OPFI

OppFi Inc

5.91

Oct 09 • 2:41 PM ET -0.18 (-2.91%)

Financial Credit Services USA Small NYSE

Peers: WRLD ENVA OPRT OMF RM CACC NAVI QFIN FINV LX

| Held by: VTI IWM VXF DFAS IWO AVUV SFLO VTWO FDM BSVO

Index	RUT
Market Cap	503.83M
Enterprise Value	705.57M
Income	101.72M
Sales	611.39M
Book/sh	4.86
Cash/sh	1.08
Dividend Est.	-
Dividend TTM	-
Dividend Ex-Date	Apr 08, 2025
Dividend Gr. 3/5Y	- -
Payout	0.00%
Employees	410
IPO	Nov 20, 2020

P/E	3.48
Forward P/E	3.08
PEG	0.20
P/S	0.82
P/B	1.22
P/C	5.49
P/FCF	1.30
EV/EBITDA	2.74
EV/Sales	1.15
Quick Ratio	10.00
Current Ratio	10.00
Debt/Eq	0.71
LT Debt/Eq	0.71
Option/Short	Yes / Yes

EPS (ttm)	1.70
EPS next Y	1.92
EPS next Q	0.34
EPS this Y	-11.48%
EPS next Y	36.59%
EPS next 5Y	15.11%
EPS past 3/5Y	170.12% 10.28%
Sales past 3/5Y	9.65% 24.42%
EPS Y/Y TTM	356.96%
Sales Y/Y TTM	10.16%
EPS Q/Q	122.96%
Sales Q/Q	1.91%
Earnings	Aug 10 AMC
EPS/Sales Surpr.	-25.84% -6.88%

Insider Own	35.17%
Insider Trans	-0.03%
Inst Own	26.52%
Inst Trans	0.30%
ROA	14.09%
ROE	47.58%
ROIC	14.40%
Gross Margin	96.13%
Oper. Margin	39.30%
Profit Margin	16.64%
SMA20	-7.40%
SMA50	-17.78%
SMA200	-31.15%
Trades

Shs Outstand	85.30M
Shs Float	55.24M
Short Float	6.33%
Short Ratio	4.12
Short Interest	3.49M
52W High	11.69 -49.42%
52W Low	5.91 0.05%
Volatility	3.12% 3.57%
ATR (14)	0.24
RSI (14)	31.03
Beta	1.93
Rel Volume	0.38
Avg Volume	848.99K
Volume	262,426

Perf Week	-0.96%
Perf Month	-22.10%
Perf Quarter	-35.80%
Perf Half Y	-27.89%
Perf YTD	-43.47%
Perf Year	-41.22%
Perf 3Y	151.43%
Perf 5Y	-14.15%
Perf 10Y	-
Recom	1.67
Target Price	12.19
Prev Close	6.09
Price	5.91
Change %	-2.91%

Date	Action	Analyst	Rating Change	Price Target Change
Jun-12-25	Initiated	Stephens	Equal-Weight	$14.50
May-08-25	Upgrade	Citizens JMP	Mkt Perform → Mkt Outperform	$13.50
Feb-12-25	Downgrade	JMP Securities	Mkt Outperform → Mkt Perform
Aug-17-21	Initiated	Needham	Buy	$10

