OppFi Inc. OPFI
- Market cap
- $531.7M
- P/E
- 1.9×
Follow OPFI
Target Price Range
Analyst price targets
Free account| 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | 2027 | 2028 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| — | — | — | — | 9.78 | 4.11 | 1.87 | 1.70 | 2.35 | 6.81 |
Analyst estimates 2026–2028 Powerpack |
Low Price
|
||
| — | — | — | — | 10.47 | 11.60 | 6.68 | 5.34 | 8.54 | 17.73 |
High Price
|
|||
| — | — | — | — | 3 | 573 | 465 | 445 | 445 | 410 |
Employees
|
|||
| — | — | — | 0 | 67 | 0 | 0 | 1 | 1 | 1 |
Revenue/Emp
|
|||
| — | — | — | 115 | 200 | 264 | 217 | 273 | 321 | 381 |
Revenue
|
|||
| — | — | — | 90.12% | 90.69% | 80.10% | 73.13% | 81.49% | 84.69% | 86.65% |
Gross Margin
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| — | — | — | 33 | 78 | 90 | 3 | 42 | 88 | 156 |
EBT
|
|||
| — | — | — | 28.72% | 38.71% | 34.17% | 1.41% | 15.30% | 27.39% | 40.96% |
EBT Margin
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|||
| — | 0 | — | 33 | 78 | 90 | 3 | 39 | 84 | 146 |
Net Income
|
|||
| — | — | — | 6 | 9 | 13 | 16 | 15 | 12 | 8 |
Depreciation
|
|||
| — | — | — | 0.00 | 1.57 | 19.95 | 15.59 | 16.67 | 15.96 | 14.38 |
Revenue/Sh
|
|||
| — | — | — | — | (0.01) | 1.93 | 0.51 | (0.06) | 0.36 | 0.99 |
Earnings/Sh
|
|||
| — | — | — | 0.00 | 1.51 | 12.66 | 17.49 | 18.07 | 16.07 | 15.14 |
Cash Flow/Sh
|
|||
| — | — | — | 0.00 | (0.08) | (1.09) | (0.95) | (0.55) | (0.65) | (0.72) |
Capex/Sh
|
|||
| — | — | — | 0.00 | 1.43 | 11.57 | 16.53 | 17.52 | 15.43 | 14.42 |
Free CF/Sh
|
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| — | — | — | 0.00 | 0.78 | 11.94 | 11.44 | 11.84 | 11.63 | 11.65 |
Book Value/Sh
|
|||
| — | — | — | — | 127 | 13 | 14 | 16 | 20 | 27 |
Shares
|
|||
| — | — | — | 0.00 | 0.00 | 2.59 | 3.88 | 0.00 | 19.15 | 12.60 |
PE Ratio
|
|||
| — | — | — | 0.00 | 0.00 | 0.23 | 0.13 | 0.28 | 0.48 | 0.73 |
PS Ratio
|
|||
| — | — | — | 43,233.76 | 5.83 | 0.38 | 0.18 | 0.40 | 0.66 | 0.90 |
PB Ratio
|
|||
| — | — | — | 0.00 | 0.00 | 0.95 | 1.49 | 1.23 | 1.20 | 1.33 |
EV/Sales
|
|||
| — | — | — | 0.00 | 0.00 | 1.63 | 1.40 | 1.17 | 1.24 | 1.32 |
EV/FCF
|
|||
| — | — | — | 149 | 192 | 167 | 243 | 296 | 324 | 401 |
Op' Cash Flow
|
|||
| — | — | — | (7) | (11) | (14) | (13) | (9) | (13) | (19) |
Capex
|
|||
| — | — | — | 142 | 181 | 153 | 230 | 287 | 311 | 382 |
FCF
|
|||
| — | — | — | — | 99 | 142 | 137 | 183 | 215 | 277 |
Working Cap'
|
|||
| — | — | — | — | 142 | 526 | 708 | 333 | 319 | 321 |
Total Debt
|
|||
| — | — | — | — | 96 | 463 | 659 | 259 | 230 | 228 |
Net Debt
|
|||
| — | — | — | 0 | 99 | 158 | 159 | 194 | 234 | 309 |
Sh' Equity
|
|||
| — | — | — | 0.00% | 54.24% | 6.49% | 1.31% | (0.17%) | 1.17% | 3.77% |
ROA
|
|||
| — | — | — | 0.00% | 24.75% | 5.76% | (0.48%) | 6.40% | 12.72% | 19.40% |
ROIC
|
|||
| — | — | — | 0.00% | 185.37% | 20.40% | 4.48% | (0.57%) | 3.39% | 9.70% |
ROE
|
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OppFi Inc. peers in Credit Services
| Company | Market cap | P/E | Compare |
|---|---|---|---|
| FINV PPDAI Group Inc. Sponsored ADR | $406.7M | 2.8× | Compare |
| GDOT Green Dot Corporation | $728.8M | 0.0× | Compare |
| OPRT Oportun Financial Corporation | $385.8M | 21.4× | Compare |
| PRAA PRA Group, Inc. | $762.0M | 0.0× | Compare |
