OppFi Inc. (OPFI) came out with quarterly earnings of $0.46 per share, beating the Zacks Consensus Estimate of $0.31 per share. This compares to earnings of $0.33 per share a year ago.
OppFi's niche subprime strategy and rising earnings contrast with SoFi Technologies' scale-driven growth and expanding profitability. Let us determine which fintech stock looks stronger now.
OPFI's 104% yearly surge, solid risk controls and discounted valuation tempt investors. Let us determine whether it is time to buy, sell or hold.
OPFI's NCO rate keeps falling as AI-driven underwriting and risk strategies fuel record revenues and profit growth.
OPFI's customer-first model, AI-driven approvals and rising guidance showcase its long-term growth momentum.
OppFi raises the bar with a new 2025 EPS target, backed by soaring adjusted net income growth.
The mean of analysts' price targets for OppFi (OPFI) points to a 36.1% upside in the stock. While this highly sought-after metric has not proven reasonably effective, strong agreement among analysts in raising earnings estimates does indicate an upside in the stock.
OppFi delivered another strong quarter, with revenue and EPS beating expectations, driven by improved underwriting and the proprietary Model 6 credit software. The Model 6 platform has enabled larger, higher-quality loans, while reducing net charge-offs, supporting both growth and profitability improvements. Risks remain around credit quality and competition, but ongoing operational success and valuation make OppFi an attractive small-cap opportunity.
OppFi (OPFI) could produce exceptional returns because of its solid growth attributes.
OPFI delivered strong Q2 results with 12.8% revenue growth, improved credit quality, and robust adjusted profitability despite macroeconomic headwinds. AI-driven Model 6 is a key growth engine, automating 80% of loan approvals, reducing costs, and lowering credit losses, supporting future scalability. Valuation remains attractive versus peers with low P/E and price/sales multiples, and the company offers special dividends, enhancing shareholder appeal.
OppFi (OPFI) might move higher on growing optimism about its earnings prospects, which is reflected by its upgrade to a Zacks Rank #2 (Buy).
OppFi Inc. (NYSE:OPFI ) Q2 2025 Earnings Conference Call August 6, 2025 9:00 AM ET Company Participants Mike Gallentine - Corporate Participant Pamela D. Johnson - CFO & Chief Accounting Officer Todd G.