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OPFI Stock Forecast 2025-2026
$11.64
Current Price
$1.28B
Market Cap
Buy 2
Hold 0
Sell 0
Wall St Analyst Ratings
Distance to OPFI Price Targets
+16.0%
To High Target of $13.50
+13.8%
To Median Target of $13.25
+11.7%
To Low Target of $13.00
OPFI Price Momentum
+18.1%
1 Week Change
+37.4%
1 Month Change
+286.7%
1 Year Change
+52.0%
Year-to-Date Change
-34.3%
From 52W High of $17.73
+312.8%
From 52W Low of $2.82
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Latest OPFI Stock Price Targets & Analyst Predictions
Based on our analysis of 6 Wall Street analysts, OPFI has a bullish consensus with a median price target of $13.25 (ranging from $13.00 to $13.50). The overall analyst rating is Strong Buy (9.0/10). Currently trading at $11.64, the median forecast implies a 13.8% upside. This outlook is supported by 2 Buy, 0 Hold, and 0 Sell ratings.
The most optimistic forecast comes from David Scharf at JMP Securities, projecting a 16.0% upside.
Please note that analyst price targets are forward-looking estimates subject to substantial market, economic, and company-specific risks. Past performance does not guarantee future results, and actual stock performance may materially differ from these projections. Investors should conduct their own due diligence and consider their investment objectives and risk tolerance before making investment decisions.
OPFI Analyst Ratings
2
Buy
0
Hold
0
Sell
OPFI Price Target Range
Low
$13.00
Average
$13.25
High
$13.50
Current: $11.64
Latest OPFI Stock Forecasts by Analyst
These are the latest 20 analyst ratings and price targets for OPFI.
| Date | Firm | Analyst | Rating | Change | Price Target |
|---|---|---|---|---|---|
| May 8, 2025 | JMP Securities | David Scharf | Market Outperform | Upgrade | $13.50 |
| Dec 13, 2024 | Northland Capital Markets | Mike Grondahl | Outperform | Maintains | $10.00 |
| Nov 8, 2024 | Northland Capital Markets | Mike Grondahl | Outperform | Maintains | $8.00 |
| Apr 17, 2024 | JMP Securities | David Scharf | Market Outperform | Reiterates | $5.00 |
| Jan 12, 2024 | JMP Securities | David Scharf | Market Outperform | Maintains | $5.00 |
| Nov 10, 2023 | JMP Securities | David Scharf | Market Outperform | Maintains | $3.25 |
| Aug 11, 2023 | Needham | Mayank Tandon | Buy | Reiterates | $3.50 |
| May 12, 2023 | Needham | Mayank Tandon | Buy | Maintains | $3.50 |
| Mar 28, 2023 | JMP Securities | David Scharf | Market Outperform | Reiterates | $3.00 |
| Mar 24, 2023 | Needham | Mayank Tandon | Buy | Maintains | $2.50 |
| Mar 24, 2023 | DA Davidson | Christopher Brendler | Neutral | Maintains | $2.50 |
| Nov 11, 2022 | JMP Securities | David Scharf | Market Outperform | Maintains | $3.00 |
| Nov 11, 2022 | Needham | Mayank Tandon | Buy | Maintains | $3.00 |
| Aug 11, 2022 | DA Davidson | Chris Brendler | Neutral | Downgrade | $3.00 |
| Aug 10, 2022 | Needham | Mayank Tandon | Buy | Maintains | $4.00 |
| Jul 15, 2022 | JMP Securities | David Scharf | Market Outperform | Maintains | $5.00 |
| Mar 11, 2022 | Needham | Mayank Tandon | Buy | Maintains | $4.50 |
| Mar 11, 2022 | JMP Securities | Market Outperform | Maintains | $6.00 | |
| Aug 20, 2021 | Piper Sandler | Neutral | Initiates | $0.00 | |
| Aug 17, 2021 | Needham | Buy | Initiates | $0.00 |
OppFi Inc. (OPFI) Competitors
The following stocks are similar to OppFi based on their market capitalization and industry sector. These similar stocks potentially provide investors with alternative investment opportunities within the same market segment.
OppFi Inc. (OPFI) Financial Data
OppFi Inc. has a market capitalization of $1.28B with a P/E ratio of 32.3x. The company generates $305.57M in trailing twelve-month revenue with a -3.2% profit margin.
Revenue growth is +55.6% quarter-over-quarter, while maintaining an operating margin of +50.9% and return on equity of +43.4%.
Valuation Metrics
Market Cap
$1.28B
Enterprise Value
$761.75M
P/E Ratio
32.3x
PEG Ratio
13.1x
Price/Sales
4.2x
Growth & Margins
Revenue Growth (YoY)
+55.6%
Gross Margin
+81.2%
Operating Margin
+50.9%
Net Margin
-3.2%
EPS Growth
+2.1%
Financial Health
Cash/Price Ratio
+19.0%
Current Ratio
16.7x
Debt/Equity
127.1x
ROE
+43.4%
ROA
+15.6%
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OppFi Inc. (OPFI) Business Model
About OppFi Inc.
What They Do
Provides consumer lending solutions through technology.
Business Model
OppFi connects underserved individuals with accessible credit through its financial technology platform. The company generates revenue by facilitating loans and charging interest, focusing on responsible lending practices to improve customers' financial health.
Additional Information
Founded in 2015, OppFi utilizes advanced algorithms and data analytics to evaluate creditworthiness, expanding lending opportunities and innovating the credit issuance process. The company is a significant player in the fintech sector, emphasizing inclusivity and technological advancement.
