OppFi (OPFI) AI Stock Analysis

• Market Cap: $1.06B
• Dividend Yield: N/A
• Average Volume (3M): 1.01M
• Price to Earnings (P/E): 50.5
• Beta (1Y): 1.46
• Revenue Growth: 6.79%
• EPS Growth: -593.75%
• Country: US
• Employees: 445
• Sector: Financial
• Sector Strength: 70
• Industry: Software - Application
• EPS (TTM): 0.45
• Shares Outstanding: 28,357,891
• 10 Day Avg. Volume: 1,103,352
• 30 Day Avg. Volume: 1,011,909
• PEG Ratio: -0.03
• Price to Book (P/B): 4.71
• Price to Sales (P/S): 0.29
• P/FCF Ratio: 0.50
• Enterprise Value/Market Cap: 0.78
• Enterprise Value/Revenue: 1.52
• Enterprise Value/Gross Profit: 1.88
• Enterprise Value/Ebitda: 2.86
• 1Y Price Target: $16.00
• Price Target Upside: 30.72% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1

• Rating: 62 Neutral
• Price Target: $11.00 ▼(-10.13% Downside)

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.

Positive Factors

Revenue Growth

Consistent revenue growth indicates strong market demand and effective business strategies, enhancing long-term financial stability.

Technological Advancements

The new loan origination system, LOLA, is expected to improve efficiency and customer satisfaction, strengthening competitive advantage.

Cash Flow Generation

Robust cash flow generation supports debt servicing and potential investments, providing a cushion for financial flexibility.

Negative Factors

High Leverage

High leverage can strain financial resources, limiting the company's ability to invest in growth and handle economic downturns.

Net Profitability Challenges

Challenges in achieving net profitability could hinder long-term growth and investor confidence, impacting financial health.

Macroeconomic Concerns

Macroeconomic uncertainties could affect consumer spending and borrowing, impacting OppFi's revenue and profitability.

OppFi Business Overview & Revenue Model

Company Description

OppFi Inc. operates a financial technology platform that allows banks to offer lending products. Its platform facilitates the OppLoan, an installment loan product; SalaryTap, a payroll deduction secured installment loan product; and OppFi Card, a credit card product. The company is based in Chicago, Illinois.

How the Company Makes Money

OppFi makes money primarily through the interest and fees associated with the installment loans it provides to consumers. The company utilizes its technology platform to underwrite and service these loans, generating revenue from the interest payments made by borrowers. Additionally, OppFi partners with banks to facilitate these loans, allowing them to reach a broader customer base while adhering to regulatory requirements. The company's revenue model relies on the volume of loans issued and the interest rates applied, which are typically higher than those offered by traditional banks due to the higher risk associated with their target customer base.

OppFi Financial Statement Overview

Summary

OppFi demonstrates strong revenue growth and robust cash flow generation, but struggles with net profitability and high leverage. The positive cash flow is a strength, yet improving net income and reducing debt are crucial for financial health.

Income Statement

OppFi has demonstrated consistent revenue growth from 2020 to 2025, with a notable increase in total revenue reaching $538.9 million TTM. Despite a positive gross profit margin over the years, the company has faced challenges in maintaining net profitability, highlighted by a negative net income in recent periods. The company's EBIT and EBITDA margins have also shown improvement, reflecting operational efficiencies, but the negative net profit margin indicates underlying profitability issues.

Balance Sheet

The balance sheet reveals a high debt-to-equity ratio due to substantial total debt relative to equity, posing a financial risk. While the equity ratio remains low, indicating limited equity financing, the company has managed to maintain a positive return on equity in some periods. However, the fluctuating and sometimes negative stockholders' equity poses a potential risk to financial stability.

