Core Insights - OppFi Inc. (OPFI) shares have surged 222.1% over the past year, significantly outperforming its industry growth of 10.3% and the Zacks S&P 500 Composite's 11% increase [1] - The stock has also shown strong performance over the last six months, increasing by 44.5%, compared to Mastercard's 6.3% and PayPal's 15.1% growth [4] Company Strategy - OppFi employs a bank-partner model that focuses on serving underbanked consumers with credit scores below 650, addressing a gap in traditional lending options [5] - The company has integrated AI and machine learning to enhance its service efficiency, achieving an auto-approval rate of 79% in Q1 2025, up from 73% in the same quarter the previous year [6][7] Customer Satisfaction - In Q1 2025, OppLoans received a 4.7 out of 5-star rating on Trustpilot from over 4,900 reviews, indicating strong customer satisfaction [8] - The company boasts a Net Promoter Score (NPS) of 78, reflecting a loyal customer base willing to promote the brand [8] Financial Metrics - OppFi shares are currently undervalued, trading at 9.27 times forward 12-month earnings per share, compared to the industry average of 21.68 times [9] - The trailing 12-month EV-to-EBITDA ratio for OPFI is 6.29 times, below the industry's average of 11.4 times [11] - The company's current ratio stands at 1.73 in Q1 2025, exceeding the industry average of 1.22, indicating strong liquidity [13] Revenue and Earnings Projections - The Zacks Consensus Estimate for OppFi's 2025 revenues is $578.4 million, reflecting a 10% year-over-year growth [15] - The consensus estimate for 2025 earnings per share is $1.23, implying a 29.5% year-over-year increase [15]