Oppfi, Inc.

OppFi serves a market of 48 million credit-insecure Americans, and the whole company is worth about $705 million.

If you own OppFi, you own a lender selling access to credit where banks keep saying no.

opfi

financials small cap updated jan 16, 2026
$10.50
market cap ~$705M · 52-week range $8–$15
xvary composite: 47 / 100 · below average
our overall rating — combines growth, value, risk, and momentum
Start here if you're new
what it is
OppFi uses bank partners and software to make loans to Americans mainstream lenders usually reject.
how it gets paid
Last year Oppfi made $597M in revenue. OppLoans installment loans was the main engine at $507.5M, or 85% of sales.
why it's growing
Revenue grew 13.5% last year. Trailing revenue reached $597 million, up 13.5% vs. prior year.
what just happened
OppFi posted $438M in quarterly revenue and $0.36 in EPS, showing demand stayed hot even as earnings cooled vs. prior year.
At a glance
B balance sheet — gets the job done, barely
9.2% return on capital — nothing to write home about
$0.36 fy2024 eps est
$322M fy2024 rev est
27.9% operating margin
xvary composite: 47/100 — below average
What they do
OppFi uses bank partners and software to make loans to Americans mainstream lenders usually reject.
Big banks reject a lot of people. OppFi is built around the 48 million Americans who face credit insecurity. If your credit file gets you shrugged off elsewhere, speed and approval matter more than branding, and that gives OppFi room to charge for access.
financials small-cap consumer-lending credit-access fintech
How they make money
$597M annual revenue · their business grew +13.5% last year
OppLoans installment loans
$507.5M
SalaryTap payroll-linked loans
$53.7M
OppFi Card
$23.9M
Platform and servicing revenue
$11.9M
The products that matter
originates non-prime installment loans
OppLoans
$597M · +13.5% growth
It's the business. OppLoans generated $597M in revenue last year, up 13.5%, which means your exposure is concentrated in a single lending product.
nearly the entire company
Key numbers
$597M
ttm revenue
This is the scale you own right now. Against a roughly $705 million market cap, the company trades at about 1.2 times revenue.
48M
target customers
That is the number of Americans management says face credit insecurity, so OppFi does not need mass-market approval to find borrowers.
27.9%
operating margin
Operating margin means profit after running the business but before interest and taxes, so what you care about is simple: this lender is already producing real operating profit.
$326M
long-term debt
Debt equals money borrowed to fund the business, so what you care about is this: creditors have a big claim ahead of you if credit conditions worsen.
Financial health
B
strength
  • balance sheet grade B — adequate — nothing special
  • risk rank 3 — safer than 50% of stocks
  • price stability 5 / 100
  • long-term debt $326M (32% of capital)
B — functional but not a standout on the balance sheet.
Total return vs. market

Return history isn't available for OPFI right now.

same standard. no invented return math.

source: institutional data · return history unavailable
What just happened
beat estimates
OppFi posted $438M in quarterly revenue and $0.36 in EPS, showing demand stayed hot even as earnings cooled vs. prior year.
Trailing revenue reached $597 million, up 13.5% vs. prior year. Quarterly EPS of $0.36 was down 53% vs. prior year, which is the quiet part here: volume is growing faster than predictability.
$438M
revenue
$0.36
eps
27.9%
operating margin
the number that mattered
The number that mattered was $438 million in quarterly revenue, because it shows borrower demand is not OppFi's problem. Holding margin is.
source: company earnings report, 2026

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What could go wrong

the #1 risk is regulatory or credit deterioration in non-prime installment lending.

!
high
The entire $597M revenue base sits in one lending product
OppLoans is the business. That concentration keeps the story simple and makes the risk simple too. If rules change or credit performance worsens, the whole model feels it at once.
OppLoans is the business. That concentration keeps the story simple and makes the risk simple too. If rules change or credit performance worsens, the whole model feels it at once.
∘
med
LOLA platform migration has to earn its keep
The planned Q3 2026 migration is supposed to improve automation and efficiency. If it runs late or breaks workflows, you do not get the margin help the story implies.
The planned Q3 2026 migration is supposed to improve automation and efficiency. If it runs late or breaks workflows, you do not get the margin help the story implies.
∘
med
$326M in long-term debt limits room for error
Long-term debt equals 32% of capital. That is manageable on paper, but lenders do not get many free mistakes when funding costs or charge-offs move the wrong way.
Long-term debt equals 32% of capital. That is manageable on paper, but lenders do not get many free mistakes when funding costs or charge-offs move the wrong way.
~
low
The snapshot's own valuation fields disagree
One part of the page shows 10.6x trailing earnings. Another shows 61.8x. When the valuation inputs conflict, your margin of safety depends even more on operating results than on neat multiple math.
One part of the page shows 10.6x trailing earnings. Another shows 61.8x. When the valuation inputs conflict, your margin of safety depends even more on operating results than on neat multiple math.
Because installment loans drive nearly all $597M of revenue, a bad credit turn or rule change would pressure the entire business, not just a side segment.
source: institutional data · regulatory filings · risk analysis
Pay attention to
metric
$650M–$675M annual revenue guidepost
That is the revenue range referenced around the next earnings cycle. If management cannot track toward it, the record-profit narrative gets a lot less convincing.
calendar
Q3 2026 LOLA migration
This is the key operational milestone on the page. If the migration lands cleanly, the tech story gains credibility. If it slips, investors will notice.
risk
credit and regulatory pressure on non-prime loans
A shift here does not hit a small division. It hits the whole $597M platform. That makes external conditions just as important as management execution.
trend
whether the 46.3% operating margin is real or peak
Margins this high deserve skepticism until they repeat. If they hold, the stock gets more interesting. If they fade, a lot of the appeal fades with them.
Analyst rankings
coverage depth
thin
in human-speak, not many analysts are doing free public hand-holding on this one.
trading profile
volatile
Price stability is 5 / 100. Translation: this does not trade like a sleepy lender.
source: institutional data
Institutional activity

institutional ownership data for OPFI is being compiled.

source: institutional data
source: institutional data
Price targets
3-5 year target range
n/a n/a
$10 current price
n/a target midpoint · n/a from current
target data not available

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