Company Information
Sector
Financial Services
Industry
Credit Services
Employees
445
CEO
Mr. Todd G. Schwartz
Country
United States
IPO Year
2021
Website
www.oppfi.comOppFi Inc. (OPFI) Latest News & Analysis
Featured Analysis
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Zacks Investment Research
OppFi Q1 Earnings Coming Up: Should You Buy, Sell or Hold the Stock?
An expansion in the underbanked consumer market is expected to have benefited OPFI's top line in the first quarter of 2025.
May 02, 2025
By Arghyadeep Bose
Analyst Blog
Mastercard Q1 Earnings Beat Estimates on Cross-Border Transactions
MA continues to witness growth in GDV and cross-border volumes in Q1 2025. It has returned $694 million to shareholders via dividends in the quarter under review.
May 01, 2025
By Zacks Equity Research
Analyst Blog
Wex (WEX) Q1 Earnings and Revenues Beat Estimates
Wex (WEX) delivered earnings and revenue surprises of 3.24% and 0.98%, respectively, for the quarter ended March 2025. Do the numbers hold clues to what lies ahead for the stock?
Apr 30, 2025
By Zacks Equity Research
Tale of the Tape
Latest News
Quick Summary
Stonegate Capital Partners has updated its coverage on OppFi, Inc. (NYSE: OPFI), which reported revenue figures recently. Further details on financial performance are anticipated.
Why It Matters
Stonegate Capital Partners' coverage update on OppFi indicates potential shifts in investor sentiment and expectations around the company's financial performance, impacting stock valuation.
Source: Newsfile Corp
Market Sentiment:
Neutral
Quick Summary
OppFi serves 1.4 million underbanked customers, showing a 10% YoY revenue increase in Q1 2025 and doubled net income, but faces competition and potential credit stress risks.
Why It Matters
OppFi's strong Q1 2025 performance contrasts with rising delinquencies and competition, highlighting risks in the fintech sector that could impact future profitability and market stability.
Source: Seeking Alpha
Market Sentiment:
Negative
Quick Summary
OppFi reported a 101% YOY net income increase and a 285% rise in adjusted net income in Q1, leading to a 10% stock surge. However, risks from subprime borrowers amid economic uncertainty persist.
Why It Matters
OppFi's strong Q1 growth reflects potential, but risks from subprime borrower defaults amid economic uncertainty may deter cautious investors, impacting future stock performance.
Source: Seeking Alpha
Market Sentiment:
Neutral
Quick Summary
OppFi, Inc (OPFI) held its Q1 2025 earnings call, detailing financial performance and business updates. Further specifics on results were not provided in the excerpt.
Why It Matters
The Q1 2025 earnings call for OppFi, Inc (OPFI) provides insights into financial performance and future projections, influencing stock valuation and investment strategies.
Source: Seeking Alpha
Market Sentiment:
Neutral
Quick Summary
OppFi Inc. has significantly improved its loan performance metrics post-SPAC deal, leading to a notable rise in shares over the past year, with earnings supporting its current valuation.
Why It Matters
OppFi Inc.'s turnaround indicates strong loan performance, enhancing investor confidence. Rising shares and earnings support its valuation, signaling potential for continued growth.
Source: Seeking Alpha
Market Sentiment:
Positive
Quick Summary
OppFi Inc. (NYSE: OPFI) reported record-high quarterly revenue and adjusted net income for Q1 2025, highlighting strong financial performance.
Why It Matters
OppFi's record revenue and adjusted net income highlight strong growth potential, signaling financial health and operational effectiveness, which can attract investor interest and confidence.
Source: Business Wire
Market Sentiment:
Neutral
Frequently Asked Questions About OPFI Stock
What is OppFi Inc.'s (OPFI) stock forecast for 2025?
Based on our analysis of 6 Wall Street analysts, OppFi Inc. (OPFI) has a median price target of $13.25. The highest price target is $13.50 and the lowest is $13.00.
Is OPFI stock a good investment in 2025?
According to current analyst ratings, OPFI has 2 Buy ratings, 0 Hold ratings, and 0 Sell ratings. The stock is currently trading at $11.64. Always conduct your own research and consider your investment goals before making investment decisions.
What is the long-term price prediction for OPFI stock?
Wall Street analysts predict OPFI stock could reach $13.25 in the next 12 months. This represents a 13.8% increase from the current price of $11.64. Please note that this is a projection by Wall Street analysts and not a guarantee.
What is OppFi Inc.'s business model?
OppFi connects underserved individuals with accessible credit through its financial technology platform. The company generates revenue by facilitating loans and charging interest, focusing on responsible lending practices to improve customers' financial health.
What is the highest forecasted price for OPFI OppFi Inc.?
The highest price target for OPFI is $13.50 from David Scharf at JMP Securities, which represents a 16.0% increase from the current price of $11.64.
What is the lowest forecasted price for OPFI OppFi Inc.?
The lowest price target for OPFI is $13.00 from at , which represents a 11.7% increase from the current price of $11.64.
What is the overall OPFI consensus from analysts for OppFi Inc.?
The overall analyst consensus for OPFI is bullish. Out of 6 Wall Street analysts, 2 rate it as Buy, 0 as Hold, and 0 as Sell, with a median price target of $13.25.
How accurate are OPFI stock price projections?
Stock price projections, including those for OppFi Inc., are based on various factors including financial models, market conditions, and analyst forecasts. While these predictions provide valuable insights, they should be considered alongside your own research and risk tolerance.
Important Disclaimer
The information provided by Ticker Nerd is for educational and informational purposes only. It should not be considered financial or investment advice. Past performance is not indicative of future results. Always conduct your own research and consult with a qualified financial advisor before making any investment decisions. Analyst ratings and price forecasts are sourced from Wall St analysts and other experts. These projections are speculative and do not guarantee future stock performance.
Last updated: May 12, 2025 10:49 AM UTC