Cash Flow

OppFi's cash flow statement shows a strong operating cash flow, with consistent positive free cash flow, indicating robust cash generation from operations. The company has also achieved a healthy free cash flow to net income ratio, although the significant variance in net income has impacted this metric. The free cash flow growth rate is promising, providing a cushion for debt servicing and potential investments.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	538.89M	525.96M	508.95M	452.86M	350.57M	291.01M
Gross Profit	437.11M	420.78M	388.98M	344.67M	251.34M	239.19M
EBITDA	287.24M	308.60M	46.35M	55.32M	118.20M	103.53M
Net Income	-9.65M	7.26M	-1.00M	7.10M	25.55M	77.52M
Balance Sheet
Total Assets	640.07M	641.17M	601.54M	579.84M	502.11M	285.84M
Cash, Cash Equivalents and Short-Term Investments	57.95M	61.34M	31.79M	16.24M	25.06M	25.60M
Total Debt	300.84M	332.05M	349.18M	363.62M	274.02M	158.10M
Total Liabilities	403.31M	406.96M	407.51M	420.69M	344.23M	186.51M
Stockholders Equity	22.55M	32.77M	10.44M	-494.00K	-9.04M	99.33M
Cash Flow
Free Cash Flow	321.43M	310.80M	287.15M	230.05M	152.97M	181.39M
Operating Cash Flow	332.30M	323.81M	296.15M	243.30M	167.35M	192.11M
Investing Cash Flow	-279.90M	-243.44M	-244.29M	-317.24M	-199.47M	-98.31M
Financing Cash Flow	-50.36M	-66.02M	-27.58M	61.26M	48.83M	-84.12M

OppFi Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 12.24
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For OPFI, the sentiment is Positive. The current price of 12.24 is above the 20-day moving average (MA) of 11.07, above the 50-day MA of 10.80, and above the 200-day MA of 10.89, indicating a bullish trend. The MACD of 0.37 indicates Negative momentum. The RSI at 63.07 is Neutral, neither overbought nor oversold. The STOCH value of 72.89 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for OPFI.

OppFi Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
MAPS	65 Neutral	179.23M	13.18	21.17%	―	2.37%	―
OPFI	62 Neutral	$1.06B	50.49	-209.49%	―	6.79%	-593.75%
ONTF	56 Neutral	255.53M	-7.01	-24.17%	―	-6.88%	15.83%
BMBL	49 Neutral	653.19M	-0.85	-147.04%	―	-5.06%	-2318.18%
OCFT	46 Neutral	291.79M	-2.90	-17.97%	―	-48.61%	-2291.48%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%

OppFi Corporate Events

OppFi Expands Share Repurchase Program by $20 Million

On August 26, 2025, OppFi Inc. announced an increase in its share repurchase program, authorizing an additional $20 million for the repurchase of its Class A common stock, bringing the total authorization to $40 million. This move reflects the company’s confidence in its long-term growth prospects and commitment to returning value to shareholders, with repurchases to be made based on market conditions and other factors. The repurchase program, which does not obligate the company to buy a specific amount, will expire in April 2027.

The most recent analyst rating on (OPFI) stock is a Hold with a $10.00 price target. To see the full list of analyst forecasts on OppFi stock, see the OPFI Stock Forecast page.

OppFi Publishes Supplemental Information on Warrants

On August 21, 2025, OppFi Inc. announced the publication of supplemental information regarding its outstanding warrants to purchase shares of its Class A common stock. This move aims to provide stockholders and potential investors with insights into the potential positive impacts of the warrants on OppFi’s capital structure, including the possibility of a significant capital infusion to support strategic initiatives if the warrants are exercised. This information is accessible on the company’s Investor Relations page and through a Current Report on Form 8-K filed with the SEC.

The most recent analyst rating on (OPFI) stock is a Hold with a $10.00 price target. To see the full list of analyst forecasts on OppFi stock, see the OPFI Stock Forecast page.

OppFi Reports Record Q2 Revenue and Adjusted Income

On August 6, 2025, OppFi Inc. announced its financial results for the second quarter ending June 30, 2025, reporting a record quarterly revenue of $142.4 million, a 12.8% increase year over year. Despite a decrease in GAAP net income by 58.5% to $11.5 million, the company achieved a record adjusted net income of $39.4 million, marking a 59.0% increase. The company also raised its full-year revenue guidance to $578 million to $605 million and adjusted net income guidance to $125 million to $130 million, citing operational improvements and a strong customer satisfaction rate as key drivers for these positive results.

The most recent analyst rating on (OPFI) stock is a Buy with a $10.00 price target. To see the full list of analyst forecasts on OppFi stock, see the OPFI Stock Forecast page.