Oct-02-26 12:20PM	Warren, Van Hollen pressure OppFi to ditch bank deal (Banking Dive)
Sep-17-26 04:30PM	BNCCORP Stockholders Approve Merger with OppFi, Inc. (PR Newswire) -7.24%
Aug-25-26 04:05PM	OppFi to Participate in September 2026 Conferences (PR Newswire)
Aug-11-26 04:14PM	Stonegate Capital Partners Updates Coverage on OppFi, Inc. (OPFI) 2Q26 (Newsfile) -24.86%
08:30AM	OppFi Inc. Q2 2026 Earnings Call Summary (Moby)
01:01AM	Loading…
01:01AM	OppFi Inc (OPFI) (Q2 2026) Earnings Call Highlights: Record Revenue Amid Strategic Shifts and ... (GuruFocus.com)
Aug-10-26 04:05PM	OppFi Reports Second Quarter 2026 Results, Record Second Quarter Revenue (PR Newswire) -6.70%
Aug-07-26 09:19AM	Earnings To Watch: OppFi Inc (OPFI) Q2 2026 -- GF Value Sees 74% Downside (GuruFocus.com)
Aug-04-26 04:03PM	OppFi to Participate in August 2026 Conferences (PR Newswire)
Jul-28-26 04:00PM	OppFi Announces its Second Quarter 2026 Earnings Conference Call (PR Newswire)
Jul-17-26 08:13AM	State AGs blow whistle on OppFi, Enova deals (Banking Dive)
May-27-26 11:00AM	California judge rules in favor of OppFi, against regulator (Banking Dive)
09:20AM	LendingClub CEO expects skinned knees amid fintech charter rush (Banking Dive)
May-08-26 10:25AM	Stonegate Capital Partners Updates Coverage on OppFi, Inc. (OPFI) 1Q26 (Newsfile) -5.66%
May-07-26 07:00AM	OppFi Reports First Quarter 2026 Results, Record Quarterly Revenue (PR Newswire)
09:32AM	Loading…
May-06-26 09:32AM	What To Expect From OppFi Inc (OPFI) Q1 2026 Earnings (GuruFocus.com)
Apr-30-26 07:43AM	OppFi seals $130m deal to buy Arizona-based BNCCORP (Retail Banker International)
Apr-29-26 08:14AM	Fintech OppFi to buy Arizona bank for $130M (Banking Dive)
07:00AM	OppFi Announces Definitive Agreement to Acquire BNCCORP, Inc. and BNC National Bank and the Elimination of Up-C Structure (PR Newswire)
07:00AM	BNCCORP To Be Acquired By OppFi in Transformative Customer-Focused Transaction (PR Newswire)
Apr-23-26 09:00AM	OppFi Celebrates Financial Capability Month with Release of 2025 Social Impact Report and Expansion of Customer Empowerment Initiatives (PR Newswire)
Apr-09-26 04:30PM	OppFi Announces its First Quarter 2026 Earnings Conference Call (PR Newswire)
Mar-31-26 08:06PM	After Plunging 17.7% in 4 Weeks, Here's Why the Trend Might Reverse for OppFi (OPFI) (Quartz)
Mar-12-26 09:10AM	Stonegate Capital Partners Updates Coverage on OppFi, Inc. (OPFI) 4Q25 (Newsfile)
Mar-11-26 03:01PM	OppFi Inc (OPFI) Q4 2025 Earnings Call Highlights: Strong Revenue Growth and Strategic ... (GuruFocus.com) -5.87%
12:43PM	OppFi Inc. Q4 2025 Earnings Call Summary (Moby)
07:00AM	OppFi Reports Record Annual Revenue, Net Income, and Adjusted Net Income (PR Newswire)
Mar-10-26 09:26AM	Earnings To Watch: OppFi Inc (OPFI) Reports Q4 2025 Result (GuruFocus.com)
Mar-09-26 04:17PM	Oracle, Ulta, Adobe, More Stocks With Earnings This Week (Benzinga)
Mar-05-26 11:45AM	OppFi Stock Q4 Earnings Preview: Buy Now or Wait for Results? (Zacks)
06:30PM	Loading…
Mar-04-26 06:30PM	PagSeguro Digital Ltd. (PAGS) Tops Q4 Earnings Estimates (Zacks)
