
OPFI
OppFi Inc
- Overview
- Forecast
- Valuation
- Earnings

Line
|

Candle
1D
5D
1M
3M
6M
YTD
1Y
5Y
High
11.000
Open
11.000
VWAP
10.86
Vol
303.59K
Mkt Cap
951.64M
Low
10.700
Amount
3.30M
EV/EBITDA(TTM)
3.65
Total Shares
19.89M
EV
1.42B
EV/OCF(TTM)
4.03
P/S(TTM)
0.46
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.
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Market Estimates
Earnings Estimates
Revenue
YoY Chg
EPS
YoYChg
FY2026Q1
FY2025Q4
FY2025Q3
154.94M
+10.46%
0.370
-2.63%
155.83M
+14.81%
0.273
+18.48%
153.42M
+12.32%
0.320
-3.03%
Estimates Revision
The market is revising Upward the revenue expectations for OppFi Inc. (OPFI) for FY2025, with the revenue forecasts being adjusted by 2.24% over the past three months. During the same period, the stock price has changed by -11.68%.
Revenue Estimates for FY2025
Revise Upward

+2.24%
In Past 3 Month
EPS Estimates for FY2025
Revise Upward

+0.41%
In Past 3 Month
Stock Price
Go Down

-11.68%
In Past 3 Month
3 Analyst Rating

36.59% Upside
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 14.67 USD with a low forecast of 13.50 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
1 Hold
0 Sell
Moderate Buy

36.59% Upside
Current: 10.740

Low
13.50
Averages
14.67
High
16.00

36.59% Upside
Current: 10.740

Low
13.50
Averages
14.67
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
Citizens JMP upgraded OppFi to Outperform from Market Perform with a $13.50 price target. The firm is "incrementally encouraged" by the company's improving and stable credit profile, reacceleration of volume growth within a "still-tightened credit box," expanding operating leverage ,improving funding and liquidity profile, and "relatively benign" competitive environment for the company's core triple-digit personal loan product. OppFi management remains confident in near-term growth, while maintaining prudent underwriting standards, the analyst tells investors in a research note.
Northland Capital Markets
Mike Grondahl
Buy
Maintains
$8 → $10
2024-12-13
Reason
Northland Capital Markets
Mike Grondahl
Price Target
$8 → $10
2024-12-13
Maintains
Buy
Reason
Northland Capital Markets
Mike Grondahl
Buy
Maintains
$6 → $8
2024-11-08
Reason
Northland Capital Markets
Mike Grondahl
Price Target
$6 → $8
2024-11-08
Maintains
Buy
Reason
See All Ratings
Valuation Metrics
The current forward P/E ratio for OppFi Inc (OPFI.N) is 8.00, compared to its 5-year average forward P/E of -13.78. For a more detailed relative valuation and DCF analysis to assess OppFi Inc 's fair value, click here.
Forward PE
The forward P/E ratio is a valuation metric that divides a company's current stock price by its estimated future earnings per share over the next 12 months.

N/A
5Y Average PE
-13.78
Current PE
8.00
Overvalued PE
121.49
Undervalued PE
-149.05
Forward EV/EBITDA
The forward EV/EBITDA ratio is a valuation metric that divides a company's enterprise value (EV) by its estimated future earnings before interest, taxes, depreciation, and amortization (EBITDA) over the next 12 months.

N/A
5Y Average EV/EBITDA
0.00
Current EV/EBITDA
0.00
Overvalued EV/EBITDA
0.00
Undervalued EV/EBITDA
0.00
Forward PS
The forward P/S ratio is a valuation metric that divides a company's current stock price by its estimated future sales (or revenue) per share over the next 12 months.

N/A
5Y Average PS
0.20
Current PS
0.49
Overvalued PS
0.49
Undervalued PS
-0.09
Financials
Annual
Quarterly
FY2025Q2
YoY :
+13.07%
140.92M
Total Revenue
FY2025Q2
YoY :
+20.15%
96.64M
Operating Profit
FY2025Q2
YoY :
-58.52%
11.48M
Net Income after Tax
FY2025Q2
YoY :
-587.50%
-0.78
EPS - Diluted
FY2025Q2
YoY :
+21.77%
90.98M
Free Cash Flow
FY2025Q2
YoY :
+3.54%
60.91
FCF Margin - %
FY2025Q2
YoY :
-63.30%
8.15
Net Margin - %
FY2025Q2
YoY :
-88.97%
1.10
ROIC
Trading Trends
Insider
Insiders are Neutral. There are no significant trading trends over the last month.
Sold
0-3
Months
11.3M
USD
13
3-6
Months
22.6M
USD
34
6-9
Months
171.3K
USD
1
0-12
Months
799.9K
USD
2
Bought
0-3
0
0.0
USD
Months
3-6
0
0.0
USD
Months
6-9
0
0.0
USD
Months
0-12
0
0.0
USD
Months
Hedge Fund
Hedge Funds are Neutral. There are no significant trading trends over the last quarter.
Sold
0-3
Months
0.0
Volume
0
3-6
Months
0.0
Volume
0
6-9
Months
0.0
Volume
0
0-12
Months
0.0
Volume
0
Bought
0-3
0
0.0
Volume
Months
3-6
0
0.0
Volume
Months
6-9
0
0.0
Volume
Months
0-12
0
0.0
Volume
Months
Congress Trading
Congress are Neutral. There are no significant trading trends over the last month.
Sold
0-3
Months
0.0
USD
0
3-6
Months
0.0
USD
0
6-9
Months
0.0
USD
0
0-12
Months
0.0
USD
0
Bought
0-3
0
0.0
USD
Months
3-6
0
0.0
USD
Months
6-9
0
0.0
USD
Months
0-12
0
0.0
USD
Months
Insider
Insiders are Neutral. There are no significant trading trends over the last month.
Sold
0-3
Months
11.3M
USD
13
3-6
Months
22.6M
USD
34
6-9
Months
171.3K
USD
1
0-12
Months
799.9K
USD
2
Bought
0-3
0
0.0
USD
Months
3-6
0
0.0
USD
Months
6-9
0
0.0
USD
Months
0-12
0
0.0
USD
Months
OPFI News & Events
Events Timeline
2025-08-06 (ET)
2025-08-06
07:15:33
OppFi raises FY25 adjusted EPS view to $1.39-$1.44 from $1.18-$1.26

2025-08-06
07:13:41
OppFi reports Q2 adjusted EPS 45c, consensus 29c

2025-05-07 (ET)
2025-05-07
07:40:12
OppFi raises FY25 adjusted EPS view to $1.18-$1.26 from $1.06-$1.07

Sign Up For More Events
Sign Up For More Events
News
3.0
08-11NASDAQ.COMBest Value Stocks to Buy for August 11th
3.0
08-08Benzinga5 Stocks That Are Ready To Rebound
9.5
08-07NASDAQ.COMOppFi (OPFI) Q2 Revenue Jumps 13%
Sign Up For More News
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FAQ

What is OppFi Inc (OPFI) stock price today?
The current price of OPFI is 10.74 USD — it has decreased -1.47 % in the last trading day.

What is OppFi Inc (OPFI)'s business?

What is the price predicton of OPFI Stock?

What is OppFi Inc (OPFI)'s revenue for the last quarter?

What is OppFi Inc (OPFI)'s earnings per share (EPS) for the last quarter?

What changes have occurred in the market's expectations for OppFi Inc (OPFI)'s fundamentals?

How many employees does OppFi Inc (OPFI). have?
