OppFi Rises 139% Over the Past Year: Is It Time to Invest or Hold Off?
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Sep 11 2025
0mins
Should l Buy PYPL?
Source: NASDAQ.COM
Stock Performance: OppFi Inc. (OPFI) shares have surged 139.2% over the past year, significantly outperforming its industry and competitors like PayPal and Repay, which have seen declines.
Customer-Centric Strategy: OPFI's bank-partner model targets underserved customers with low credit scores, utilizing AI to enhance service efficiency and customer satisfaction, reflected in a high Net Promoter Score (NPS) of 79.
Financial Outlook: The company anticipates revenue growth for 2025, projecting $578-$605 million, and a significant increase in adjusted net income, indicating strong management confidence and upward revisions in earnings estimates.
Valuation and Recommendation: With a discounted valuation compared to industry averages and a strong liquidity position, analysts recommend buying OPFI stock, which currently holds a Zacks Rank #1 (Strong Buy).
Trade with 70% Backtested Accuracy
Stop guessing "Should I Buy PYPL?" and start using high-conviction signals backed by rigorous historical data.
Sign up today to access powerful investing tools and make smarter, data-driven decisions.
Analyst Views on PYPL
Wall Street analysts forecast PYPL stock price to rise
29 Analyst Rating
6 Buy
19 Hold
4 Sell
Hold
Current: 39.080
Low
51.00
Averages
72.86
High
100.00
Current: 39.080
Low
51.00
Averages
72.86
High
100.00
About PYPL
PayPal Holdings, Inc. offers a technology platform. The Company’s products are designed to enable digital payments and simplify commerce experiences for consumers and merchants to make selling, shopping, and sending and receiving money simple, personalized, and secure, online or offline, including mobile. It provides consumers with a digital wallet that enables them to send payments to merchants securely using a variety of funding sources, which include a bank account, a PayPal or Venmo account balance, its consumer credit products, a credit card, a debit card, certain cryptocurrencies, or other stored value products. It operates a global, two-sided network at scale that connects consumers and merchants with 434 million active accounts across approximately 200 markets. Its brands include PayPal, Braintree, Venmo, Xoom, Hyperwallet, PayPal Zettle, PayPal Honey, and Paidy. It offers financing products through the PayPal Working Capital (PPWC) and PayPal Business Loan (PPBL).
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
Investors Eye Opportunities in Undervalued Stocks
- Sprouts Farmers Market Undervalued: Sprouts Farmers Market stock has plummeted over 60% since its peak in 2024, now trading at less than 12 times the projected earnings of $5.74 per share, significantly below the analyst target of $108.73, indicating a market misunderstanding of its growth potential in the health food sector.
- Progressive Insurance Value: Progressive stock is currently priced at less than 13 times earnings, with a projected dividend yield of nearly 6.7%, and despite slowing revenue growth, the company continues to perform well in the insurance industry, highlighting its investment appeal.
- PayPal's Market Control: PayPal stock is valued at less than eight times expected earnings of $5.34 per share, and despite fierce competition in the digital payment space, it still commands about 40% of the market, demonstrating its strong position in the industry.
- Potential of New CEO: PayPal is set to welcome new CEO Enrique Lores, who is expected to bring fresh ideas and perspectives, potentially revitalizing the company and helping it maintain its competitive edge in a crowded market.
See More
Black Creek Investment Management Acquires Eagle Materials Shares
- New Investment Position: Black Creek Investment Management established a new position in Eagle Materials by acquiring 502,120 shares in Q4 2025, with an estimated trade value of $103.78 million, indicating confidence in the construction materials sector amid a potential infrastructure spending rebound.
- Asset Allocation Significance: This new position accounts for 5.1% of Black Creek's reportable assets in its 13F filing, ranking among its top five holdings, which underscores the firm's strategic focus on this stock.
- Strong Financial Performance: Eagle Materials reported $556 million in quarterly revenue and $3.22 in diluted EPS for its latest fiscal quarter, with cement volumes rising 9% year-over-year, demonstrating resilience despite softness in the residential market.
- Share Buyback Strategy: The company repurchased approximately 648,000 shares for $142.6 million in the quarter, reinforcing consistent capital allocation and reflecting management's confidence in future growth prospects.
See More
Analysis of Investment Opportunities in High-Growth Stocks
- SoFi Business Expansion: SoFi has expanded from offering only student loans to a comprehensive suite of financial services, increasing its member base from 2.5 million at the end of 2021 to 13.7 million by the end of 2025, indicating strong appeal among younger demographics, with projected revenue CAGR of 24% in the coming years.
- Impact of Galileo Acquisition: The acquisition of payment processor Galileo in 2020, which operates independently and manages nearly 160 million accounts, has enhanced SoFi's competitive edge and service offerings, with analysts forecasting a 40% CAGR for adjusted EBITDA from 2025 to 2027.
