OppFi Inc.

NYSE•OPFI

CEO: Mr. Todd G. Schwartz

Sector: Technology

Industry: Software - Application

Listing Date: 2020-11-20

OppFi Inc. is a tech-enabled specialty finance platform that broadens the reach of community banks to extend credit access to everyday Americans. It supports consumers, who are turned away by mainstream options, to build financial health, through transparency, responsible lending, financial inclusion, and a better customer experience. The company was founded in 2012 and is headquartered in Chicago, Illinois.

Contact Information

One Prudential Plaza, Suite 3400 130 East Randolph Street, Chicago, IL, 60601, United States

312-212-8079

www.oppfi.com

Market Cap

$713.89M

P/E (TTM)

3.4

30.4

Dividend Yield

52W High

$15.03

52W Low

$7.36

52W Range

13%

Rank42Top 47.5%

3.9

F-Score

Modified Piotroski Analysis

Based on 7-year fundamentals

Weak • 3.9 / 9 points

Scoring Range (0-9)

8-9: Excellent Value

6-7: Strong Fundamentals

4-5: Average Quality

0-3: Weak Performance

Data Period: 2019-2025

Financial Dashboard

Q1 2026 Data

Revenue

$151.88M+0.00%

4-Quarter Trend

EPS

$1.06+0.00%

4-Quarter Trend

FCF

$0.00+0.00%

4-Quarter Trend

2025 Annual Earnings Highlights

Key Highlights

Net Income Soars Net income attributable to OppFi Inc. reached $26.33M, marking a 262.8% increase over prior year results.

Revenue Growth Strong Total revenue increased 13.5% to $597.05M for 2025, driven by higher average receivables balances and yield.

Expense Management Success Total expenses decreased 5.5% to $214.50M, primarily due to lower interest expense and capitalized technology amortization.

Receivables Portfolio Expansion Ending receivables grew 16.0% to $493.12M, supported by higher retained originations and credit model improvements.

Risk Factors

Bank Partner Dependence Critical Business highly dependent on existing bank partners; disruption or termination of these relationships poses significant adverse risk.

Model Effectiveness Uncertainty Machine learning models untested in prolonged down-cycle; errors could lead to higher than forecasted loan losses.

Regulatory Scrutiny Exposure Litigation risk remains, especially regarding "true lender" challenges and compliance with evolving federal and state laws.

Revenue Growth Fluctuation Revenue growth rate may fluctuate or decline; recent performance not indicative of sustained future growth trajectory.

Outlook

Platform Technology Investment Developing next-generation LOLA platform expected to enhance funnel performance and operational efficiency in second half 2026.

Profitable Growth Strategy Anticipates leveraging organic and inorganic opportunities, including strategic acquisitions like Bitty, for long-term profitable growth.

Customer Acquisition Focus Continues investing in new marketing channels to maximize reach while focusing on higher quality, lower cost acquisition.

Credit Model Refinement Enhanced Model 6.1 refit in Q4 2025, planning full implementation in H2 2026 to improve risk identification precision.

Peer Comparison

Revenue (TTM)

CRSR

$1.46B

+8.0%

ADTN

$1.12B

+18.8%

AOSL

$685.04M

+0.6%

Gross Margin (Latest Quarter)

HKD

113.1%

+0.0pp

OPFI

95.9%

+2.5pp

VTEX

78.8%

+2.8pp

Key Metrics

Symbol	Market Cap	P/E (TTM)	ROE (TTM)	Debt to Assets
AOSL	$1.35B	-12.7	-13.0%	3.0%
ADTN	$1.24B	-34.3	-24.0%	18.4%
APPS	$1.18B	-29.2	-22.0%	43.8%

Long-Term Trends

Last 4 Quarters

Revenue

Net Income

Operating Cash Flow

4Q Revenue CAGR

2.2%

Moderate Growth

4Q Net Income CAGR

N/M

Profitability Shift

Cash Flow Stability

100%

Strong Cash Flow

Deep Research

Next earnings:Aug 5, 2026

EPS:$0.48

Revenue:$156.51M

Financials

Earnings Calls

Reports

News

Income Statement

Balance Sheet

Cash Flow Statement

Ratios

% Chg.

Income Statement	LTM

No Data