Feb-26-26 12:15PM	Shift4 Payments (FOUR) Q4 Earnings Surpass Estimates (Zacks)
08:00AM	OppFi Announces its Fourth Quarter 2025 Earnings Conference Call (PR Newswire)
Jan-28-26 11:47AM	SoFi vs. OppFi: Which Fintech Stock Looks More Compelling Right Now? (Zacks)
Jan-16-26 11:14AM	Is LOLA Migration Paving Path to OppFi's Long-term Success? (Zacks)
Jan-13-26 10:43AM	OPFI Hits 79% Auto-Approval Rate: Can Its Efficiency Rise Further? (Zacks)
Jan-07-26 12:26PM	Is OPFI's Underwriting Engine the Key Profitability Catalyst? (Zacks)
Jan-05-26 12:52PM	OPFI Stock Jumps 36% in a Year: Should You Hold or Fold Now? (Zacks)
Dec-31-25 10:47AM	OppFi Trades Cheaper Than Its Peers: Is This a Potential Value Play? (Zacks)
Dec-29-25 11:36AM	Here's Why Investors Should Retain Fidelity National Stock for Now (Zacks)
Dec-24-25 12:40PM	Dave vs. OppFi: Which Fintech Stock Is the Smarter Bet Right Now? (Zacks)
09:40AM	Is OppFi (OPFI) Stock Outpacing Its Business Services Peers This Year? (Zacks)
Dec-22-25 06:12AM	New Strong Buy Stocks for December 22nd (Zacks) +5.96%
02:37AM	Best Value Stocks to Buy for Dec.22 (Zacks)
Dec-19-25 11:07AM	3 Undervalued Stocks Investors Should Grab Right Before 2026 (Zacks)
Dec-17-25 12:11PM	Western Union Ties Up With Deutsche Post to Broaden Germany Reach (Zacks)
12:05PM	Visa Brings USDC Settlement to the U.S. and Advances Onchain Payments (Zacks)
08:49AM	The Zacks Analyst Blog Capital One Financial, SoFi and OppFi (Zacks)
Dec-16-25 12:09PM	3 Payment Stocks to Buy as Their Bull Run Extends Into 2026 (Zacks)
Dec-11-25 08:29AM	5 Mid-Cap Financial Technology Stocks to Buy on Recent Fed Rate Cut (Zacks)
Dec-09-25 07:07AM	Best Value Stocks to Buy for December 9th (Zacks)
05:26AM	FIGS, MDB, and More Are Now Strong Buy Stocks (Dec. 9) (Zacks)
Dec-04-25 12:05PM	OppFi Rallies 33% YTD: Should You Still Purchase the Stock? (Zacks)
09:40AM	Are Business Services Stocks Lagging DAVE INC (DAVE) This Year? (Zacks)
Dec-02-25 10:45AM	Is OppFi's Operational Efficiency Essential for Profitability? (Zacks)
Nov-28-25 09:55AM	Does OppFi (OPFI) Have the Potential to Rally 48.57% as Wall Street Analysts Expect? (Zacks)
Nov-26-25 10:54AM	Nu vs. OppFi: Which Fintech Lender Offers Better Upside Now? (Zacks)
Nov-21-25 11:34AM	Can OppFi Manage Its Customers' Credit Quality as Originations Rise? (Zacks)
Nov-19-25 02:43AM	Zacks.com featured highlights include El Pollo Loco, OppFi, Edison, ScanSource and Zions Bancorporation (Zacks)
Nov-18-25 09:40AM	Is DAVE INC (DAVE) Stock Outpacing Its Business Services Peers This Year? (Zacks)
08:57AM	Tap These 5 Bargain Stocks With Enticing EV-to-EBITDA Ratios (Zacks)
Nov-17-25 12:45PM	Here is Why Growth Investors Should Buy OppFi (OPFI) Now (Zacks) -5.19%
09:51AM	OppFi's Adjusted EPS Guidance for 2025 Raised Again: Can it Deliver? (Zacks)
Nov-14-25 08:22AM	FIS Expands Fintech Presence With New Tools on Microsoft Marketplace (Zacks)
Nov-10-25 10:56AM	OppFi Jumps 46% in a Year: Should You Buy the Stock Right Now? (Zacks)
09:55AM	Wall Street Analysts Predict a 45.88% Upside in OppFi (OPFI): Here's What You Should Know (Zacks)
