Core Insights - OppFi Inc. (OPFI) shares have increased by 45.5% over the past year, significantly outperforming its industry, which saw an 11.1% decline, and the Zacks S&P 500 Composite, which rose by 14.1% [1][4] - The company's year-to-date performance also shows a gain of 29.8%, compared to declines of 18.3% for Corpay and 27.3% for International Money Express [4] Financial Performance - OPFI's operational efficiency has been enhanced through AI and machine learning, resulting in an auto-approval rate increase to 79.1% in Q3 2025 from 76.8% in the same quarter last year [5] - Total expenses as a percentage of total revenues decreased by 500 basis points year-over-year and 300 basis points quarter-over-quarter, contributing to a 136.9% increase in net income year-over-year and a 561.4% rise from the previous quarter [6][8] - The company has consistently raised its FY25 adjusted EPS outlook, now projected between $1.54 and $1.60 [7][12] Risk Management - OPFI has implemented Model 6 to differentiate customers across risk segments, although there was an 80-basis-point increase in net charge-offs as a percentage of total revenues year-over-year [8][9] - The upcoming rollout of Model 6.1 aims to better identify riskier borrowers, with full implementation expected by Q1 2026 [9] Guidance and Estimates - Management has raised its guidance for adjusted net income from $95-$97 million in Q4 2024 to $137-$142 million in Q3 2025, reflecting a positive outlook [10][12] - The Zacks Consensus Estimate for OPFI's 2025 revenues is $598 million, indicating a 13.6% year-over-year growth, with earnings per share expected to surge by 65.3% [16][17] Valuation - OPFI is currently priced at 5.9 times forward 12-month earnings per share, significantly lower than the industry average of 20.6 times, making it an attractive investment opportunity [13] - The trailing 12-month EV-to-EBITDA ratio stands at 5 times, compared to the industry average of 11.2 times [13] Investment Recommendation - The combination of improved profitability through technology, consistent guidance increases, and attractive valuation metrics positions OPFI as a compelling buy for investors seeking long-term capital gains [18][19]

Shares of OppFi Inc. (OPFI) have gained 3.2% over the past four weeks to close the last trading session at $9.94, but there could still be a solid upside left in the stock if short-term price targets of Wall Street analysts are any indication. Going by the price targets, the mean estimate of $14.5 indicates a potential upside of 45.9%.The mean estimate comprises three short-term price targets with a standard deviation of $1.32. While the lowest estimate of $13.50 indicates a 35.8% increase from the current ...

Financial Performance - Total revenue for Q3 2025 reached $155.1 million, a 13.5% increase from $136.6 million in Q3 2024[18] - Net income attributable to OppFi Inc. for Q3 2025 was $41.6 million, compared to $4.3 million in Q3 2024, representing a significant increase[18] - The company reported a net revenue of $104.6 million for Q3 2025, up from $91.2 million in Q3 2024, marking a 14.8% growth[18] - Earnings per diluted share for Q3 2025 were $0.77, compared to $0.21 in Q3 2024, showing a substantial improvement[18] - Net income for the nine months ended September 30, 2025, was $107.8 million, compared to $69.9 million for the same period in 2024, representing a 54% increase[27] - Total revenue for the three months ended September 30, 2025, was $155.1 million, an increase of 13.5% from $136.6 million in the same period of 2024[101] - Net income attributable to OppFi Inc. for the three months ended September 30, 2025, was $41.6 million, compared to $4.3 million in the same period of 2024, representing a significant increase[101] - Basic earnings per share for the three months ended September 30, 2025, was $1.48, compared to $0.21 for the same period in 2024[14] - Diluted earnings per share for the three months ended September 30, 2025, was $0.77, up from $0.21 in the same period of 2024[14] Assets and Liabilities - Total assets increased to $720.6 million as of September 30, 2025, compared to $641.2 million at the end of 2024, reflecting a growth of 12.4%[13] - The company’s total liabilities increased to $443.4 million as of September 30, 2025, compared to $407.0 million at the end of 2024, a rise of 8.9%[13] - Total stockholders' equity increased to $277.3 million as of September 30, 2025, compared to $234.2 million at the end of 2024, reflecting a growth of 18.4%[13] - As of September 30, 2025, the unpaid principal balance of installment finance receivables was $481.0 million, an increase from $425.2 million as of December 31, 2024, representing a growth of 13.1%[52] - The total finance receivables at fair value reached $541.9 million as of September 30, 2025, compared to $473.7 million at the end of 2024, indicating a year-over-year increase of 14.4%[52] Cash Flow and Investments - Cash provided by operating activities for the nine months ended September 30, 2025, was $284.5 million, up from $229.3 million in 2024, indicating a 24% growth[27] - The company reported a net cash used in investing activities of $218.4 million for the nine months ended September 30, 2025, compared to $170.6 million in 2024[27] - The ending cash and restricted cash balance as of September 30, 2025, was $75.2 million, down from $74.2 million at the end of September 2024[27] - Cash and restricted cash as of September 30, 2025, totaled $75.2 million, with cash at $45.5 million and restricted cash at $29.7 million[98] Finance Receivables - Finance receivables at fair value rose to $541.9 million in Q3 2025, up from $473.7 million in Q4 2024, indicating a 14.4% increase[13] - Total finance receivables originated and acquired for the nine months ended September 30, 2025, amounted to $587.3 million, compared to $538.4 million in 2024, reflecting a 9% increase[27] - For the three months ended September 30, 2025, the company originated $219.5 million in finance receivables, up from $201.5 million in the same period of 2024, reflecting an increase of 8.9%[53] - The net charge-offs for the nine months ended September 30, 2025, were $148.4 million, slightly down from $148.9 million in the same period of 2024, showing a decrease of 0.3%[53] - Charge-offs, net for the three months ended September 30, 2025, were $54.4 million, up from $46.8 million in the same period of 2024[101] Expenses and Compensation - Total expenses for the three months ended September 30, 2025, were $56.1 million, slightly up from $56.1 million in the same period of 2024[101] - Stock-based compensation expense for the nine months ended September 30, 2025, was $8.3 million, compared to $4.2 million in 2024, indicating a 97% increase[27] - The Company recognized stock-based compensation expense related to stock options of $50 thousand for the three months ended September 30, 2025[78] - For the nine months ended September 30, 2025, the Company recognized stock-based compensation related to RSUs of $7.8 million[80] Legal and Regulatory Matters - The company is currently involved in legal proceedings and regulatory matters, which may impact its financial condition, but management does not believe these will have a material adverse effect[103] Shareholder Information - The company repurchased 710,430 shares of Class A Common Stock for $7.4 million at an average price of $10.33 per share during the three months ended September 30, 2025[73] - The company has $29 million remaining under its share repurchase authorization as of September 30, 2025[73] - The Board declared a dividend of $0.25 per share for Class A Common Stock, payable to stockholders of record as of April 8, 2025[74] Accounting and Reporting - The company is currently evaluating the impact of new accounting standards on its disclosures, which may affect future financial reporting[49] - The Company has not provided additional market risk disclosures as it qualifies as a "smaller reporting company" under Regulation S-K[17]

