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  3. OPFI
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OPFI

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Market Estimates

Earnings Estimates
Earnings Estimates
Revenue
YoY Chg
EPS
YoYChg
FY2025Q2
FY2025Q3
FY2025Q4
141.19M
+11.79%
0.295
+1.72%
147.70M
+8.13%
0.297
-9.85%
152.66M
+12.48%
0.255
+10.87%
Estimates Revision
The market is revising Upward the revenue expectations for OppFi Inc. (OPFI) for FY2025, with the revenue forecasts being adjusted by 0.66% over the past three months. During the same period, the stock price has changed by 3.96%.
Revenue Estimates for FY2025
Revise Upward
up Image
+0.66%
In Past 3 Month
EPS Estimates for FY2025
Revise Upward
up Image
+9.62%
In Past 3 Month
Stock Price
Go Up
up Image
+3.96%
In Past 3 Month
3 Analyst Rating
up Image0
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
up Image0
Current: 10.250
sliders
Low
13.50
Averages
14.67
High
16.00
up Image0
Current: 10.250
sliders
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 8.78, compared to its 5-year average forward P/E of -13.89. For a more detailed relative valuation and DCF analysis to assess OppFi Inc 's fair value, click here.
    Forward PE
    Forward EV/EBITDA
    Forward PS

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.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
N/A
5Y Average PE
-13.89
Current PE
8.78
Overvalued PE
121.72
Undervalued PE
-149.49

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.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
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.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
N/A
5Y Average PS
0.20
Current PS
1.52
Overvalued PS
0.48
Undervalued PS
-0.08

Financials

Annual
Quarterly
N/A
Total Revenue
N/A
Operating Profit
N/A
Net Income after Tax
N/A
EPS - Diluted
N/A
Free Cash Flow
N/A
FCF Margin - %
N/A
Net Margin - %
N/A
ROIC

Trading Trends

    Insider
    Hedge Fund
    Congress Trading
Insider
Insiders are Neutral. There are no significant trading trends over the last month.
Sold
Bought
Hedge Fund
Hedge Funds are Neutral. There are no significant trading trends over the last quarter.
Sold
Bought
Congress Trading
Congress are Neutral. There are no significant trading trends over the last month.
Sold
Bought
Insider
Insiders are Neutral. There are no significant trading trends over the last month.
Sold
Bought

OPFI News & Events

Events Timeline

(ET)
2025-05-07
07:40:12
OppFi raises FY25 adjusted EPS view to $1.18-$1.26 from $1.06-$1.07
select
2025-05-07
07:38:52
OppFi reports Q1 adjusted EPS 38c, consensus 25c
select
2025-03-25 (ET)
2025-03-25
08:15:02
OppFi declares 25c per share special dividend payable April on 8
select
Sign Up For More Events
Sign Up For More Events

News

Preview
1.0
08-04PRnewswire
OppFi to present at the Oppenheimer 28th Annual Technology, Internet & Communications Conference

  • Company Presentation Announcement: OppFi Inc. will have CFO Pam Johnson present at the Oppenheimer 28th Annual Technology, Internet & Communications Virtual Conference on August 12, 2025, at 3:45 p.m. ET, with a video webcast available for viewing afterward.

  • About OppFi: OppFi is a digital finance platform that partners with banks to provide financial products to underserved Americans, emphasizing financial inclusion and customer experience, and holds a significant equity interest in Bitty Holdings, LLC.

Preview
3.0
07-15Newsfilter
OppFi Announces its Second Quarter 2025 Earnings Conference Call

  • Upcoming Financial Results: OppFi Inc. will report its second quarter 2025 financial results on August 6, 2025, followed by a conference call to discuss the results and business outlook.

  • Company Overview: OppFi is a tech-enabled digital finance platform that provides financial products for everyday Americans, maintaining a strong customer rating and holding an equity interest in Bitty Holdings, LLC for small business financing solutions.

Preview
9.5
07-10NASDAQ.COM
OppFi's Paradox: Net Profit Strains Despite Operational Strength

  • Operational Performance: OppFi's gross margin increased to 85.7% and EBITDA margin to 57.5% in Q1 2025, driven by AI-powered underwriting models and disciplined expense management, despite a decline in net profit margin to -2.8% due to minority interest expenses.

  • Market Position and Valuation: OppFi's shares surged 294.5% over the past year, outperforming competitors, with a forward price-to-earnings ratio of 10.36, significantly lower than the industry average, and projected earnings growth of 29.5% for 2025.

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People Also Watch

FAQ

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What is OppFi Inc (OPFI) stock price today?

The current price of OPFI is 10.25 USD — it has decreased -1.44 % in the last trading day.

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What is OppFi Inc (OPFI)'s business?

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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What is the price predicton of OPFI Stock?

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.

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

OppFi Inc revenue for the last quarter amounts to 138.64M USD, increased 10.68 % YoY.

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

OppFi Inc. EPS for the last quarter amounts to -0.48 USD, decreased -900.00 % YoY.

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

The market is revising Upward the revenue expectations for OppFi Inc. (OPFI) for FY2025, with the revenue forecasts being adjusted by 0.66% over the past three months. During the same period, the stock price has changed by 3.96%.
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How many employees does OppFi Inc (OPFI). have?

OppFi Inc (OPFI) has 445 emplpoyees as of August 05 2025.

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What is OppFi Inc (OPFI) market cap?

Today OPFI has the market capitalization of 889.78M USD.

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