Nov-06-25 04:30PM	OppFi to present at Stephens Investment Conference (PR Newswire) +5.19%
03:25PM	3 Top Ranked Stocks that are the Best of the Best (Zacks)
Oct-30-25 09:00PM	OppFi Inc (OPFI) Q3 2025 Earnings Call Highlights: Record Revenue and Profitability Amid ... (GuruFocus.com) -7.23%
12:45PM	Looking for a Growth Stock? 3 Reasons Why OppFi (OPFI) is a Solid Choice (Zacks)
10:11AM	Stonegate Capital Partners Updates 3Q25 Report on OppFi, Inc. (OPFI) (Newsfile)
09:55AM	OppFi (OPFI) May Find a Bottom Soon, Here's Why You Should Buy the Stock Now (Zacks)
09:40AM	Has Huron Consulting Group (HURN) Outpaced Other Business Services Stocks This Year? (Zacks)
09:06AM	Best Value Stock to Buy for Oct. 30th (Zacks)
Oct-29-25 08:25AM	OppFi Inc. (OPFI) Q3 Earnings and Revenues Beat Estimates (Zacks)
07:00AM	OppFi Reports Record Quarterly Revenue, Net Income, and Adjusted Net Income and Increases Full Year Guidance (PR Newswire)
Oct-28-25 10:06AM	Oppfi Inc. (OPFI) Secures $150M Credit Facility to Fuel Growth and Expand Credit Access (Insider Monkey)
09:59AM	OppFi Inc (OPFI) Q3 2025: Everything You Need To Know Ahead Of Earnings (GuruFocus.com)
Oct-27-25 02:06PM	OPFI vs. SOFI: Which Fintech Credit Stock Is the Better Buy Right Now? (Zacks)
02:00PM	How Should You Play OppFi Stock Ahead of Q3 Earnings Release? (Zacks)
Oct-08-25 11:34AM	OppFi Soars 104% in a Year: Should You Buy, Sell or Hold the Stock? (Zacks)
Oct-07-25 07:00AM	OppFi Announces its Third Quarter 2025 Earnings Conference Call (PR Newswire)
Oct-03-25 09:21AM	OppFi's NCO Rate Falling: Is Risk Mitigation Strategy Paying Off? (Zacks)
Oct-02-25 07:00AM	OppFi Announces New $150 Million Revolving Credit Facility (PR Newswire)
Sep-24-25 11:24AM	FIS Revamps Private Capital Suite to Transform Private Equity Operations (Zacks)
Sep-23-25 12:37PM	OPFI vs. FUTU: Which Fintech Stock Is the Smarter Buy Right Now? (Zacks)
Sep-22-25 04:40PM	Top Stock Picks for Week of September 22, 2025 (Zacks)
Sep-17-25 12:31PM	Here's Why Global Payments Shares Are Attracting Investors Now (Zacks)
Sep-16-25 08:22AM	OppFi and UnitedHealth have been highlighted as Zacks Bull and Bear of the Day (Zacks)
06:00AM	Bull of the Day: OppFi (OPFI) (Zacks)
Sep-11-25 12:34PM	Mastercard Launches AI-Powered Tools to Shape the Future of Commerce (Zacks)
11:48AM	OppFi Soars 139% in a Year: Should You Buy the Stock Now or Wait? (Zacks)
11:33AM	Can On-Demand's Popularity Continue to Help SEZL Pay Dividends? (Zacks)
Sep-04-25 12:07PM	OPFI Lifts EPS Guidance for 2025: Can It Meet the Expectation? (Zacks)
03:54AM	Zacks Investment Ideas feature highlights: Cars.com, OppFi and Quad Graphics (Zacks)
Sep-03-25 05:53PM	3 Cheap Highly Ranked Stocks to Buy for a Rebound: CARS, OPFI, QUAD (Zacks)
09:55AM	How Much Upside is Left in OppFi (OPFI)? Wall Street Analysts Think 36.05% (Zacks)
Aug-31-25 04:12PM	Here's What Wall Street Thinks About OppFi (OPFI) (Insider Monkey)
Aug-28-25 12:45PM	3 Reasons Why Growth Investors Shouldn't Overlook OppFi (OPFI) (Zacks)
12:43PM	Western Union Expands Reach With WhatsApp to Boost Dollar Exchanges (Zacks)

