OPFI

$8.52+0.23 (+2.77%)

Market OpenAs of Mar 17, 5:05 PM UTC

OppFi Inc., a tech-enabled digital finance platform, provides financial products and services for banks in the United States.

Historical Price

Price (Line)
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Peer Comparison

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Whystock Valuation Model

Calculated using a trailing P/E relative model adjusted by sector ROE and historical growth.
Current Price$8.52
Potential Upside
234.3%
Whystock Fair Value$28.48
Price
UndervaluedFair ValueOvervalued

Fundamentals

SectorFinancial Services
IndustryCredit Services

OppFi Inc., a tech-enabled digital finance platform, provides financial products and services for banks in the United States. The company offers installment loans through OppLoans platform. It serves consumers who are turned away by mainstream option...

Market Cap
Total dollar market value of a company's outstanding shares of stock (Price * Shares).
$743.85M
P/E Ratio
Value territory. Trading at a high yield relative to earnings.
8.61
Beta
High-beta play. Expect amplified moves vs. the broad market.
1.76
Div Yield
Low to zero yield. Return is entirely dependent on price appreciation.
0.00%
ROIC
Elite ROE. Management converts capital into profit efficiently.
53.86%
Quick Ratio
Pristine liquidity. Sufficient cash to cover all near-term obligations.
5.32

Recent News

GuruFocus.com
Mar 11, 2026

OppFi Inc (OPFI) Q4 2025 Earnings Call Highlights: Strong Revenue Growth and Strategic ...

OppFi Inc (OPFI) reports a 17% revenue increase in Q4 2025, with significant gains in net income and strategic advancements in predictive modeling.

BULLISH
Positive press. Headlines skewed toward growth and analyst upgrades.
MarketBeat
Mar 11, 2026

OppFi Q4 Earnings Call Highlights

OppFi (NYSE:OPFI) executives highlighted what they described as a record year of performance on the company’s fourth-quarter and fiscal year 2025 earnings call, pointing to continued benefits from its underwriting model updates, expense discipline, and plans for new technology and product initiative

BULLISH
Positive press. Headlines skewed toward growth and analyst upgrades.
Moby
Mar 11, 2026

OppFi Inc. Q4 2025 Earnings Call Summary

Moby summary of OppFi Inc.'s Q4 2025 earnings call

NEUTRAL
Neutral flow. Standard news cycle with no clear sentiment tilt.
Motley Fool
Mar 11, 2026

OppFi (OPFI) Q4 2025 Earnings Call Transcript

Despite higher delinquencies on our summer vintages, OppFi Inc. maintained strong unit economics and adjusted in real time to support continued growth into the fourth quarter. The auto-approval rate in the fourth quarter was 79%, which allowed more customers to be approved without human interaction and helped increase originations 48% year over year. In conjunction with our lending partners, we plan to release Model 6.1 in 2026, which we anticipate will boost originations and reduce risk.

BULLISH
Positive press. Headlines skewed toward growth and analyst upgrades.
Zacks
Mar 11, 2026

OppFi Inc. (OPFI) Beats Q4 Earnings Estimates

OppFi (OPFI) delivered earnings and revenue surprises of +7.14% and -0.31%, respectively, for the quarter ended December 2025. Do the numbers hold clues to what lies ahead for the stock?

BULLISH
Positive press. Headlines skewed toward growth and analyst upgrades.