OppFi Inc. (NYSE: OPFI ) is a technology‑driven specialty finance company focused on providing unsecured installment loans to borrowers who can't access mainstream credit. Through its partnerships with banks, OppFi has built a digital lending platform that takes on thePhD in Law and Economics, with a dissertation focusing on corporate wrongdoing. Longstanding interest in the stock-market, focusing primarily on US small to mid caps, both long and short.I will write about what peaks my interest: value/growth/ ...

Key Takeaways OppFi posted Q2 revenue growth of 12.8% and raised the 2025 revenue view to $578-$605M.Futu Holdings delivered a 69.7% revenue surge and a 1570 bps margin jump in 2Q25.Estimates indicate 2025 EPS growth of 49.5% for OppFi and 64.5% for Futu Holdings.Both OppFi Inc. (OPFI) and Futu Holdings Limited (FUTU) are eminent fintech players sailing through the market, leveraging advanced technologies. FUTU operates as an online brokerage and wealth management services provider, while OPFI serves the un ...

[Music] Stocks our strategists feel are poised to deliver positive returns are featured now in their top stock picks of the week. Hi, Shiraz Mian here uh with the top stock video. Uh uh today uh Brian Hayes will be joining me and uh both of us have picked one stock uh each uh uh from the finance sector uh for both of us.Uh so so let me jump into mine. Um as you could see here on this slide uh I'm featuring JP Morgan. Uh needs no introduction.In this slide I'm showing the trailing one-year performance of JP ...

Group 1 - The equity market serves as a significant mechanism for wealth creation or destruction over the long term through daily price fluctuations [1] - Pacifica Yield focuses on long-term wealth creation by targeting undervalued high-growth companies, high-dividend stocks, REITs, and green energy firms [1]

Core Viewpoint - OppFi Inc. (OPFI) has experienced a remarkable stock price increase of 139.2% over the past year, significantly outperforming its industry and the broader market [1][4]. Group 1: Stock Performance - OPFI's stock has gained 33% year-to-date, while competitors PayPal and Repay have seen declines of 23.1% and 25.8%, respectively [4]. - The stock's performance is compelling enough to attract investor interest, but further analysis is needed to understand the reasons behind this growth [4]. Group 2: Business Model and Strategy - OppFi utilizes a bank-partner model to cater to everyday American users, specifically targeting individuals with Fair Issac Corporation scores below 650, who often lack access to traditional lending options [5]. - The company has implemented AI and machine learning models to mitigate default risks, resulting in an 80% loan auto-approval rate in the June quarter, up from 76% the previous year [6]. Group 3: Financial Outlook - Management has raised its revenue guidance for 2025 to between $578 million and $605 million, up from a previous estimate of $563 million to $594 million, and adjusted net income guidance to $125 million to $130 million from $106 million to $113 million [8]. - The Zacks Consensus Estimate for OPFI's 2025 revenues is $588.9 million, indicating a 12% year-over-year growth, with earnings per share expected to rise by 49.5% [14][15]. Group 4: Valuation and Liquidity - OppFi's stock is currently trading at a forward P/E ratio of 6.97, significantly lower than the industry average of 21.74 [9]. - The company's current ratio improved to 1.72 in the second quarter of 2025, surpassing the industry average of 1.17, indicating strong liquidity [11].

Core Insights - OppFi (OPFI) has raised its adjusted EPS guidance for 2025 to a range of $1.39-$1.44, up from the previous range of $1.18-$1.26, indicating strong growth expectations [1][8] - The adjusted net income guidance for 2025 has also increased to $125-$130 million from $106-$113 million, reflecting a positive growth trajectory [2][8] - Despite a 44% sequential decline in net income during the June quarter, adjusted net income saw significant increases of 67% in Q1 and 117% in Q2, driven by changes in fair value of warrant liabilities [3][8] - Total revenues for 2025 are expected to be between $578 million and $605 million, representing a 10% to 15% increase from 2024 actuals, supported by consistent top-line growth and prudent expense management [4] - OPFI's stock has surged 139.6% over the past year, outperforming competitors Green Dot (GDOT) and FirstCash (FCFS), which rose 18% and 25.5% respectively [5][8] Valuation and Estimates - OPFI trades at a forward price-to-earnings ratio of 6.62, significantly lower than the industry average of 22.11, with Green Dot at 9.2 and FirstCash at 16.24 [9] - The Zacks Consensus Estimate for OppFi's earnings for 2025 and 2026 has increased by 15.4% and 4.9% respectively over the past 60 days, indicating positive market sentiment [12]