- Adyen's Flexible Payment Solutions: Adyen integrates its backend payment software into merchants' existing platforms, allowing acceptance of over 250 payment methods, with expected revenue and adjusted EBITDA CAGRs of 21% and 24% respectively from 2025 to 2027, showcasing its robust growth potential.
- Valuation Appeal: With an enterprise value of €20.2 billion (approximately $24 billion), Adyen trades at 13 times this year's adjusted EBITDA, presenting an attractive valuation for investors seeking undervalued high-growth opportunities in the fintech sector.
See More
Bryan Johnson Launches $1 Million Health Program
- Exclusive Health Program: Bryan Johnson has launched a health program called 'Immortals' with an annual fee of $1 million, aimed at reversing biological age through rigorous biomarker tracking and AI guidance, targeting the ultra-wealthy market.
- Strict Admission Criteria: The program is limited to three participants, requiring applicants to pass an interview, hire a dedicated assistant, and commit significant time to adhere to a strict health regimen, highlighting its premium positioning and market scarcity.
- Tiered Pricing Strategy: In addition to the $1 million top-tier program, Johnson plans to introduce a $60,000 'supported' tier and a free digital version in the future, aiming to reduce costs as the system scales, thus promoting broader accessibility.
- Long-term Vision: Johnson emphasizes that while the current program targets affluent individuals, his ultimate goal is to achieve universal access to high-standard healthcare, reflecting his commitment to health equity and strategic positioning for future market opportunities.
See More
Three Resilient Stocks to Consider
- Qualcomm's Market Performance: Qualcomm (QCOM) has seen a 23% decline in its stock price since early January; however, despite challenges from memory chip shortages, demand for its high-performance processors remains strong, and as memory manufacturers recover, Qualcomm is expected to increase shipments, improving market performance.
- Remitly's Growth Potential: Remitly Global (RELY) successfully facilitated $19.5 billion in transfers in Q3 last year, a 35% year-over-year increase, generating $419.5 million in revenue with EBITDA of $61.2 million, up 29%, and analysts expect this growth momentum to continue through 2028, showcasing its strong competitive position in the international payments market.
- The Trade Desk's Value Recovery: The Trade Desk (TTD) has been impacted by the overall market downturn, but its revenue is projected to grow by 16% in 2023, with a current P/E ratio of only 12 times, indicating investment value, as the market has yet to recognize its necessity.
- Market Environment Challenges: While the overall market faces uncertainty, stocks like Qualcomm, Remitly, and The Trade Desk demonstrate strong resilience, suggesting that investors may consider these potential stocks for long-term gains amid market volatility.
See More
PayPal Faces Investigation After Leadership Change and Earnings Miss
- Leadership Change: On February 3, 2026, PayPal announced a surprise CEO replacement, with the Board stating that the “pace of change and execution was not in line with expectations,” raising significant market concerns.
- Earnings Miss: During the release of its Q4 and full-year 2025 earnings report, PayPal failed to meet consensus estimates for both revenue and profit, further exacerbating investor anxiety regarding the company's performance.
- Stock Price Plunge: Following this news, PayPal's stock price fell as much as 20% during intraday trading on February 3, 2026, closing at $41.03 per share the next day, reflecting a pessimistic outlook from the market on the company's future.
- Legal Investigation Initiated: Kessler Topaz Meltzer & Check, LLP is investigating potential violations of federal securities laws on behalf of investors, indicating heightened scrutiny over PayPal's governance and financial transparency.
See More
Investors Eye Opportunities in Undervalued Stocks
- Sprouts Farmers Market Undervalued: Sprouts Farmers Market stock has plummeted over 60% since its peak in 2024, now trading at less than 12 times the projected earnings of $5.74 per share, significantly below the analyst target of $108.73, indicating a market misunderstanding of its growth potential in the health food sector.
- Progressive Insurance Value: Progressive stock is currently priced at less than 13 times earnings, with a projected dividend yield of nearly 6.7%, and despite slowing revenue growth, the company continues to perform well in the insurance industry, highlighting its investment appeal.
- PayPal's Market Control: PayPal stock is valued at less than eight times expected earnings of $5.34 per share, and despite fierce competition in the digital payment space, it still commands about 40% of the market, demonstrating its strong position in the industry.
- Potential of New CEO: PayPal is set to welcome new CEO Enrique Lores, who is expected to bring fresh ideas and perspectives, potentially revitalizing the company and helping it maintain its competitive edge in a crowded market.
See More
Black Creek Investment Management Acquires Eagle Materials Shares
- New Investment Position: Black Creek Investment Management established a new position in Eagle Materials by acquiring 502,120 shares in Q4 2025, with an estimated trade value of $103.78 million, indicating confidence in the construction materials sector amid a potential infrastructure spending rebound.