(0:30) - Finding Zacks #1 Rank Stocks That Continue To Outperform (4:00) - Tracey’s Top Stock Picks For Your Watchlist Right Now (23:50) - Episode Roundup: INDV, TRVV, OPFI Podcast@Zacks.com   Welcome to Episode #463 of the Zacks Market Edge Podcast. Every week, host and Zacks stock strategist, Tracey Ryniec, will be joined by guests to discuss the hottest investing topics in stocks, bonds, and ETFs and how it impacts your life. This week, Tracey is going solo to screen for stocks that have th ...

OppFi Inc. (NYSE: OPFI ) recently reported another strong quarter of earnings, though the recent stock action would indicate otherwise. There are several factors that are causing the recent stock pullback, including OPFI's exposure to the credit markets, uncertaintyAnalyst’s Disclosure:I/we have no stock, option or similar derivative position in any of the companies mentioned, and no plans to initiate any such positions within the next 72 hours. I wrote this article myself, and it expresses my own opinions. ...

OppFi Inc. (NYSE: OPFI ) recently reported another strong quarter of earnings, though the recent stock action would indicate otherwise. There are several factors that are causing the recent stock pullback, including OPFI's exposure to the credit markets, uncertaintyAnalyst’s Disclosure:I/we have no stock, option or similar derivative position in any of the companies mentioned, and no plans to initiate any such positions within the next 72 hours. I wrote this article myself, and it expresses my own opinions. ...

Core Insights - OppFi Inc. (OPFI) is a technology-driven digital finance platform that specializes in marketing, underwriting, and servicing installment loans to consumers through partnerships with community banks [1] - The company does not finance loans directly but focuses on leveraging technology to enhance its services [1] Company Overview - OppFi operates as a digital finance platform, emphasizing technology in its loan servicing model [1] - The company collaborates with community banks to provide installment loans, indicating a partnership-driven approach to its business model [1] Industry Context - The digital finance sector is increasingly reliant on technology to streamline loan processes and improve customer experience [1] - Partnerships with community banks suggest a trend towards collaboration in the financial services industry, allowing for a broader reach and enhanced service offerings [1]

Growth stocks are attractive to many investors, as above-average financial growth helps these stocks easily grab the market's attention and produce exceptional returns. But finding a growth stock that can live up to its true potential can be a tough task.By their very nature, these stocks carry above-average risk and volatility. Moreover, if a company's growth story is over or nearing its end, betting on it could lead to significant loss.However, the task of finding cutting-edge growth stocks is made easy w ...

The price trend for OppFi Inc. (OPFI) has been bearish lately and the stock has lost 7.4% over the past four weeks. However, the formation of a hammer chart pattern in its last trading session indicates that the stock could witness a trend reversal soon, as bulls might have gained significant control over the price to help it find support.While the formation of a hammer pattern is a technical indication of nearing a bottom with potential exhaustion of selling pressure, rising optimism among Wall Street anal ...

Stonegate Capital Partners Updates 3Q25 Report on OppFi, Inc. (OPFI)October 30, 2025 10:11 AM EDT | Source: Reportable, Inc.Dallas, Texas--(Newsfile Corp. - October 30, 2025) - OppFi, Inc. (NYSE: OPFI) : Stonegate Capital Partners Updates Coverage on OppFi (NYSE: OPFI). OPFI reported revenue, adj. Net Income, and adj. EPS of $155.1M, $40.7M, and $0.46, respectively. This compares to our/consensus estimates of $155.2M/$153.4M, $27.4M/$28.9M, and $0.30/$0.32. Net revenue margin was 67.4% for the ...