OppFi Inc. (OPFI) closed the last trading session at $10.29, gaining 3% over the past four weeks, but there could be plenty of upside left in the stock if short-term price targets set by Wall Street analysts are any guide. The mean price target of $14 indicates a 36.1% upside potential.The average comprises three short-term price targets ranging from a low of $12.50 to a high of $16.00, with a standard deviation of $1.8. While the lowest estimate indicates an increase of 21.5% from the current price level, ...

Core Viewpoint - Investors are increasingly seeking growth stocks that demonstrate above-average growth potential, with OppFi Inc. (OPFI) being highlighted as a strong candidate due to its favorable growth metrics and Zacks Rank [2][10]. Earnings Growth - OppFi has a historical EPS growth rate of 95.3%, with projected EPS growth of 49.5% for the current year, significantly outperforming the industry average of 11.3% [5][4]. Cash Flow Growth - The year-over-year cash flow growth for OppFi stands at 61.8%, well above the industry average of 4.3%. The company's annualized cash flow growth rate over the past 3-5 years is 19.4%, compared to the industry average of 12.9% [6][7]. Earnings Estimate Revisions - The current-year earnings estimates for OppFi have been revised upward, with the Zacks Consensus Estimate increasing by 15.4% over the past month, indicating positive momentum [9][8]. Overall Assessment - OppFi has achieved a Zacks Rank of 1 (Strong Buy) and a Growth Score of B, suggesting it is a potential outperformer and a solid choice for growth investors [10][11].

Core Viewpoint - OppFi Inc. has announced an increase in its share repurchase program, authorizing an additional $20 million for the purchase of Class A common stock, raising the total authorization to $40 million, reflecting the company's confidence in its long-term growth prospects [1][3]. Group 1: Share Repurchase Program - The Board of Directors has approved the purchase of up to an additional $20 million of Class A common stock, increasing the total repurchase authorization to $40 million [1]. - Under the existing program, OppFi has repurchased approximately 1.4 million shares for about $7.6 million, with around 390,000 shares repurchased in Q3 2025 [2]. - The company now has approximately $32.4 million of capacity remaining under the repurchase authorization [2]. Group 2: Company Overview - OppFi is a tech-enabled digital finance platform that partners with banks to provide financial products and services to underserved Americans, emphasizing financial inclusion and customer experience [4]. - The company maintains a high customer rating, with OppLoans by OppFi holding a 4.5/5.0 star rating on Trustpilot based on over 4,900 reviews [4]. - OppFi also has a 35% equity interest in Bitty Holdings, LLC, which offers revenue-based financing and working capital solutions to small businesses [4].

Core Viewpoint - OppFi Inc. has released supplemental information regarding its outstanding warrants, emphasizing the potential positive impacts on its capital structure and the possibility of significant capital infusion if the warrants are exercised [2]. Company Overview - OppFi Inc. is a tech-enabled digital finance platform that collaborates with banks to provide financial products and services to everyday Americans, focusing on financial inclusion and customer experience [3]. - The company has a 4.5/5.0 star rating on Trustpilot based on over 4,900 reviews, indicating a strong consumer rating among financial platforms [3]. - OppFi holds a 35% equity interest in Bitty Holdings, LLC, which offers revenue-based financing and working capital solutions to small businesses [3]. Warrants Information - The company aims to inform stockholders and potential investors about the outstanding public warrants, which are nearing expiration, to evaluate their potential effects on the company's capital structure [2]. - The supplemental information regarding the warrants is accessible on the company's Investor Relations page and through a Current Report on Form 8-K filed with the U.S. Securities and Exchange Commission [2].