/OPFI
OPFI Stock - OppFi Inc.
Technology|Software - ApplicationNYSE
$10.74+0.42%
+$0.04 (+0.42%) • Dec 19
68
GoAI Score
GoAI Score
Weighted average: Momentum (25%) + Sentiment (35%) + Risk (20%) + Value (20%). ≥70 = BUY, ≤35 = SELL.HOLD
Medium Confidence
Momentum
Momentum Score
Based on price vs 50-day MA (40%), 200-day MA (40%), and MA crossover (20%). Higher = stronger uptrend.62
Sentiment
Sentiment Score
Based on analyst price target upside. 50 = neutral, 100 = very bullish (25%+ upside expected).92
Risk Score
Risk Score
Based on stock beta (volatility). Higher score = lower risk. Red (<40) = high volatility, Green (>60) = stable.52
Price Target
Price Target
Average analyst price target from the last quarter. Shows expected upside/downside from current price.+21.0%upside
Target: $13.00
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ENTRY ZONE$10.63 – $10.85
TARGET (TP)$13.00
STOP LOSS$9.88
RISK/REWARD1:2.6
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Price Chart
Financial Statements
Revenue & Profitability Trend
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Revenue
Net Income (Profit)
Net Loss
Key Metrics
Market CapN/A
P/E RatioN/A
Beta1.71
52W High$17.73
52W Low$6.81
Avg VolumeN/A
Income Statement (Fiscal Year)
| Metric | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 |
|---|---|---|---|---|---|
| Revenue | $525.96M | $508.95M | $452.86M | $350.57M | $291.01M |
| Gross Profit | $420.78M | $401.52M | $357.72M | $261.40M | $246.82M |
| Gross Margin | 80.0% | 78.9% | 79.0% | 74.6% | 84.8% |
| Operating Income | $94.54M | $46.35M | $-6,342,000 | $57.26M | $77.52M |
| Net Income | $7.26M | $-1,005,000 | $7.10M | $25.55M | $77.52M |
| Net Margin | 1.4% | -0.2% | 1.6% | 7.3% | 26.6% |
| EPS | $0.36 | $-0.06 | $0.51 | $1.93 | $5.97 |
Company Overview
OppFi Inc. operates a financial technology platform that allows banks to offer lending products. Its platform facilitates the OppLoan, an installment loan product; SalaryTap, a payroll deduction secured installment loan product; and OppFi Card, a credit card product. The company is based in Chicago, Illinois.
Visit WebsiteRating Distribution
Strong Buy
0%
Buy / Outperform
1
50%
Hold / Neutral
1
50%
Sell / Underperform
0%
Analyst Consensus🟡 Mixed
1 Bullish1 Neutral/Bearish
Price Targets
$14
Average Target
↑ 30.4% Upside
Now
$14
Low
$14
Average
$15
High
Based on 2 analysts
Recent Analyst Actions
| Date | Firm | Action | Rating | Price Target |
|---|---|---|---|---|
| June 12th 2025 | Stephens | Initiation | Equal Weight | $14.5 |
| May 8th 2025 | Citizens JMP | Upgrade | Mkt Outperform | $13.5 |
| February 12th 2025 | JMP Securities | Downgrade | Market Perform | - |
Earnings History & Surprises
OPFIBeat Rate
88%
Last 16 quarters
Avg Surprise
+340.7%
EPS vs Estimate
Beats / Misses
14/1
1 met exactly
Latest EPS
$0.46
Q4 2025
EPS Surprise History
Q2 24
+100.0%
$0.10vs$0.05
Q3 24
+70.6%
$0.29vs$0.17
Q4 24
+57.1%
$0.33vs$0.21
Q1 25
+64.3%
$0.23vs$0.14
Q2 25
+46.2%
$0.38vs$0.26
Q3 25
+50.0%
$0.45vs$0.30
Q3 25
No data
