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OppFi Inc.

OppFi Inc.

NYSE•OPFI
CEO: Mr. Todd G. Schwartz
セクター: Technology
業種: Software - Application
上場日: 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.
連絡先情報
One Prudential Plaza, Suite 3400 130 East Randolph Street, Chicago, IL, 60601, United States
312-212-8079
www.oppfi.com
時価総額
$769.17M
PER (TTM)
60.5
30.5
配当利回り
2.8%
52週高値
$15.30
52週安値
$7.54
52週レンジ
16%
順位42Top 47.5%
3.9
F-Score
改良版 Piotroski 分析
7年ファンダメンタル
弱い • 3.9 / 9 ポイント
スコアレンジ (0-9)
8-9: 価値が優れている
6-7: 基礎体質が強い
4-5: 全体的に堅調
0-3: パフォーマンスが弱い
データ期間: 2019-2025

財務ダッシュボード

Q3 2025 データ

売上高

$155.09M+13.54%
直近4四半期の推移

EPS

$45.73+21676.19%
直近4四半期の推移

フリーCF

$99.94M+35.64%
直近4四半期の推移

2025 Q3 決算ハイライト

主なハイライト

Net Income Attributable Surge Net income attributable to OppFi Inc. reached $41.6M for the quarter, an 876.5% increase from $4.3M last year.
Total Revenue Increased 13.5% Total revenue grew to $155.1M for the three months ended September 30, 2025, driven by higher average receivables balances.
Strong Operating Leverage Total expenses were flat at $56.1M, causing Income from Operations to increase 38.1% to $48.4M.
Ending Receivables Growth Ending receivables increased 16.3% to $481.0M as of September 30, 2025, supported by originations and term extensions.

リスク要因

California Regulatory Legal Battle Company vigorously defends against DFPI lawsuit seeking to enforce interest rate caps under the California Financing Law.
Warrant Liability Valuation Swings Change in fair value of warrant liabilities caused a $31.7M gain Q3 2025, indicating high volatility impacting GAAP earnings.
Credit Risk Concentration Noted Significant credit risk concentration exists in the loan portfolio, primarily serving consumers in Texas, Virginia, and Florida.
Future Capital Requirements Risk Future capital needs depend on operations; inability to raise necessary capital if current balances prove insufficient could be adverse.

見通し

Automation Drives Approval Rate Algorithmic automation projects streamlined origination, increasing the Auto-approval rate to 79.1% for the three-month period.
Share Repurchase Program Expanded Board authorized increasing the Repurchase Program by $20M, bringing total authorization to $40M, expiring in April 2027.
Technology Investment Continues Company capitalized $4.6M in software development costs during the quarter to enhance proprietary technology platform.
Evaluating New Accounting Guidance Management is currently evaluating the potential impact of recently issued FASB ASU 2024-03 on expense disclosures.

同業比較

売上高 (TTM)

Corsair Gaming, Inc.CRSR
$1.45B
+9.8%
ADTRAN Holdings, Inc.ADTN
$1.04B
+14.3%
Alpha and Omega Semiconductor LimitedAOSL
$685.88M
+2.9%

粗利益率 (最新四半期)

Digital Turbine, Inc.APPS
91.9%
+1.9pp
OppFi Inc.OPFI
84.1%
+2.5pp
Docebo Inc.DCBO
79.1%
-2.0pp

主要指標

銘柄コード
時価総額
PER (TTM)
ROE (TTM)
負債比率
SSYS$935.52M-7.3-15.3%2.9%
ADTN$796.35M-9.0-61.0%20.2%
OPFI$769.17M60.513.1%46.2%

長期トレンド

直近4四半期
売上高
純利益
営業キャッシュフロー
4四半期売上高CAGR
4.5%
緩やかな成長
4四半期純利益CAGR
N/M
収益構造の変化
キャッシュフロー安定性
100%
優れたキャッシュフローの実績

深度リサーチ

次回決算:2026年3月4日
|
EPS:$0.28
|
売上高:-
財務レポート
財務データ
全年度

  • Form 10-Q - Q3 2025

    会計期末: 2025年9月30日|提出日: 2025年11月6日|
    売上高: $155.09M+13.5%
    |
    EPS: $45.73+21676.2%
    予想を上回る

  • Form 10-Q - Q2 2025

    会計期末: 2025年6月30日|提出日: 2025年8月7日|
    売上高: $142.44M+12.8%
    |
    EPS: $-0.78-587.5%
    予想を下回る

  • Form 10-Q - Q1 2025

    会計期末: 2025年3月31日|提出日: 2025年5月8日|
    売上高: $140.27M+10.2%
    |
    EPS: $-0.48-265.5%
    予想を下回る

  • Form 10-K - FY 2024

    会計期末: 2024年12月31日|提出日: 2025年3月11日|
    売上高: $525.96M+3.3%
    |
    EPS: $0.36+687.3%
    予想を下回る

  • Form 10-Q - Q3 2024

    会計期末: 2024年9月30日|提出日: 2024年11月8日|
    売上高: $136.59M+2.6%
    |
    EPS: $0.21+61.5%
    予想通り

  • Form 10-Q - Q2 2024

    会計期末: 2024年6月30日|提出日: 2024年8月8日|
    売上高: $126.30M+3.1%
    |
    EPS: $0.16+14.3%
    予想を上回る

  • Form 10-Q - Q1 2024

    会計期末: 2024年3月31日|提出日: 2024年5月9日|
    売上高: $127.34M+5.8%
    |
    EPS: $0.29+1350.0%
    予想を上回る

  • Form 10-K - FY 2023

    会計期末: 2023年12月31日|提出日: 2024年3月27日|
    売上高: $508.95M+12.4%
    |
    EPS: $-0.06-112.0%
    予想を下回る