target
$12.17Price Target Upside71.36% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering3
EPS Forecast (FY)1.4
Revenue Forecast (FY)$609.09M
OppFi Business Overview & Revenue Model
Company Description
OppFi Inc. provides a financial technology platform that enables banks to extend various lending solutions. This platform notably features several distinct financial instruments: the OppLoan, a standard installment loan; SalaryTap, an installment ...
OppFi Earnings Call Summary
Earnings Call Date:Oct 28, 2026
(Q3-2026)
| % Change Since: |
Next Earnings Date:Mar 11, 2027
Earnings Call Sentiment Positive
The call was broadly constructive, with management highlighting substantial progress on new products, technology migration, AI initiatives, capital allocation and long-term growth plans. However, third-quarter revenue, originations, adjusted net income and EPS declined, credit loss metrics increased, consumer conditions remained challenging and BNCC regulatory approval is still pending. The breadth of strategic progress and maintained long-term outlook outweighed the near-term financial pressures.Positive Updates
Strategic Progress Across Key Initiatives
Management described Q3 as one of the most productive quarters in the company's history, with progress across strategic initiatives including the BNCC transaction, the new line of credit product, the LOLA platform, Pricing Test 5, Model 7, and Bitty.
Negative Updates
Revenue Declined Year Over Year
Third-quarter revenue was $149 million, a 3.8% decrease from Q3 25.
Read all updates
Q3-2026 Updates
Positive
Negative
Strategic Progress Across Key Initiatives
Management described Q3 as one of the most productive quarters in the company's history, with progress across strategic initiatives including the BNCC transaction, the new line of credit product, the LOLA platform, Pricing Test 5, Model 7, and Bitty.
Read all positive updates
Company Guidance
OppFi refined its full year 2026 guidance to total revenue of $600 million to $610 million, adjusted net income of $115 million to $120 million, and adjusted EPS of $1.34 to $1.40; it expects Pricing Test 5 to support origination growth in Q4 and into 2027, sees considerable growth potential for LOC in 2027, expects Model 7 to launch in Q4 and drive higher conversion and application to funded rates, expects existing-customer and data migration to be substantially complete heading into 2027, and expects AI capabilities development to begin in 2027. The company said its expectations for 2027 and 2028 remain intact, remains confident in its path toward achieving its long term objective of approximately $3 of earnings per share by the end of 28, and is investing more than $150 million this year on its path to its objective of $500 million in adjusted net income within 5 years.OppFi Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
78
Positive
Cash Flow
90
Very Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 611.39M | 597.05M | 525.96M | 508.95M | 452.86M | 350.57M |
| Gross Profit | 515.56M | 496.99M | 420.78M | 401.52M | 357.72M | 261.40M |
| EBITDA | 390.89M | 387.70M | 308.60M | 290.51M | 244.77M | 100.53M |
| Net Income | 101.72M | 26.33M | 7.26M | -1.00M | 7.10M | 25.55M |
Balance Sheet | ||||||
| Total Assets | 770.73M | 754.09M | 641.17M | 601.54M | 579.84M | 502.11M |
| Cash, Cash Equivalents and Short-Term Investments | 64.35M | 49.45M | 61.34M | 31.79M | 16.24M | 25.06M |
| Total Debt | 293.59M | 332.78M | 332.05M | 349.18M | 363.62M | 274.02M |
| Total Liabilities | 356.47M | 445.21M | 406.96M | 407.51M | 420.69M | 344.23M |
| Stockholders Equity | 414.25M | 58.48M | 32.77M | 10.44M | -494.00K | -9.04M |
Cash Flow | ||||||
| Free Cash Flow | 389.68M | 382.19M | 310.80M | 287.15M | 230.05M | 152.97M |
| Operating Cash Flow | 409.67M | 401.31M | 323.81M | 296.15M | 243.30M | 167.35M |
| Investing Cash Flow | -270.72M | -307.80M | -243.44M | -244.29M | -317.24M | -199.47M |
| Financing Cash Flow | -125.37M | -88.53M | -66.02M | -27.58M | 61.26M | 48.83M |
OppFi Technical Analysis
Negative
7.10
Price Trends
6.49
Negative
7.69
Negative
8.27
Negative
Market Momentum
-0.30
Negative
38.99
Neutral
32.74
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For OPFI, the sentiment is Negative. The current price of 7.1 is above the 20-day moving average (MA) of 5.78, above the 50-day MA of 6.49, and below the 200-day MA of 8.27, indicating a bearish trend. The MACD of -0.30 indicates Negative momentum. The RSI at 38.99 is Neutral, neither overbought nor oversold. The STOCH value of 32.74 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for OPFI.
OppFi Risk Analysis
OppFi disclosed 94 risk factors in its most recent earnings report. OppFi reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
OppFi Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
74 Outperform | $480.57M | 1.67 | 68.06% | 4.67% | 5.58% | ― | |
71 Outperform | $449.30M | 24.43 | 4.95% | ― | -2.34% | ― | |
69 Neutral | $310.45M | 6.56 | 11.45% | 3.57% | 9.63% | 40.75% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | $6.63B | 8.66 | 23.07% | 7.29% | 6.93% | 19.96% | |
65 Neutral | $4.40B | 11.69 | 26.36% | ― | 20.08% | 33.74% | |
63 Neutral | $783.63M | 15.96 | 14.16% | ― | 4.63% | ― |
* Financial Sector Average
OPFI
OppFi
5.64
-4.73
-45.61%
RM
Regional Management
33.65
-4.07
-10.78%
WRLD
World Acceptance
174.14
42.25
32.03%
OMF
OneMain Holdings
57.65
5.49
10.53%
ENVA
Enova International
179.82
58.44
48.15%
OPRT
Oportun Financial
9.77
4.41
82.28%
OppFi Corporate Events
Business Operations and StrategyStock BuybackFinancial Disclosures
OppFi Q3 Results Highlight Strategic Shift Amid Profit Decline
Negative
Oct 28, 2026
On October 28, 2026, OppFi reported third-quarter 2026 results that reflected a strategic shift even as headline earnings softened. For the quarter ended September 30, 2026, total revenue slipped 3.8% year on year to $149.2 million, while net inco...
Business Operations and StrategyM&A TransactionsPrivate Placements and FinancingShareholder Meetings
OppFi Secures New Term Loan to Support Growth
Positive
Sep 21, 2026
On September 15, 2026, OppFi’s wholly owned subsidiary Opportunity Funding SPE Residual, LLC drew an initial $75 million under a senior secured multi-draw term loan facility that allows up to $100 million of borrowings at fixed double‑...
Business Operations and StrategyStock BuybackFinancial DisclosuresPrivate Placements and Financing
OppFi Secures New Term Loan and Reports Record Revenue
Positive
Aug 10, 2026
On August 10, 2026, OppFi entered into a senior secured multi-draw term loan agreement that allows its special purpose subsidiary to borrow up to $100 million, with an initial draw capacity of $75 million and a four-year maturity tied to the first...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.