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  3. OPFI
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OPFI

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    Overview
    Forecast
    Valuation
    Earnings
High
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VWAP
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Vol
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Mkt Cap
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Low
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Amount
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EV/EBITDA(TTM)
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EV/OCF(TTM)
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Financial AI Agent
Financial AI Agent

Market Estimates

Earnings Estimates
Earnings Estimates
Revenue
YoY Chg
EPS
YoYChg
FY2025Q4
FY2026Q1
FY2026Q2
160.13M
+17.98%
0.285
+23.91%
157.98M
+12.63%
0.405
+6.58%
160.71M
+12.82%
0.450
0%
Estimates Revision
The market is revising Upward the revenue expectations for OppFi Inc. (OPFI) for FY2025, with the revenue forecasts being adjusted by 1% over the past three months. During the same period, the stock price has changed by -1.63%.
Revenue Estimates for FY2025
Revise Upward
up Image
+1%
In Past 3 Month
EPS Estimates for FY2025
Revise Upward
up Image
+10.54%
In Past 3 Month
Stock Price
Go Down
down Image
-1.63%
In Past 3 Month
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: 10.290
sliders
Low
14.00
Averages
15.00
High
16.00
Current: 10.290
sliders
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
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
See All Ratings

Valuation Metrics

The current forward P/E ratio for OppFi Inc (OPFI.N) is 6.37, compared to its 5-year average forward P/E of -12.56. 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
-12.56
Current PE
6.37
Overvalued PE
118.89
Undervalued PE
-144.02

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
0.00
Overvalued PS
0.42
Undervalued PS
-0.02
AI Stock Picker
AI Stock Picker

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
Intellectia AI SwingMax
Intellectia AI SwingMax

OPFI News & Events

Events Timeline

(ET)
2025-10-29
07:12:10
OppFi increases FY25 adjusted EPS forecast to $1.54-$1.60, up from $1.39-$1.44
select
2025-10-29
07:09:55
OppFi Announces Q3 Earnings Per Share of 46 Cents, Exceeding Consensus Estimate of 32 Cents
select
2025-08-26 (ET)
2025-08-26
07:01:42
OppFi Board Raises Share Buyback Authorization by $20 Million
select
Sign Up For More Events
Sign Up For More Events

News

[object Object]
Preview
2.0
02:00 AMNASDAQ.COM
OppFi Surges 33% Year-to-Date: Is It Still a Good Time to Buy the Stock?

  • Stock Performance: OppFi Inc. (OPFI) has seen a 32.5% increase in shares year-to-date, outperforming its industry and notable competitors like Cantaloupe and Fidelity National Information Services.

  • Operational Efficiency: The company's AI and machine learning-based Model 6 improved auto approval rates and significantly reduced expenses, leading to a 136.9% increase in net income year-over-year.

  • Positive Guidance: OppFi has consistently raised its guidance for adjusted net income and earnings per share for 2025, reflecting strong investor confidence in its profitability.

  • Valuation Appeal: OPFI is currently undervalued compared to its industry, with lower forward earnings and EV-to-EBITDA ratios, making it an attractive option for value-based investors.

[object Object]
Preview
3.0
11-19NASDAQ.COM
Zacks.com Spotlights El Pollo Loco, OppFi, Edison, ScanSource, and Zions Bancorporation

  • Bargain Stocks Highlighted: The article discusses five stocks with attractive EV-to-EBITDA ratios, including El Pollo Loco Holdings, OppFi Inc., Edison International, ScanSource, Inc., and Zions Bancorporation, which are considered undervalued based on this metric.

  • EV-to-EBITDA vs. P/E Ratio: EV-to-EBITDA is presented as a superior valuation metric compared to the traditional price-to-earnings (P/E) ratio, as it accounts for a company's total value and is less susceptible to manipulation, making it useful for evaluating firms with negative net earnings.

  • Growth Projections: Each highlighted stock has promising earnings growth projections for 2025, with OppFi Inc. expected to grow by 65.3%, followed by Edison International at 23.7%, and Zions Bancorporation at 19%.

  • Investment Tools and Resources: The article promotes Zacks Investment Research's tools, such as the Research Wizard, which helps investors screen stocks and develop investment strategies, emphasizing the importance of combining multiple valuation metrics for better decision-making.

[object Object]
Preview
3.0
11-10NASDAQ.COM
OppFi Sees 46% Increase Over the Year: Is Now the Time to Invest in the Stock?

  • Stock Performance: OppFi Inc. (OPFI) shares have surged 45.5% over the past year, significantly outperforming its industry and competitors, which have seen declines of 11.1% and 25.9% to 29.9%, respectively.

  • Profitability and Efficiency: The company has improved its operational efficiency through AI and machine learning, resulting in a 136.9% increase in net income year-over-year and a notable reduction in expenses as a percentage of total revenues.

  • Risk Management: Despite an increase in net charge-offs, OPFI plans to implement a new risk assessment model (Model 6.1) to better identify riskier borrowers, aiming to enhance credit risk management by early 2026.

  • Positive Outlook: Management has consistently raised its earnings guidance for 2025, reflecting strong investor confidence, and OPFI is currently undervalued compared to industry averages, making it a recommended buy for long-term capital gains.

Sign Up For More News

People Also Watch

FAQ

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What is OppFi Inc (OPFI) stock price today?

The current price of OPFI is 10.29 USD — it has increased 1.38 % 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 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.

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

OppFi Inc revenue for the last quarter amounts to 153.38M USD, increased 13.72 % 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 0.47 USD, increased 123.81 % 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 1% over the past three months. During the same period, the stock price has changed by -1.63%.
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How many employees does OppFi Inc (OPFI). have?

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

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What is OppFi Inc (OPFI) market cap?

Today OPFI has the market capitalization of 888.67M USD.

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