| Company | Market cap | P/E | Compare |
|---|---|---|---|
| FOA Finance of America Companies Inc. | $365.5M | 0.0× | Compare |
| WRLD World Acceptance Corporation | $796.2M | 20.3× | Compare |
| NAVI Navient Corporation | $872.2M | 0.0× | Compare |
| QFIN Qfin Holdings Inc. - Sponsored ADR | $914.3M | 1.7× | Compare |
OppFi Inc. (OPFI) key facts
- OppFi Inc. (OPFI) is a Credit Services company in the Financial sector, listed on the New York Stock Exchange.
- OppFi Inc.’s revenue for fiscal 2025 (year ended December 2025) was $381.2 million, up 18.6% from fiscal 2024.
- As of September 25, 2026, OPFI traded at $6.28, a market capitalization of $531.7 million.
- Return on equity was 9.70% and debt-to-equity 0.67.
OppFi Inc. (OPFI) Latest News
17 Sep
BNCCORP stockholders have approved the merger with OppFi, Inc. Merger approval marks a major strategic expansion for OppFi.
20 Aug
OppFi cuts its guidance while maintaining its 2028 targets. Guidance reduction signals near-term pressure but unchanged 2028 targets limit broader trajectory shift.
17 Aug
OppFi Inc. released Q2 2026 earnings call transcript detailing financial results, operational metrics and forward outlook for the company. Q2 2026 earnings numbers and guidance directly influence stock valuation and investor positioning for OppFi.
12 Aug
OppFi (OPFI) stock fair value falls after analysts reassess guidance and credit risk. Analysts reassessing guidance and credit risk lowers fair value and affects market perception of OppFi.
11 Aug
OppFi Inc. shares plunged nearly 25% in one day on negative developments pressuring the stock. Sharp single-day decline points to material negative event likely to weigh on valuation and sentiment.
OppFi Inc reported record revenue in Q2 2026 earnings call alongside strategic shifts in operations and product focus. Record revenue and strategic shifts point to stronger financial trajectory and altered competitive positioning.
OppFi Inc. released Q2 earnings call highlights covering financial results, operational updates, and forward guidance for the company. Q2 earnings highlights disclose financial performance and outlook that can shift stock trajectory and investor sentiment.
OppFi Inc. held its Q2 2026 earnings call, covering financial results and operational updates. Earnings call data can moderately shift short-term market views on financials without major strategic shifts.
10 Aug
OppFi Inc. reported second quarter 2026 results including record revenue. Record quarterly revenue signals improved financial performance with potential short-term positive effects on stock valuation.
17 Jul
State attorneys general have raised alarms over OppFi and Enova business deals. State AG scrutiny of OppFi deals signals likely regulatory hurdles and operational constraints ahead.
27 May
California judge rules in favor of OppFi Inc. against regulator. Favorable ruling reduces regulatory risk for OppFi operations in California.
14 May
OppFi Inc. highlighted Q1 results with revenue growth, improved profitability, expanded lending volumes, and optimistic full-year guidance during its earnings call. Q1 earnings beats and raised guidance signal strong financial momentum likely to boost stock price and investor confidence significantly.
