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OppFi
(NYSE:OPFI)
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Rating:71Outperform
Price Target:
$6.50
▼(-8.45% Downside)
Action:Upgraded
Date:09/22/26
OPFI scores well overall primarily due to strong recent profitability and exceptional free-cash-flow generation, supported by an extremely low P/E valuation. These positives are tempered by weak technical momentum (price below key moving averages with negative MACD) and a mixed near-term outlook from the latest earnings call, including reduced 2026 guidance and elevated credit losses despite longer-term strategic progress.
Positive Factors
Cash Generation
OppFi is converting reported earnings into substantial cash, with free cash flow equal to about 96% of net income and growth across several years. This supports reinvestment in products, funding flexibility, and resilience while the company expands its platform.
Negative Factors
Elevated Credit Losses
Higher charge-offs directly pressure earnings and cash economics in OppFi’s non-prime lending model, where repayment performance is central to returns. Persistently elevated losses could reduce the benefit of strong origination economics and require tighter underwriting or more conservative growth.
Read all positive and negative factors
Positive Factors
Negative Factors
Cash Generation
OppFi is converting reported earnings into substantial cash, with free cash flow equal to about 96% of net income and growth across several years. This supports reinvestment in products, funding flexibility, and resilience while the company expands its platform.
Read all positive factors
OppFi (OPFI) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$495.91M
Dividend Yield4.67%
Average Volume (3M)805.72K
Price to Earnings (P/E)1.7
Beta (1Y)1.59
Revenue Growth10.16%
EPS GrowthN/A
CountryUS
Employees410
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)3.37
Shares Outstanding85,208,244
10 Day Avg. Volume583,944
30 Day Avg. Volume805,721
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 Cap2.13
Enterprise Value/Revenue1.73
Enterprise Value/Gross Profit2.05
Enterprise Value/Ebitda2.70
Forecast
1Y Price Target
$12.17Price Target Upside71.36% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering3
EPS Forecast (FY)1.41
Revenue Forecast (FY)$611.58M
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 ...
How the Company Makes Money
OppFi primarily makes money through revenue generated from consumer lending activities facilitated via its platform. Key revenue streams include: (1) Interest income and/or finance charges associated with installment loan products made available t...
OppFi Earnings Call Summary
Earnings Call Date:Aug 10, 2026
(Q2-2026)
| % Change Since: |
Next Earnings Date:Nov 05, 2026
Earnings Call Sentiment Neutral
The call balanced near-term operational and financial headwinds (lower originations, elevated net charge-offs ratios, reduced 2026 guidance and decreased adjusted earnings) with clear strategic progress (modular platform enabling faster product launches, completed LOC testing, improved recoveries, controlled adjusted operating expenses, strong liquidity and capital position, and continued confidence in long-term targets and the BNC acquisition). Management emphasized prioritizing balance sheet strength and unit economics over short-term volume and expects product rollouts and synergies to drive growth in 2H 2026 and beyond.Positive Updates
Revenue Growth and Record Q2
Revenue of $145.0M in Q2 2026, up 1.9% year-over-year and a company record for any second quarter.
Negative Updates
Originations Decline and Product Rollout Delays
Originations decreased 9% year-over-year to $212M in Q2 2026. Management cited delayed completion of the LOLA system migration and a ~2-month later-than-planned launch of the line of credit (targeted for September) as key drivers of lower-than-expected originations and pushed back some product rollouts by a few months.
Read all updates
Q2-2026 Updates
Positive
Negative
Revenue Growth and Record Q2
Revenue of $145.0M in Q2 2026, up 1.9% year-over-year and a company record for any second quarter.
Read all positive updates
Company Guidance
OppFi revised 2026 guidance to total revenue of $600–$625 million, adjusted net income of $115–$130 million and adjusted EPS of $1.34–$1.51 (citing a slight timing delay in the line-of-credit launch and LOLA migration), while reiterating unchanged expectations for 2027–2028 and a path to approximately $3.00 EPS by end of 2028; management also said they’re investing over $150 million this year to support a multi‑product platform and a target of $500 million adjusted net income within five years, expect to close the BNC National Bank acquisition in Q4 with revenue synergies beginning in 2027 and combined-company 2028 targets of ROA ≥10% and ROE ≥35%, have begun repurchases under a $40 million program, and enter the period with $92 million cash, $277 million total debt, $414 million equity and $541.8 million total funding capacity (including $173.5 million unused).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
6.96
Negative
7.97
Negative
8.51
Negative
Market Momentum
-0.37
Negative
27.12
Positive
9.52
Positive
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 6.15, above the 50-day MA of 6.96, and below the 200-day MA of 8.51, indicating a bearish trend. The MACD of -0.37 indicates Negative momentum. The RSI at 27.12 is Positive, neither overbought nor oversold. The STOCH value of 9.52 is Positive, 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 |
|---|---|---|---|---|---|---|---|
71 Outperform | $495.91M | 1.69 | 68.06% | 4.67% | 10.16% | ― | |
71 Outperform | $421.70M | 21.95 | 4.95% | ― | -2.34% | ― | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | $6.45B | 8.20 | 23.07% | 7.69% | 6.93% | 19.96% | |
63 Neutral | $317.46M | 6.70 | 12.49% | 3.59% | 9.63% | 40.75% | |
63 Neutral | $826.50M | 20.02 | 11.00% | ― | 4.36% | -42.48% | |
63 Neutral | $4.36B | 12.19 | 25.76% | ― | 17.65% | 43.92% |
* Financial Sector Average
OPFI
OppFi
5.69
-4.17
-42.29%
RM
Regional Management
33.38
-5.05
-13.14%
WRLD
World Acceptance
172.33
-6.95
-3.88%
OMF
OneMain Holdings
54.64
3.36
6.55%
ENVA
Enova International
174.18
62.47
55.92%
OPRT
Oportun Financial
8.78
3.26
59.06%
OppFi Corporate Events
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.