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OPFI

OppFi Inc

9.44

Jul 10 • 04:00PM ET +0.18 (1.94%)

Financial Credit Services USA Small NYSE

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

| Held by: VTI IWM VXF IWO DFAS VTWO SFLO FDM DFMC IWC

Scroll to Statements

Index	RUT
Market Cap	1.36B
Enterprise Value	1.83B
Income	66.10M
Sales	608.66M
Book/sh	0.89
Cash/sh	0.69
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	12.80
Forward P/E	4.30
PEG	0.19
P/S	2.23
P/B	10.62
P/C	13.61
P/FCF	3.47
EV/EBITDA	7.29
EV/Sales	3.00
Quick Ratio	4.77
Current Ratio	4.77
Debt/Eq	3.98
LT Debt/Eq	3.23
Option/Short	Yes / Yes

EPS (ttm)	0.74
EPS next Y	2.19
EPS next Q	0.45
EPS this Y	12.58%
EPS next Y	22.63%
EPS next 5Y	22.32%
EPS past 3/5Y	170.12% 10.28%
Sales past 3/5Y	9.65% 24.42%
EPS Y/Y TTM	731.72%
Sales Y/Y TTM	12.95%
EPS Q/Q	215.75%
Sales Q/Q	8.28%
Earnings	May 07 BMO
EPS/Sales Surpr.	6.87% 0.49%

Insider Own	61.47%
Insider Trans	-0.13%
Inst Own	13.65%
Inst Trans	-3.66%
ROA	9.72%
ROE	134.62%
ROIC	20.64%
Gross Margin	96.15%
Oper. Margin	37.58%
Profit Margin	10.86%
SMA20	3.95%
SMA50	6.19%
SMA200	0.32%
Trades

Shs Outstand	144.08M
Shs Float	55.52M
Short Float	4.93%
Short Ratio	3.78
Short Interest	2.74M
52W High	13.88 -31.99%
52W Low	7.36 28.26%
Volatility	4.09% 4.37%
ATR (14)	0.39
RSI (14)	55.92
Beta	1.76
Rel Volume	0.51
Avg Volume	724.88K
Volume	372,744

Perf Week	-5.22%
Perf Month	11.85%
Perf Quarter	15.69%
Perf Half Y	-7.54%
Perf YTD	-9.75%
Perf Year	-29.29%
Perf 3Y	405.26%
Perf 5Y	-0.53%
Perf 10Y	-
Recom	1.67
Target Price	14.00
Prev Close	9.26
Price	9.44
Change	1.94%

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

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)
May-06-26 09:32AM	What To Expect From OppFi Inc (OPFI) Q1 2026 Earnings (GuruFocus.com)
07:43AM	Loading…
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	Loading…
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)
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	Loading…
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)
Aug-26-25 07:00AM	OppFi Announces Increase to Share Repurchase Program (PR Newswire) +7.62%
Aug-22-25 11:35AM	SEZL's GMV Soars: Is Customer Engagement Strategy Paying Off? (Zacks)
Aug-21-25 04:30PM	OppFi Publishes Supplemental Information Regarding its Warrants (PR Newswire)
Aug-13-25 10:32AM	Dave Stock Skyrockets 416% in a Year: Should You Play or Let Go? (Zacks)
Aug-12-25 12:45PM	Is OppFi (OPFI) a Solid Growth Stock? 3 Reasons to Think "Yes" (Zacks)
Aug-11-25 08:00AM	New Strong Buy Stocks for August 11th (Zacks)
06:18AM	Best Value Stocks to Buy for August 11th (Zacks)
Aug-08-25 12:00PM	What Makes OppFi (OPFI) a New Buy Stock (Zacks)
Aug-06-25 05:45PM	Stonegate Capital Partners Updates 2Q25 Report on OppFi, Inc. (OPFI) (Newsfile) +13.41% -8.65%
08:25AM	OppFi Inc. (OPFI) Beats Q2 Earnings and Revenue Estimates (Zacks)
07:00AM	OppFi Reports Record Quarterly Revenue and Adjusted Net Income and Increases Full Year Revenue and Adjusted Net Income Guidance (PR Newswire)

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
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
McKay Christopher J.	Chief Risk & Analytics Officer	Oct 01 '25	Option Exercise	0.00	3,852	0	187,755	Oct 03 05:34 PM
McKay Christopher J.	Chief Risk & Analytics Officer	Oct 02 '25	Sale	11.21	9,030	101,226	172,129	Oct 03 05:34 PM
Johnson Pamela D.	CFO	Oct 01 '25	Option Exercise	0.00	1,042	0	164,013	Oct 03 05:32 PM
Johnson Pamela D.	CFO	Oct 02 '25	Sale	11.21	5,497	61,621	154,521	Oct 03 05:32 PM
Johnson Pamela D.	Officer	Oct 02 '25	Proposed Sale	11.21	5,497	61,621		Oct 02 11:30 AM
McKay Christopher J.	Officer	Oct 02 '25	Proposed Sale	11.21	9,030	101,226		Oct 02 10:57 AM
SCHWARTZ THEODORE G	Director	Aug 13 '25	Option Exercise	0.00	44,716	0	29,809	Aug 15 04:31 PM
SCHWARTZ THEODORE G	Director	Aug 13 '25	Sale	10.78	44,716	482,253	0	Aug 15 04:31 PM
SCHWARTZ THEODORE G	Director	Aug 11 '25	Option Exercise	0.00	102,959	0	68,637	Aug 13 09:05 PM
SCHWARTZ THEODORE G	Director	Aug 12 '25	Option Exercise	0.00	102,325	0	68,213	Aug 13 09:05 PM
SCHWARTZ THEODORE G	Director	Aug 11 '25	Sale	11.08	102,959	1,140,930	0	Aug 13 09:05 PM
SCHWARTZ THEODORE G	Director	Aug 12 '25	Sale	10.80	102,325	1,104,762	0	Aug 13 09:05 PM
McKay Christopher J.	Chief Risk & Analytics Officer	Aug 04 '25	Sale	10.43	1,106	11,536	184,260	Aug 06 04:17 PM
Johnson Pamela D.	CFO	Aug 04 '25	Sale	10.43	1,130	11,786	163,440	Aug 06 04:17 PM
Johnson Pamela D.	Officer	Aug 04 '25	Proposed Sale	10.43	1,130	11,786		Aug 04 12:44 PM
McKay Christopher J.	Officer	Aug 04 '25	Proposed Sale	10.43	1,106	11,536		Aug 04 10:57 AM
SCHWARTZ THEODORE G	Director	Jul 11 '25	Option Exercise	0.00	121,812	0	81,208	Jul 15 05:00 PM
SCHWARTZ THEODORE G	Director	Jul 14 '25	Option Exercise	0.00	128,188	0	85,467	Jul 15 05:00 PM
SCHWARTZ THEODORE G	Director	Jul 11 '25	Sale	12.70	121,812	1,546,790	0	Jul 15 05:00 PM
SCHWARTZ THEODORE G	Director	Jul 14 '25	Sale	12.05	128,188	1,544,050	0	Jul 15 05:00 PM

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OPFI

OppFi Inc

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