OppFi Inc. (OPFI) Stock Analysis

Why this analysis is different

• A sector-relative MoonshotScore — five pillars (business quality, financial safety, valuation, growth durability, momentum) re-ranked nightly against the full universe of US-listed common stocks.
• An AI Council read across up to eight perspectives — value, macro, quantitative, and momentum lenses — that shows where they disagree instead of averaging the tension away.
• Figures come straight from FMP and Yahoo Finance filings data. The AI writes the narrative around the numbers — it never edits the numbers.

OppFi Inc. (OPFI) Technology Profile & Competitive Position

OppFi Inc. operates a fintech platform facilitating bank lending products like installment loans and credit cards, targeting underserved consumers. With a focus on technology-driven financial solutions, OppFi leverages its platform to connect banks with a broader customer base, operating in the application software sector.

What Is the Investment Thesis for OPFI?

OppFi Inc. presents a compelling investment case centered on its fintech platform that facilitates bank lending products. With a P/E ratio of 4.1 and a profit margin of 10.9%, OppFi demonstrates profitability and efficient operations. The company's high gross margin of 98.1% indicates strong pricing power and efficient cost management. Growth catalysts include expanding its product offerings and increasing its partnerships with banks. However, potential risks include regulatory scrutiny and competition from other fintech companies. The company's beta of 1.80 suggests higher volatility compared to the market. Investors may want to evaluate OppFi's growth potential in the context of its risk profile and competitive landscape.

Based on FMP financials and quantitative analysis

OPFI Key Highlights

Market capitalization of $613M, reflecting investor valuation of the company's growth potential.

• P/E ratio of 4.1, indicating a potentially undervalued stock relative to its earnings.
• Profit margin of 10.9%, showcasing the company's ability to generate profit from its revenue.
• Gross margin of 98.1%, highlighting efficient cost management and strong pricing power.
• Beta of 1.80, suggesting higher volatility compared to the market, which may appeal to risk-tolerant investors.

Who Are OPFI's Competitors?

OPFI is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.

AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance

What Are OPFI's Key Strengths?

Technology platform enabling efficient lending.

• Partnerships with banks for product distribution.
• Focus on underserved consumer segments.
• Established brand in the alternative lending market.

What Are OPFI's Weaknesses?

Reliance on bank partnerships.

• Exposure to regulatory risks.
• Competition from other fintech companies.
• Higher beta indicating greater volatility.

What Could Drive OPFI Stock Higher?

Expansion of bank partnerships to increase product distribution.

• Introduction of new financial products and services tailored to target market.
• Leveraging data analytics to improve lending decisions and customer experience.

What Are the Key Risks for OPFI?

Insider selling — insiders were net sellers of roughly $1.0M recently.

• Increased regulatory scrutiny impacting lending practices.
• Changes in consumer credit demand affecting loan performance.
• Competition from other fintech companies in the alternative lending market.
• Economic downturn leading to higher default rates.

What Are the Growth Opportunities for OPFI?

• Expanding Product Offerings: OppFi can drive growth by introducing new financial products and services tailored to the needs of its target market. This includes exploring opportunities in areas such as secured loans, financial education, and credit monitoring. The market for these services is estimated to be worth billions of dollars, and OppFi's existing platform provides a strong foundation for expansion. Timeline: 1-3 years.
• Increasing Bank Partnerships: OppFi's growth is closely tied to its ability to forge new partnerships with banks. By expanding its network of partner banks, OppFi can increase its reach and offer its lending products to a wider audience. The market for bank partnerships is competitive, but OppFi's proven track record and technological capabilities give it a competitive advantage. Timeline: Ongoing.
• Leveraging Data Analytics: OppFi can leverage its data analytics capabilities to improve its lending decisions, reduce risk, and enhance the customer experience. By analyzing customer data, OppFi can identify patterns and trends that inform its underwriting process and enable it to offer more personalized products and services. The market for data analytics in financial services is growing rapidly, and OppFi is well-positioned to capitalize on this trend. Timeline: Ongoing.
• Geographic Expansion: OppFi can expand its operations into new geographic markets, both domestically and internationally. By targeting regions with underserved populations and limited access to traditional financial services, OppFi can tap into new sources of growth. The market for alternative lending solutions is global, and OppFi's scalable platform makes it well-suited for international expansion. Timeline: 3-5 years.
• Strategic Acquisitions: OppFi can pursue strategic acquisitions to accelerate its growth and expand its capabilities. By acquiring complementary businesses, OppFi can gain access to new technologies, markets, and customer segments. The market for fintech acquisitions is active, and OppFi has the financial resources to pursue attractive opportunities. Timeline: 2-4 years.