- Asset Allocation Significance: This new position accounts for 5.1% of Black Creek's reportable assets in its 13F filing, ranking among its top five holdings, which underscores the firm's strategic focus on this stock.
- Strong Financial Performance: Eagle Materials reported $556 million in quarterly revenue and $3.22 in diluted EPS for its latest fiscal quarter, with cement volumes rising 9% year-over-year, demonstrating resilience despite softness in the residential market.
- Share Buyback Strategy: The company repurchased approximately 648,000 shares for $142.6 million in the quarter, reinforcing consistent capital allocation and reflecting management's confidence in future growth prospects.
See More
Analysis of Investment Opportunities in High-Growth Stocks
- SoFi Business Expansion: SoFi has expanded from offering only student loans to a comprehensive suite of financial services, increasing its member base from 2.5 million at the end of 2021 to 13.7 million by the end of 2025, indicating strong appeal among younger demographics, with projected revenue CAGR of 24% in the coming years.
- Impact of Galileo Acquisition: The acquisition of payment processor Galileo in 2020, which operates independently and manages nearly 160 million accounts, has enhanced SoFi's competitive edge and service offerings, with analysts forecasting a 40% CAGR for adjusted EBITDA from 2025 to 2027.
- Adyen's Flexible Payment Solutions: Adyen integrates its backend payment software into merchants' existing platforms, allowing acceptance of over 250 payment methods, with expected revenue and adjusted EBITDA CAGRs of 21% and 24% respectively from 2025 to 2027, showcasing its robust growth potential.
- Valuation Appeal: With an enterprise value of €20.2 billion (approximately $24 billion), Adyen trades at 13 times this year's adjusted EBITDA, presenting an attractive valuation for investors seeking undervalued high-growth opportunities in the fintech sector.
See More
Bryan Johnson Launches $1 Million Health Program
- Exclusive Health Program: Bryan Johnson has launched a health program called 'Immortals' with an annual fee of $1 million, aimed at reversing biological age through rigorous biomarker tracking and AI guidance, targeting the ultra-wealthy market.
- Strict Admission Criteria: The program is limited to three participants, requiring applicants to pass an interview, hire a dedicated assistant, and commit significant time to adhere to a strict health regimen, highlighting its premium positioning and market scarcity.
- Tiered Pricing Strategy: In addition to the $1 million top-tier program, Johnson plans to introduce a $60,000 'supported' tier and a free digital version in the future, aiming to reduce costs as the system scales, thus promoting broader accessibility.
- Long-term Vision: Johnson emphasizes that while the current program targets affluent individuals, his ultimate goal is to achieve universal access to high-standard healthcare, reflecting his commitment to health equity and strategic positioning for future market opportunities.
See More
Three Resilient Stocks to Consider
- Qualcomm's Market Performance: Qualcomm (QCOM) has seen a 23% decline in its stock price since early January; however, despite challenges from memory chip shortages, demand for its high-performance processors remains strong, and as memory manufacturers recover, Qualcomm is expected to increase shipments, improving market performance.
- Remitly's Growth Potential: Remitly Global (RELY) successfully facilitated $19.5 billion in transfers in Q3 last year, a 35% year-over-year increase, generating $419.5 million in revenue with EBITDA of $61.2 million, up 29%, and analysts expect this growth momentum to continue through 2028, showcasing its strong competitive position in the international payments market.
- The Trade Desk's Value Recovery: The Trade Desk (TTD) has been impacted by the overall market downturn, but its revenue is projected to grow by 16% in 2023, with a current P/E ratio of only 12 times, indicating investment value, as the market has yet to recognize its necessity.
- Market Environment Challenges: While the overall market faces uncertainty, stocks like Qualcomm, Remitly, and The Trade Desk demonstrate strong resilience, suggesting that investors may consider these potential stocks for long-term gains amid market volatility.
See More
PayPal Faces Investigation After Leadership Change and Earnings Miss
- Leadership Change: On February 3, 2026, PayPal announced a surprise CEO replacement, with the Board stating that the “pace of change and execution was not in line with expectations,” raising significant market concerns.
- Earnings Miss: During the release of its Q4 and full-year 2025 earnings report, PayPal failed to meet consensus estimates for both revenue and profit, further exacerbating investor anxiety regarding the company's performance.
- Stock Price Plunge: Following this news, PayPal's stock price fell as much as 20% during intraday trading on February 3, 2026, closing at $41.03 per share the next day, reflecting a pessimistic outlook from the market on the company's future.
- Legal Investigation Initiated: Kessler Topaz Meltzer & Check, LLP is investigating potential violations of federal securities laws on behalf of investors, indicating heightened scrutiny over PayPal's governance and financial transparency.
See More
