OppFi Inc. (OPFI) AI Stock Analysis

OppFi Inc. operates as a financial technology platform based in Chicago, Illinois, specializing in facilitating lending products in collaboration with banks. The platform enables access to a range of financial solutions designed to meet diverse consumer needs. These include OppLoan, an installment loan product tailored to provide flexible repayment options and financial assistance. In addition, OppFi Inc. offers SalaryTap, a payroll deduction secured installment loan product that provides structured borrowing solutions. The company also provides OppFi Card, a credit card product offering payment options to its clientele.

Between FY2021 and FY2025, OppFi Inc.'s revenue grew from $350.6M to $597.0M, representing a 5-year revenue CAGR of 15.5%. Annual revenue increased 13.5% in FY2025, accompanied by an expansion in gross margin to 83.2% and operating margin to 64.1%, while net income reached $26.3M with diluted EPS of $1.59. Over the trailing twelve months, revenue was $327.5M, operating margin was 31.2%, and net income generated diluted EPS of $2.14. For the latest quarter ended June 30, 2026, quarterly revenue fell 13.9% year-over-year, while quarterly earnings grew 266.4% year-over-year.

As of June 30, 2026, OppFi held $64.3M in cash and short-term investments against total debt of $293.6M, resulting in net debt of $229.2M. The company reported shareholders' equity of $414.3M and total assets of $770.7M, alongside a current ratio of 57.15 and a debt-to-equity ratio of 0.71. During FY2025, operating cash flow stood at $401.3M and free cash flow was $382.2M. Capital deployment in FY2025 included capital expenditures of $19.1M, share buybacks of $15.5M, and dividends paid of $64.9M.

OppFi trades at a trailing P/E of 2.6x and a forward P/E of 3.1x, compared to medians of 12.1x and 10.8x for its US-listed Financial Services peers. The stock's EV to EBITDA multiple is 1.9x versus the peer median of 11.7x, and its price-to-sales ratio is 1.5x versus 3.2x. At its last close of $5.65 on October 16, 2026, the stock has declined 40.3% over the past year, while the S&P 500 returned 16.8%. Over 5 years, the stock is down 17.2%, compared to an 83.0% gain for the S&P 500.

Wall Street coverage consists of 1 Strong Buy, 1 Buy, and 1 Hold rating. The mean price target is $12.19, representing an upside of 115.8% from the last close of $5.65. For the fiscal year ending December 31, 2026, analysts estimate revenue of $611.4M and EPS of $1.41, an EPS contraction of 11.6%. For the next fiscal year, 4 analysts estimate revenue of $703.5M and EPS of $1.92. OppFi has beaten EPS estimates in 3 of the last 4 quarters, with next earnings scheduled for November 4, 2026.

This page is an AI-written research summary of OppFi Inc. (OPFI). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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