What Are OPFI's Competitive Advantages?

• Proprietary technology platform.
• Established partnerships with banks.
• Expertise in underwriting and risk management.
• Brand recognition in the alternative lending market.

What Does OPFI Do?

OppFi Inc., based in Chicago, Illinois, operates a financial technology platform designed to enable banks to offer lending products to a wider range of consumers. The company's core business revolves around providing the technological infrastructure that facilitates access to credit for individuals who may not qualify for traditional bank loans. OppFi's platform supports several key products, including OppLoan, an installment loan product; SalaryTap, a payroll deduction secured installment loan product; and OppFi Card, a credit card product. These offerings are designed to provide accessible and responsible credit solutions to consumers. Founded with the mission of expanding financial inclusion, OppFi has evolved into a significant player in the fintech landscape. The company focuses on leveraging technology to streamline the lending process, reduce costs, and improve the customer experience. By partnering with banks, OppFi enables these institutions to reach new customer segments and offer innovative lending products. This collaborative approach allows OppFi to operate within a regulated framework while still delivering the speed and convenience that consumers expect from a modern fintech company. OppFi's commitment to responsible lending practices and its focus on technological innovation have positioned it as a key enabler of financial access for underserved populations.

What Products and Services Does OPFI Offer?

• Operates a financial technology platform.
• Enables banks to offer lending products to consumers.
• Facilitates installment loans through OppLoan.
• Offers payroll deduction secured installment loans through SalaryTap.
• Provides a credit card product called OppFi Card.
• Connects banks with a broader customer base.

How Does OPFI Make Money?

• Partners with banks to offer lending products.
• Generates revenue through fees and interest on loans.
• Utilizes a technology platform to streamline the lending process.

What Industry Does OPFI Operate In?

OppFi Inc. operates within the rapidly evolving fintech industry, which is characterized by increasing adoption of digital technologies in financial services. The market for alternative lending solutions is growing as traditional banks face challenges in serving certain segments of the population. OppFi's platform addresses this gap by enabling banks to offer lending products to underserved consumers. The competitive landscape includes other fintech companies and traditional financial institutions. OppFi's success depends on its ability to innovate, maintain regulatory compliance, and effectively partner with banks.

Who Are OPFI's Key Customers?

• Consumers who may not qualify for traditional bank loans.
• Banks seeking to expand their lending product offerings.
• Individuals looking for accessible and responsible credit solutions.

Company Profile

OppFi Inc. operates in the Financial - Credit Services industry within the Financial Services sector. It is headquartered in Chicago, US. The company is led by CEO Todd G. Schwartz. OPFI has traded publicly since 2020.

Return on equity for OppFi Inc. stands at 134.3%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 9.2%, showing how much profit it generates from its asset base. OPFI trades at a trailing price-to-earnings ratio of 4.07, below the Technology sector average of ~34x. Its free cash flow yield is 45.9%, a gauge of the cash the business throws off relative to its market value. A current ratio of 1.14 indicates the company holds enough short-term assets to cover its near-term obligations. Its earnings yield is 24.6%, the inverse of the P/E and a quick read on earnings relative to price.

OPFI Valuation & Market Position

With a $613M market cap, OppFi Inc. sits in the small-cap segment of the market. Relative to its peer group, OPFI's quantitative score of 72/100 is above the peer average of 61/100.

Quarterly Financial Performance: OppFi Inc.

Revenue for OppFi Inc. came in at $78.0M during Q2 2026, a 48.6% contraction versus the preceding quarter. The company recorded net income of $14.8M, with diluted EPS of $0.18. Revenue has contracted over three consecutive quarters, which investors in this small-cap Technology stock should monitor closely. Across the four most recent quarters, OPFI averaged $0.55 in diluted EPS.

OppFi Inc.'s Piotroski F-Score is 7/9, a 9-point checklist of profitability, leverage and efficiency — signaling solid underlying fundamentals. Its Altman Z-Score of 2.35 places it in the grey zone, a middle ground that warrants monitoring.

OppFi Inc. has beaten Wall Street's EPS estimate in 7 of its last 8 reported quarters — a consistent record of delivering on expectations. Reported results have landed about 31.7% above estimates on average.

Wall Street analysts project OppFi Inc. revenue of about $657.3M for fiscal 2026, with EPS near $1.79. The estimate reflects 3 contributing analysts.

Over the past six months, OppFi Inc. insiders filed 30 SEC Form 4 transactions — 19 sales and 11 purchases. On net that is roughly 12.4M shares disposed (about $1.0M), a signal worth weighing alongside the fundamentals.

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Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.

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