Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
Help & Tutorial 
Cancel anytime
- Chart
- Upturn Summary
- Highlights
- Revenue
- Valuation
Upturn AI SWOT - About
OppFi Inc (OPFI)
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- Pass (Skip investing)
Stock price based on last close (see disclosures)
- ALL
- YEAR
- MONTH
- WEEK
Upturn Advisory Summary
07/09/2025: OPFI (5-star) is a STRONG-BUY. BUY since 43 days. Profits (26.29%). Updated daily EoD!
Upturn Star Rating
Outstanding Performance
These Stocks/ETFs, based on Upturn Advisory, have historically outperformed the market, making them a top-tier choice for investors.
Number of Analysts
2 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $14.67
1 Year Target Price $14.67
| 1 | Strong Buy |
| 1 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 215.19% | Avg. Invested days 39 | Today’s Advisory Strong Buy |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  5.0 |
| Profits based on simulation | Last Close 07/09/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.24B USD | Price to earnings Ratio - | 1Y Target Price 14.67 |
Price to earnings Ratio - | 1Y Target Price 14.67 | ||
Volume (30-day avg) 2 | Beta 1.75 | 52 Weeks Range 3.00 - 17.18 | Updated Date 07/9/2025 |
52 Weeks Range 3.00 - 17.18 | Updated Date 07/9/2025 | ||
Dividends yield (FY) 1.76% | Basic EPS (TTM) -0.41 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin -3.16% | Operating Margin (TTM) 50.92% |
Management Effectiveness
Return on Assets (TTM) 15.64% | Return on Equity (TTM) 43.36% |
Valuation
Trailing PE - | Forward PE 11.68 | Enterprise Value 615848825 | Price to Sales(TTM) 4.05 |
Enterprise Value 615848825 | Price to Sales(TTM) 4.05 | ||
Enterprise Value to Revenue 1.14 | Enterprise Value to EBITDA 1.87 | Shares Outstanding 26172900 | Shares Floating 24559602 |
Shares Outstanding 26172900 | Shares Floating 24559602 | ||
Percent Insiders 6.99 | Percent Institutions 45.79 |
Upturn AI SWOT
OppFi Inc
Company Overview
History and Background
OppFi Inc., formerly known as FG New America Acquisition Corp., was founded in 2012. It is a financial technology platform that powers banks to help everyday consumers gain access to credit.
Core Business Areas
- Credit Products: OppFi offers installment loans and credit cards targeted toward consumers with limited access to traditional credit products.
- SaaS Platform: Provides a technology platform to banks, enabling them to offer similar credit products to their customers.
Leadership and Structure
Todd Schwartz is the Executive Chairman. The company operates with a board of directors and a management team overseeing various functions such as technology, finance, and marketing.
Top Products and Market Share
Key Offerings
- OppLoans Installment Loans: Personal loans ranging from $500 to $4,000 (limits can differ by state), designed for borrowers with less-than-perfect credit. Competitors include LendingClub, Upstart, and Prosper. Market Share data not publicly available for this specific product.
- OppFi Card: A credit card designed for similar clientele, providing access to revolving credit. Competitors include Credit One Bank and other subprime credit card issuers. Market Share data not publicly available for this specific product.
Market Dynamics
Industry Overview
The Fintech lending industry is growing, driven by increased demand for online lending solutions and financial inclusion. Regulation and macroeconomic conditions significantly influence market dynamics.
Positioning
OppFi is positioned as a Fintech provider focused on serving the underbanked and near-prime consumer segments. Its competitive advantage lies in its technology platform and data-driven underwriting process.
Total Addressable Market (TAM)
The TAM for non-prime lending is estimated to be hundreds of billions of dollars in the US. OppFi is positioned to capture a portion of this market by offering accessible and responsible credit solutions.
Upturn SWOT Analysis
Strengths
- Technology platform optimized for near-prime lending
- Data-driven underwriting process
- Strong focus on compliance and regulatory requirements
- Partnerships with banks for expanded reach
Weaknesses
- High customer acquisition costs
- Dependence on partnerships for growth
- Potential for regulatory scrutiny
- Exposure to economic downturns
Opportunities
- Expansion into new product lines
- Geographic expansion
- Strategic acquisitions and partnerships
- Increased demand for financial inclusion
Threats
- Increased competition from other Fintech lenders
- Changes in regulations
- Economic downturn impacting consumer creditworthiness
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- LC
- UPST
- PRSP
Competitive Landscape
OppFi's advantages include its focused approach to the near-prime market and its technology platform. Its disadvantages include its relatively smaller size compared to larger competitors and reliance on partnerships.
Growth Trajectory and Initiatives
Historical Growth: OppFi has demonstrated growth through expansion of its product offerings and partnerships.
Future Projections: Future growth is projected to come from increased adoption of its platform and expansion into new markets.
Recent Initiatives: Recent initiatives include strengthening partnerships and expanding product offerings to include more credit products.
Summary
OppFi Inc. is a Fintech company focusing on the near-prime lending market through its technology platform. The company is demonstrating consistent revenue growth. Reliance on partnerships and potential regulatory changes represent risks. OppFi needs to focus on customer acquisition to increase its market share in a competitive environment.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings, Industry reports, Analyst estimates, Company Website
Disclaimers:
The data provided is for informational purposes only and should not be considered financial advice. Market data is subject to change.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About OppFi Inc
Exchange NYSE | Headquaters Chicago, IL, United States | ||
IPO Launch date 2020-11-20 | Founder, Executive Chairman & CEO Mr. Todd G. Schwartz | ||
Sector Financial Services | Industry Credit Services | Full time employees 445 | Website https://www.oppfi.com |
Full time employees 445 | Website https://www.oppfi.com | ||
OppFi Inc., a tech-enabled digital finance platform, provides financial products and services for banks in the United States. The company offers installment loans through OppLoans platform. It serves consumers who are turned away by mainstream options. The company was founded in 2012 and is based in Chicago, Illinois.
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.