Record Revenue: OppFi Inc. reported a record quarterly revenue of $142.4 million for FQ2 2025, exceeding expectations by $1.25 million.
Earnings Per Share: The company achieved an EPS of $0.45, surpassing the consensus estimate by $0.16.
Analyst Ratings and Price Targets
Bullish Outlook: Analysts are optimistic about OppFi, with a 12-month price target of $14, indicating a potential upside of 37.8% from current levels.
Buy Rating: Michael Grondahl from Northland Securities maintained a Buy rating with a price target of $16.
Updated Financial Guidance
Revenue Forecast: Management has raised its full-year revenue guidance for FY25 to a range of $578 million to $605 million, up from the previous estimate of $563 million to $594 million.
EPS Guidance: The EPS guidance has also been revised to $1.39 to $1.44, an increase from the earlier range of $1.18 to $1.26.
Company Profile
Business Model: OppFi Inc. operates as a tech-driven specialty finance platform, assisting banks in offering credit products and enhancing customer experience.
Investment Considerations
Comparative Analysis: While OppFi shows potential as an investment, there are suggestions that certain AI stocks may offer better upside potential with lower downside risk.
OPFI
$10.96+Infinity%1D
Analyst Views on OPFI
Wall Street analysts forecast OPFI stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for OPFI is 15.00 USD with a low forecast of 14.00 USD and a high forecast of 16.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
2 Analyst Rating
Wall Street analysts forecast OPFI stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for OPFI is 15.00 USD with a low forecast of 14.00 USD and a high forecast of 16.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
2 Buy
0 Hold
0 Sell
Moderate Buy
Current: 10.670
Low
14.00
Averages
15.00
High
16.00
Current: 10.670
Low
14.00
Averages
15.00
High
16.00
Stephens
Equal Weight
initiated
$14.50
2025-06-11
Reason
Stephens
Price Target
$14.50
2025-06-11
initiated
Equal Weight
Reason
Stephens initiated coverage of OppFi with an Equal Weight rating and $14.50 price target. Looking at the FinTech space, the analyst weighs the limited operating histories and performance along with recent capital inflows when evaluating the eight stocks on which the firm initiated coverage. For OppFi in particular, the analyst weighs the growth potential, historical credit performance, competitive positioning along with a core group of online non-prime lenders and a broader base of alternative consumer finance companies.
Northland
Outperform
upgrade
$13 -> $16
2025-06-04
Reason
Northland
Price Target
$13 -> $16
2025-06-04
upgrade
Outperform
Reason
Northland raised the firm's price target on OppFi to $16 from $13 and keeps an Outperform rating on the shares. With 2025 adjusted EPS guidance raised, reflecting continued momentum across the business, the firm is now establishing its 2026 estimates, the analyst tells investors.
Citizens JMP
Market Perform -> Outperform
upgrade
$13.50
2025-05-08
Reason
Citizens JMP
Price Target
$13.50
2025-05-08
upgrade
Market Perform -> Outperform
Reason
About OPFI
OppFi Inc. is a tech-enabled, mission-driven specialty finance platform. It provides customer experience in the industry and enables banks to offer credit products. Its primary product is offered by its OppLoans platform. The OppFi platform is a mobile-optimized online application where eligible applicants, at their request, are able to opt into the OppFi TurnUp Program. This program helps these applicants find more affordable credit options by checking the market voluntarily on their behalf for a sub-36% annual percentage rate, products offered by third-party lenders through other platforms. It collects and calculates more than 500 attributes on loan applications for use in underwriting decisions. These attributes are based on data from credit bureaus, bank transactions and loan applications. Using this information, OppFi generates a score in combination with scores generated by third-party providers. It offers a same-day funding service in collaboration with its partner banks.
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.