8 May
OppFi Inc. (OPFI) released Q1 2026 earnings call transcript detailing financial results, operational updates, and forward guidance. Q1 2026 earnings transcript discloses key financials, strategic initiatives, and outlook that can drive substantial shifts in market performance and investor confidence.
OppFi Inc. reported Q1 2026 results during its earnings call, covering revenue, loan originations, credit metrics, and forward guidance. Quarterly earnings call supplies updated financials and outlook that typically move near-term sentiment and valuation.
7 May
OppFi Inc. (OPFI) reported Q1 earnings and revenues that exceeded analyst estimates. Q1 earnings and revenue beats demonstrate strong financial performance, likely driving positive investor sentiment and stock price gains.
6 May
Cipher Digital reported a Q1 net loss wider than expected, with revenues declining year-over-year. Wider-than-expected Q1 loss and year-over-year revenue decline indicate moderately weakened financial performance for OppFi.
4 May
Concerns are mounting over OppFi Inc.'s acquisition of a bank, with alarm bells ringing about potential risks in the fintech firm's strategic move. OppFi's bank purchase faces scrutiny that could trigger regulatory hurdles and integration challenges, significantly impacting its future trajectory and market performance.
30 Apr
OppFi Inc. has finalized a $130 million acquisition of Arizona-based BNCCORP. The $130 million acquisition of BNCCORP provides OppFi with significant expansion into banking operations and deposit funding.
29 Apr
OppFi Inc. (OPFI) announces a definitive agreement to acquire BNCCORP, Inc. and BNC National Bank, which includes eliminating its Up-C structure. Acquiring a national bank provides OppFi with direct banking capabilities and eliminates the Up-C structure to boost investor appeal and long-term prospects.
OppFi Inc. (OPFI) to acquire BNCCORP and BNC National Bank in a $130 million deal. Acquiring BNCCORP and BNC National Bank for $130 million enables OppFi to expand into full banking services, significantly boosting its operational capabilities and market position.
Fintech OppFi Inc. (OPFI) plans to acquire an Arizona bank for $130 million, expanding into traditional banking services. Acquiring a bank represents a major strategic move that could enhance OppFi's lending capabilities, regulatory standing, and long-term growth trajectory.
OppFi Inc. (OPFI) to acquire BNCCORP in a transformative customer-focused transaction. OppFi's acquisition of BNCCORP constitutes a major strategic move poised to significantly alter its competitive position and market performance.
27 Mar
OppFi (OPFI) stock plunged 17.7% in four weeks amid market pressures, but technical indicators like RSI oversold conditions, bullish MACD crossover, and improving fundamentals signal a potential trend reversal. Indicators of potential reversal after sharp decline moderately boost short-term market sentiment and performance outlook.
11 Mar
OppFi Inc. (OPFI) reported strong revenue growth and strategic advancements in its Q4 2025 earnings call highlights. Strong revenue growth and strategic initiatives indicate significant positive impact on OppFi's future performance and investor sentiment.
OppFi Inc. (OPFI) released highlights from its Q4 earnings call, covering financial results, performance metrics, and forward-looking statements. Q4 earnings highlights reveal financial performance and guidance that significantly influence investor sentiment and stock trajectory.
OppFi Inc. summarized its Q4 2025 earnings call, detailing financial results, revenue growth, profitability metrics, operational updates, and forward guidance. Q4 earnings summaries disclose key financials and guidance that significantly influence stock performance and investor outlook.
OppFi Inc. (OPFI) released the transcript of its Q4 2025 earnings call, detailing financial performance, operational updates, and forward-looking guidance. Q4 earnings results, revenue figures, and future outlook significantly shape investor expectations and stock trajectory.
OppFi Inc. (OPFI) reported record annual revenue, net income, and adjusted net income. Record revenue and profits demonstrate strong financial performance likely to enhance investor sentiment and future market trajectory.
OppFi Inc. (OPFI) reported Q4 earnings that surpassed analyst estimates. Beating Q4 earnings estimates positively influences financial performance and market sentiment without fundamentally altering long-term trajectory.
6 Mar
OppFi (OPFI) investment narrative shifts with analysts issuing new price targets and updated risk assumptions. New price targets and risk assumptions moderately alter investor sentiment and OppFi's market trajectory.