Wall Street's Perspective on OppFi (OPFI)
OppFi Inc. Performance Overview
- 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.
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Analyst Views on OPFI
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Visa Introduces USDC Settlement in the U.S. and Promotes Onchain Payments
Visa's USDC Settlement Initiative: Visa Inc. is modernizing payment systems by allowing U.S. institutions to settle obligations using USDC, a stablecoin, alongside traditional methods, enhancing speed and liquidity in transactions.
Collaboration with Circle and Blockchain Development: Visa is partnering with Circle to develop Arc, a high-performance Layer 1 blockchain, aimed at supporting Visa's commercial activities and USDC settlements, further integrating blockchain technology into its operations.
Strategic Positioning in Financial Services: This initiative positions Visa as a bridge between traditional finance and blockchain infrastructure, with plans for broader U.S. access by 2026 and the establishment of a Stablecoins Advisory Practice to assist financial institutions.
Stock Performance and Market Outlook: Visa's shares have increased by 8.7% over the past year, contrasting with a decline in the industry, while other financial service stocks like OppFi, FirstCash, and Dave have shown strong earnings growth and upward revisions in estimates.

Zacks Analyst Insights: Capital One Financial, SoFi, and OppFi
Stock Highlights: Zacks.com features stocks like Capital One Financial Corp. (COF), SoFi Technologies, Inc. (SOFI), and OppFi Inc. (OPFI) in their Analyst Blog, emphasizing their potential for growth in the evolving payments industry.
Growth in Payments Industry: The global payments sector is expected to thrive in 2026, driven by the shift to digital payments, increased consumer spending, and supportive monetary policies, including recent interest rate cuts by the U.S. central bank.
Company Performance: Capital One is projected to see growth in net interest income due to rising consumer loan demand, while OppFi is focusing on AI to enhance efficiency, and SoFi is expanding its digital ecosystem, all contributing to positive earnings forecasts.
Investment Opportunities: The article suggests that continued innovation and technological advancements in the payments space will benefit these companies, with Zacks ranking Capital One and OppFi as #1 (Strong Buy) and SoFi as #2 (Buy).






