OppFi Stock Q4 Earnings Preview: Buy Now or Wait for Results?

OppFi Inc. OPFI will report fourth-quarter 2025 results on March 11, before market open.

The Zacks Consensus Estimate for revenues in the to-be-reported quarter is set at $159.8 million, hinting at 17.7% growth from the year-ago quarter’s actual. The consensus mark for earnings per share is pegged at 28 cents per share, indicating a 21.7% jump from the year-ago reported figure.

There has been no change in analyst estimates or revisions lately.

The company has a remarkable earnings surprise history. It beat the Zacks Consensus Estimate in the trailing four quarters, delivering an average earnings surprise of 52.2%.

OPFI’s Chances of Q4 Earnings Beat Low

Our proven model does not conclusively predict an earnings beat for OppFithis time around. The combination of a positive Earnings ESP and a Zacks Rank #1 (Strong Buy), 2 (Buy) or 3 (Hold) increases the odds of an earnings beat. But that is not the case here. You can uncover the best stocks before they are reported with our Earnings ESP Filter.

OPFI has an Earnings ESP of 0.00% and a Zacks Rank of 3 at present. You can see the complete list of today’s Zacks #1 Rank stocks here.

OPFI’s Customer-First Strategy: Driving Success in Q4

We are bullish on OPFI’s ability to channel its customer-centric strategy to boost its top line with AI and machine learning-backed models supporting this quest. In the third quarter of 2025, the company reported a 79.1% auto-approval rate, a jump from the year-ago quarter’s 76.8%. This upward trend in automation shows how tech advancements translate into operational efficacy. It provides OPFI to capture a larger chunk of the market pie while being consistent with borrower experience.

OPFI’s Stock Lags Peers, Valuation Appealing

OppFi shares have dipped 5.2% in a year compared with the industry’s18.6% fall. It has underperformed its industry peers, Sezzle SEZL and Green Dot’s GDOT 99.3% and 60.1% upsurges, respectively, over the same period.

1-Year Share Price Performance

The OPFI stock is looking cheap and is currently trading at a trailing 12-month price-to-earnings ratio of 5.39, lower than the industry's 18.54. The stock in question is trading cheaper than Sezzle and Green Dot. Sezzle and Green Dot are trading at trailing12-month price-to-earnings ratios of 15.34 and 7.82, respectively.

P/E F12M

OppFi’s Investment Considerations

OPFI targets the subprime or non-prime customers, demanding extensive risk management that the company has managed to do effortlessly over the past few quarters. In the third quarter of 2025, OPFI reported an 80-basis-point dip in net charge-offs as a percentage of revenues, creating a positive jaws effect where revenues sped up more than credit losses, leading to margin expansion.

The company achieved this efficiency on the back of its credit risk mitigating engine, Model 6.1 refit, risk-based pricing and dynamic seasonal modelling to lower exposure during economic volatility. Banking on its technological prowess, OppFi hiked its revenues and earnings outlook for 2026 during the third quarter of 2025.

OPFI holds a solid balance that strengthens its liquidity position. OppFi’s current ratio stands at 1.76, higher than the year-ago quarter’s 1.53. Also, it beats the industry average of 1.14.  OppFi holds no long-term debt, lowering the risks of insolvency. This positions the company to seek debt for investment.

While the company has put a strong credit risk management mechanism in place, credit risk persists, given the demographic it serves. It can serve as a major red flag for investors despite the growth trajectory it has maintained in the past few quarters.

Final Thoughts: Hold OPFI for Now

OppFi’s success is tied to its customer-first strategy that involves leveraging Model 6.1 refit to mitigate credit risks. The company holds a strong balance sheet that reveals a robust liquidity and solvency position, aiding it in seeking debt financing for investments. However, the risks of credit default persist, waving a red flag for investors. A lower chance of an earnings beat is an added concern.

We can conclude by saying that investors should refrain from buying OPFI hurriedly, which is facing quite a few challenges, ahead of its earnings release on March 11. Instead, investors should monitor the developments of the stock closely to find an appropriate entry point, as a hasty decision may affect portfolio gains. OppFi’s current Zacks Rank supports our thesis.

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This article originally published on Zacks Investment Research (zacks.com).

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