Zacks Investment Research·6 days ago
Best Value Stocks to Buy for July 2ndADM, EXP and OPFI made it to the Zacks Rank #1 (Strong Buy) value stocks list on July 2, 2026.
OppFi Inc.(OPFI)Earnings, Financials & Key Ratios
OPFI•NYSE
$9.48
9.6× P/E·Price updated Jul 7, 2026
AboutOppFi 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.Show more
- Revenue$597M+13.5%
- EBITDA$198M+90.5%
- Net Income$26M+262.8%
- EPS (Diluted)0.99+175.0%
- Gross Margin95.09%+18.9%
- EBITDA Margin33.23%+67.8%
- Operating Margin32.37%+80.1%
- Net Margin4.41%+219.6%
- ROE9.7%+186.0%
OPFI Price & Volume
OppFi Inc. (OPFI) stock price & volume — 10-year historical chart
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Operating Leverage Gains Mask Subprime Regulatory Risks
Investment Thesis • Updated 2026Q1
VerdictNeutral
Growth:Expanding
Profitability:Moderate
Financial:Adequate
Cash Flow:Mixed
Primary Risk:Regulatory and credit volatility
Key Thesis Takeaways
- OppFi demonstrates significant operational scaling, evidenced by an expansion in operating margins from 18.2% in 2024Q4 to 42.9% in 2026Q1, while maintaining consistent free cash flow generation.
- However, the company's reliance on a bank-partner model exposes it to substantial regulatory and credit volatility that may threaten long-term sustainability.
- Investors should weigh the attractive 5.17 forward P/E valuation against the inherent risks of the subprime lending sector and the potential for future legislative interest rate caps.
Verdict Logic
while the stock trades at a low 5.17 forward P/E, the extreme volatility in the OCF/NI ratio, which reached 3.20 in 2026Q1, warrants caution regarding the quality of earnings and regulatory exposure.
OPFI Growth Metrics
OppFi Inc. (OPFI) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years-
5 Years15.46%
3 Years9.65%
TTM12.95%
Profit CAGR
10 Years-
5 Years-19.42%
3 Years54.8%
TTM784.92%
EPS CAGR
10 Years-
5 Years-30.19%
3 Years169.82%
TTM289.74%
Return on Capital
10 Years16.3%
5 Years14.33%
3 Years18.76%
Last Year30.93%
OPFI Recent Earnings
OppFi Inc. (OPFI) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 10/12 qtrs (91%)●Beat Revenue 7/12 qtrs (64%)
Q2 2026Latest
May 7, 2026Metric
Actual
Est
EPS
$0.35+6.1%
$0.33
Rev
$152M+0.5%
$151M
Q2 2026
Mar 11, 2026Metric
Actual
Est
EPS
$0.30+7.1%
$0.28
Rev
$159M-0.3%
$160M
Q4 2025
Oct 29, 2025Metric
Actual
Est
EPS
$0.46+48.4%
$0.31
Rev
$155M+1.1%
$153M
Q3 2025
Aug 7, 2025Metric
Actual
Est
EPS
$0.78
—
Rev
$142M
—
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | May 7, 2026 | $0.35vs $0.33+6.1% | $152Mvs $151M+0.5% |
| Q2 2026 | Mar 11, 2026 | $0.30vs $0.28+7.1% | $159Mvs $160M-0.3% |
| Q4 2025 | Oct 29, 2025 | $0.46vs $0.31+48.4% | $155Mvs $153M+1.1% |
| Q3 2025 | Aug 7, 2025 | $0.78 | $142M |
Based on last 12 quarters of dataView full earnings history →
Latest OPFI News
Recent stock market news and headlines for OppFi Inc. (OPFI)
Zacks Investment Research·Jun 17, 2026
OppFi (OPFI) Soars 6.3%: Is Further Upside Left in the Stock?OppFi (OPFI) witnessed a jump in share price last session on above-average trading volume. The latest trend in earnings estimate revisions for the stock doesn't suggest further strength down the road.
Peers Comparison
Key metrics vs top competitors for OppFi Inc. (OPFI)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $9.48 | $817.13M | 9.58 | 13.52% | 4.41% | 9.7% | 25.83% | |
| $237.00 | $5.91B | 20.47 | 18.58% | 9.95% | 24.88% | — | |
| $199.11 | $923.93M | 28.94 | 3.7% | 5.98% | 9.36% | — | |
| $41.88 | $393.54M | 9.41 | 9.7% | 7.4% | 13.16% | — | |
| $97.38 | $1.47B | 16.34 | 53.29% | 10.79% | 21.82% | — | |
| $14.51 | $1.89B | 1.15 | 8.83% | 33.86% | 24.95% | — |
Compare OPFI vs Peers
OppFi Inc. (OPFI) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
OPFI SEC Filings & Documents
OppFi Inc. (OPFI) SEC filings — annual & quarterly reports (10-K, 10-Q)
8-K Announcements
6Material company update
May 7, 2026·SEC
Material company update
Apr 29, 2026·SEC
Material company update
Apr 16, 2026·SEC
10-K Annual Reports
210-Q Quarterly Reports
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OPFI Frequently Asked Questions
OppFi Inc. (OPFI) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
What is OppFi Inc.'s revenue?
OppFi Inc. (OPFI) reported $608.7M in revenue for fiscal year 2025. This represents a 467% increase from $107.3M in 2019.
How fast is OppFi Inc. growing?
OppFi Inc. (OPFI) grew revenue by 13.5% over the past year. This is steady growth.
Is OPFI profitable?
Yes, OppFi Inc. (OPFI) is profitable, generating $66.1M in net income for fiscal year 2025 (4.4% net margin).
Dividend & Returns
Does OPFI pay dividends?
Yes, OppFi Inc. (OPFI) pays a dividend with a yield of 25.83%. This makes it attractive for income-focused investors.
What is OPFI's return on equity?
OppFi Inc. (OPFI) has a return on equity (ROE) of 9.7%. This is below average, suggesting room for improvement.
What is OppFi Inc.'s free cash flow?
OppFi Inc. (OPFI) generated $307.8M in free cash flow for fiscal year 2025. Positive FCF indicates the company can fund dividends, buybacks, or reinvestment.