OppFi, Inc. is a tech-enabled, mission-driven specialty finance platform, which engages in the provision of community banks to extend credit access to everyday Americans. It supports consumers, who are turned away by mainstream options, to build better financial health, through transparency, responsible lending, financial inclusion, and an excellent customer experience. The company was founded by Todd G. Schwartz and Theodore Schwartz in 2012 and is headquartered in Chicago, IL.

FounderMr. Todd G. Schwartz

Co-Founder & DirectorMr. Theodore G. Schwartz

CFO & Chief Accounting OfficerMs. Pamela D. Johnson CPA

Chief Risk & Analytics OfficerMr. Christopher McKay

Chief Operating OfficerMr. Manuel Chagas

Insider Trading	Relationship	Date	Transaction	Cost	#Shares	Value ($)	#Shares Total	SEC Form 4
Schwartz Todd G.	Chief Executive Officer	Sep 11 '26	Buy	7.96	3,300	26,281	639,958	Sep 15 04:25 PM
Schwartz Todd G.	Chief Executive Officer	Sep 14 '26	Buy	7.80	1,940	15,125	641,898	Sep 15 04:25 PM
Johnson Pamela D.	CFO	Sep 11 '26	Sale	8.02	8,650	69,365	151,039	Sep 15 04:25 PM
Schwartz Todd G.	Chief Executive Officer	Sep 10 '26	Buy	7.56	3,350	25,314	636,658	Sep 11 05:01 PM
Johnson Pamela D.	Officer	Sep 11 '26	Proposed Sale	8.02	8,650	69,365		Sep 11 02:05 PM
Schwartz Todd G.	Chief Executive Officer	Sep 09 '26	Buy	7.59	3,450	26,190	633,308	Sep 10 04:09 PM
Schwartz Todd G.	Chief Executive Officer	Sep 08 '26	Buy	7.41	3,475	25,737	629,858	Sep 09 04:27 PM
Schwartz Todd G.	Chief Executive Officer	Sep 04 '26	Buy	7.35	3,500	25,741	626,383	Sep 08 04:09 PM
Schwartz Todd G.	Chief Executive Officer	Sep 03 '26	Buy	7.33	3,450	25,305	622,883	Sep 04 04:01 PM
Schwartz Todd G.	Chief Executive Officer	Sep 02 '26	Buy	7.15	3,550	25,377	619,433	Sep 03 06:31 PM
Schwartz Todd G.	Chief Executive Officer	Sep 01 '26	Buy	6.91	3,550	24,542	615,883	Sep 02 06:25 PM
Schwartz Todd G.	Chief Executive Officer	Aug 31 '26	Buy	6.93	3,550	24,611	612,333	Sep 01 04:16 PM
Schwartz Todd G.	Chief Executive Officer	Aug 28 '26	Buy	7.15	3,500	25,018	608,783	Aug 31 04:07 PM
Schwartz Todd G.	Chief Executive Officer	Aug 27 '26	Buy	7.13	3,550	25,312	605,283	Aug 28 04:12 PM
McKay Christopher J.	Chief Risk & Analytics Officer	Aug 26 '26	Sale	7.18	77,850	558,800	1,431,479	Aug 28 04:11 PM
Schwartz Todd G.	Chief Executive Officer	Aug 26 '26	Buy	7.19	3,500	25,163	601,733	Aug 27 04:04 PM
McKay Christopher J.	Officer	Aug 26 '26	Proposed Sale	7.18	77,850	558,798		Aug 26 04:43 PM
Schwartz Todd G.	Chief Executive Officer	Aug 25 '26	Buy	7.25	3,475	25,205	598,233	Aug 26 04:03 PM
Schwartz Todd G.	Chief Executive Officer	Aug 24 '26	Buy	7.15	3,475	24,831	594,758	Aug 25 05:45 PM
Schwartz Todd G.	Chief Executive Officer	Aug 21 '26	Buy	7.07	3,550	25,104	591,283	Aug 24 04:13 PM
Schwartz Todd G.	Chief Executive Officer	Aug 20 '26	Buy	7.13	3,450	24,597	587,733	Aug 21 04:18 PM
Vennettilli David	Director	Aug 19 '26	Sale	7.16	28,485	203,967	154,434	Aug 21 04:17 PM
