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

$749.96M

PER (TTM)

8.6

34.7

配当利回り

2.9%

52週高値

$15.03

52週安値

$7.54

52週レンジ

14%

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

Q4 2025 データ

売上高

$159.25M+0.00%

直近4四半期の推移

EPS

$0.61+0.00%

直近4四半期の推移

フリーCF

$203.41M+0.00%

直近4四半期の推移

2025 Annual 決算ハイライト

主なハイライト

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.

リスク要因

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.

見通し

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.

同業比較

売上高 (TTM)

CRSR

$1.47B

+11.9%

ADTN

$1.08B

+17.5%

AOSL

$685.88M

+2.9%

粗利益率 (最新四半期)

OPFI

129.3%

+2.5pp

APPS

91.9%

+1.9pp

VTEX

79.5%

+2.8pp

主要指標

銘柄コード	時価総額	PER (TTM)	ROE (TTM)	負債比率
ADTN	$870.32M	-18.9	-30.6%	20.3%
HKD	$807.29M	17.2	23.2%	27.3%
OPFI	$749.96M	8.6	26.7%	42.6%

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

4.3%

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5月5日

EPS:-

売上高:-

財務データ

決算説明会

財務レポート

ニュース

損益計算書

バランスシート

キャッシュフロー計算書

財務比率

変化率

損益計算書	直近12ヶ月

データなし