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Upturn AI SWOT - About
OPFI 
OppFi Inc (OPFI)
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Upturn Advisory Summary
10/10/2025: OPFI (4-star) is a SELL. SELL since 2 days. Simulated Profits (-16.79%). Updated daily EoD!
Upturn Star Rating
Above Average Performance
These Stocks/ETFs, based on Upturn Advisory, frequently surpass the market, reflecting reliable and trustworthy advice.
Number of Analysts
2 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $14.17
1 Year Target Price $14.17
| 1 | Strong Buy |
| 1 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 123.19% | Avg. Invested days 37 | Today’s Advisory SELL |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  5.0 |
| Profits based on simulation | Last Close 10/10/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 840.76M USD | Price to earnings Ratio - | 1Y Target Price 14.17 |
Price to earnings Ratio - | 1Y Target Price 14.17 | ||
Volume (30-day avg) 2 | Beta 1.73 | 52 Weeks Range 4.59 - 17.18 | Updated Date 10/12/2025 |
52 Weeks Range 4.59 - 17.18 | Updated Date 10/12/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) -1.36 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin -10.44% | Operating Margin (TTM) 49.49% |
Management Effectiveness
Return on Assets (TTM) 12.5% | Return on Equity (TTM) 37.15% |
Valuation
Trailing PE - | Forward PE 7.35 | Enterprise Value 577333170 | Price to Sales(TTM) 2.62 |
Enterprise Value 577333170 | Price to Sales(TTM) 2.62 | ||
Enterprise Value to Revenue 1.04 | Enterprise Value to EBITDA 1.67 | Shares Outstanding 28357891 | Shares Floating 26768431 |
Shares Outstanding 28357891 | Shares Floating 26768431 | ||
Percent Insiders 6.23 | Percent Institutions 56.66 |
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 offer accessible products that help everyday consumers build a better financial path. OppFi went public via SPAC merger in 2021.
Core Business Areas
- Personal Loans: Provides installment loans to credit-challenged consumers. These loans are designed to provide access to capital for unexpected expenses or other financial needs.
- Credit Card: Offers a credit card designed for those with limited or damaged credit histories to help them build credit.
- SalaryTap: This product enables employees to pay bills and access financial wellness programs through their paycheck.
Leadership and Structure
Todd Schwartz is the Executive Chairman and Co-Founder. The organizational structure is typical of a publicly traded company, with a board of directors and various executive leadership roles overseeing different departments.
Top Products and Market Share
Key Offerings
- Competitors: Enova, Elevate Credit, LendingClub
- Personal Loans: OppFi's personal loans are its core product, targeting the underserved non-prime market. Market share is difficult to pinpoint precisely, but OppFi operates in the broader unsecured personal loan market, competing with online lenders, payday lenders, and other alternative credit providers. Competitors include Enova, Elevate Credit, and LendingClub.
- Revenue: Personal loans contribute the most revenue to OppFi
- Users: OppFi reports serving hundreds of thousands of customers with their personal loan products.
- Competitors: Capital One, Credit One Bank, Petal
- Credit Card: OppFi also offers a credit card product called OppFi Card for consumers with limited credit history to help them build credit. This market has high competition, with large players and fintechs. Competitors include Capital One, Credit One Bank, and Petal.
- Revenue: Credit Card product contributes less revenue to OppFi compared to personal loans.
- Users: The company has a small number of users for its credit card product compared to the number of users for their personal loan product.
Market Dynamics
Industry Overview
The industry is characterized by a large segment of the population underserved by traditional banks. The rise of fintech has increased the number of options for consumers who need alternative credit. The industry is subject to regulatory scrutiny, especially regarding interest rates and fees.
Positioning
OppFi is positioned as a fintech company providing access to credit for non-prime consumers. It differentiates itself by emphasizing transparency and financial education.
Total Addressable Market (TAM)
The non-prime lending market is estimated to be over $200 billion. OppFi is relatively small compared to this TAM, indicating considerable growth potential.
Upturn SWOT Analysis
Strengths
- Focus on underserved non-prime market
- Technology-driven platform for efficient lending
- Emphasis on transparency and financial education
- Strategic partnerships with banks
Weaknesses
- High interest rates on loans
- Regulatory risks associated with non-prime lending
- Relatively small market share compared to competitors
- Dependence on funding sources
Opportunities
- Expansion into new products and services
- Increased partnerships with banks and other financial institutions
- Growth in the non-prime lending market
- Leveraging technology to improve efficiency and reduce costs
Threats
- Increased competition from other fintech companies
- Changes in regulations affecting non-prime lending
- Economic downturn leading to increased loan defaults
- Negative publicity related to high interest rates
Competitors and Market Share
Key Competitors
- ENVA
- ELVT
- LC
Competitive Landscape
OppFi's advantages include its focus on transparency and financial education. Disadvantages include high interest rates and relatively small market share.
Growth Trajectory and Initiatives
Historical Growth: OppFi has experienced revenue growth in recent years due to increased loan originations and expanding its product offerings.
Future Projections: Future growth is expected to come from further expansion into new markets, increased partnerships, and leveraging technology to improve efficiency.
Recent Initiatives: Recent initiatives include strategic partnerships with banks, enhancing its credit card offerings, and expanding SalaryTap.
Summary
OppFi is a fintech company targeting the non-prime lending market, showing growth in revenue and expansion of its services. It faces regulatory risks, high interest rates criticism, and strong competition. Strategic partnerships and technological advancements are crucial for future growth. OppFi must handle reputational risks to enhance long-term viability.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings
- Analyst reports
- Industry publications
- OppFi Investor Relations
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Investment decisions should be made based on thorough research and consultation with a qualified financial advisor.
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.
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