Schwartz Todd G.	Chief Executive Officer	Aug 19 '26	Buy	7.16	3,500	25,053	584,283	Aug 20 04:14 PM
Schwartz Todd G.	Chief Executive Officer	Aug 18 '26	Buy	7.04	3,550	24,990	580,783	Aug 19 04:06 PM
Vennettilli David	Director	Aug 19 '26	Proposed Sale	7.16	28,485	203,966		Aug 19 03:59 PM
Schwartz Todd G.	Chief Executive Officer	Aug 17 '26	Buy	7.00	3,500	24,510	577,233	Aug 18 04:15 PM
Schwartz Todd G.	Chief Executive Officer	Aug 14 '26	Buy	7.20	20,000	144,012	573,733	Aug 14 07:37 PM
Schwartz Todd G.	Chief Executive Officer	Aug 13 '26	Buy	7.13	60,000	427,680	553,733	Aug 13 09:09 PM
Schwartz Todd G.	Chief Executive Officer	Aug 12 '26	Buy	7.05	60,000	422,988	493,733	Aug 12 08:34 PM
Moore Jocelyn	Director	Jun 15 '26	Sale	8.32	39,076	324,936	16,843	Jun 17 04:09 PM
McKay Christopher J.	Chief Risk & Analytics Officer	Jun 12 '26	Sale	8.35	23,683	197,815	1,513,063	Jun 16 04:07 PM
Moore Jocelyn	Director	Jun 15 '26	Proposed Sale	8.45	39,076	330,192		Jun 15 02:15 PM
McKay Christopher J.	Officer	Jun 12 '26	Proposed Sale	8.35	23,683	197,815		Jun 12 04:02 PM
Favilla Christina M	Director	Jun 08 '26	Sale	8.14	30,000	244,176	156,737	Jun 10 04:15 PM
Favilla Christina M	Director	Jun 08 '26	Proposed Sale	8.14	30,000	244,177		Jun 08 03:19 PM
Vennettilli David	Director	May 04 '26	Sale	10.00	10,000	100,000	132,389	May 06 04:16 PM
Vennettilli David	Director	May 04 '26	Proposed Sale	10.00	10,000	100,000		May 04 03:03 PM
Vennettilli David	Director	Apr 28 '26	Option Exercise	0.00	284,501	0	284,501	Apr 30 04:25 PM
Schwartz Todd G.	Chief Executive Officer	Apr 28 '26	Option Exercise	0.00	26,605,392	0	24,656,083	Apr 30 04:25 PM
SCHWARTZ THEODORE G	Director	Apr 28 '26	Option Exercise	0.00	21,887,359	0	18,887,359	Apr 30 04:24 PM
Moore Jocelyn	Director	Mar 12 '26	Sale	8.53	8,190	69,861	39,076	Mar 16 04:05 PM
Moore Jocelyn	Director	Mar 12 '26	Proposed Sale	8.53	8,190	69,861		Mar 12 10:14 AM
Johnson Pamela D.	CFO	Jan 05 '26	Sale	10.24	5,084	52,060	143,484	Jan 06 04:23 PM
Johnson Pamela D.	Officer	Jan 05 '26	Proposed Sale	10.24	5,084	52,060		Jan 05 11:47 AM
Moore Jocelyn	Director	Dec 11 '25	Sale	10.91	4,464	48,721	47,266	Dec 15 04:18 PM
Moore Jocelyn	Director	Dec 11 '25	Proposed Sale	10.91	4,464	48,721		Dec 11 01:55 PM
Moore Jocelyn	Director	Nov 21 '25	Sale	9.23	20,200	186,385	51,730	Nov 25 04:07 PM
Moore Jocelyn	Director	Nov 21 '25	Proposed Sale	9.23	20,200	186,386		Nov 21 01:20 PM
Johnson Pamela D.	CFO	Nov 03 '25	Sale	10.00	1,129	11,290	153,392	Nov 05 04:16 PM
McKay Christopher J.	Chief Risk & Analytics Officer	Nov 03 '25	Sale	9.85	1,107	10,904	171,022	Nov 05 04:15 PM
McKay Christopher J.	Officer	Nov 03 '25	Proposed Sale	9.85	1,107	10,904		Nov 03 12:44 PM
Johnson Pamela D.	Officer	Nov 03 '25	Proposed Sale	10.00	1,129	11,290		Nov 03 11:12 AM

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OPFI

OppFi Inc

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