Q4 25
+48.4%
$0.46vs$0.31
Beat Estimate
Missed Estimate
Quarterly EPS Details
| Period | Report Date | Estimated EPS | Actual EPS | Surprise | Result |
|---|---|---|---|---|---|
Q2 2026 | May 5, 2026 | — | — | — | — |
Q1 2026 | Mar 4, 2026 | $0.28 | — | — | — |
Q4 2025 | Oct 29, 2025 | $0.31 | $0.46 | +48.4% | ✓ BEAT |
Q3 2025 | Aug 7, 2025 | — | $-0.78 | — | — |
Q3 2025 | Aug 6, 2025 | $0.30 | $0.45 | +50.0% | ✓ BEAT |
Q2 2025 | May 7, 2025 | $0.26 | $0.38 | +46.2% | ✓ BEAT |
Q1 2025 | Mar 5, 2025 | $0.14 | $0.23 | +64.3% | ✓ BEAT |
Q4 2024 | Nov 7, 2024 | $0.21 | $0.33 | +57.1% | ✓ BEAT |
Q3 2024 | Aug 7, 2024 | $0.17 | $0.29 | +70.6% | ✓ BEAT |
Q2 2024 | May 8, 2024 | $0.05 | $0.10 | +100.0% | ✓ BEAT |
Q1 2024 | Mar 7, 2024 | $0.07 | $0.10 | +42.9% | ✓ BEAT |
Q4 2023 | Nov 9, 2023 | $0.07 | $0.16 | +128.6% | ✓ BEAT |
Q3 2023 | Aug 9, 2023 | $0.04 | $0.19 | +359.7% | ✓ BEAT |
Q2 2023 | May 11, 2023 | $0.01 | $0.05 | +655.3% | ✓ BEAT |
Q1 2023 | Mar 23, 2023 | $-0.06 | $-0.19 | -216.7% | ✗ MISS |
Q4 2022 | Nov 9, 2022 | $-0.08 | $0.01 | +112.5% | ✓ BEAT |
Q3 2022 | Aug 9, 2022 | $0.06 | $0.08 | +32.2% | ✓ BEAT |
Q2 2022 | May 5, 2022 | $0.00 | $0.01 | +3900.0% | ✓ BEAT |
Q1 2022 | Mar 10, 2022 | $0.13 | $0.13 | 0.0% | = MET |
Q4 2021 | Nov 12, 2021 | — | $0.00 | — | — |
Latest News
OppFi shares are trading higher after the company reported better-than-expected Q3 results and raised its FY2025 guidance.
📈 PositiveBenzinga•Oct 29, 2025, 11:23 AM
OppFi Raises FY2025 Adj EPS Guidance from $1.39-$1.44 to $1.54-$1.60 vs $1.42 Est; Raises FY2025 Sales Guidance from $578.000M-$605.000M to $590.000M-$605.000M vs $591.982M Est
📈 PositiveBenzinga•Oct 29, 2025, 11:10 AM
OppFi Q3 Adj. EPS $0.46 Beats $0.32 Estimate, Sales $155.089M Beat $153.423M Estimate
📈 PositiveBenzinga•Oct 29, 2025, 11:10 AM
OppFi Closes New $150M Revolving Credit Facility
📈 PositiveBenzinga•Oct 2, 2025, 11:10 AM
OppFi Board Approves $20M Increase to Share Repurchase Program, Bringing Total Authorization to $40M
📈 PositiveBenzinga•Aug 26, 2025, 11:07 AM
OppFi Publishes Supplemental Information On Outstanding Warrants To Purchase Class A Common Stock
➖ NeutralBenzinga•Aug 21, 2025, 08:33 PM
OppFi stock extends post-earnings rally as Citizens upgrades to Market Outperform
📈 PositiveSeeking Alpha•May 8, 2025, 06:48 PM
Frequently Asked Questions about OPFI
What is OPFI's current stock price?
OppFi Inc. (OPFI) is currently trading at $10.74 per share. The stock has moved +0.42% today.
What is the analyst price target for OPFI?
The average analyst price target for OPFI is $13.00, based on 1 analyst.
What sector is OppFi Inc. in?
OppFi Inc. operates in the Technology sector, specifically within the Software - Application industry. The company is traded on the NYSE exchange.
What is OPFI's market cap?
OppFi Inc. has a market capitalization of $0.94 billion, making it a small-cap company.
Does OPFI pay dividends?
No, OppFi Inc. does not currently pay a dividend to shareholders.
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