Summary
OppFi's Guidance Cut Has Created Opportunity
OppFi trades at a steep discount, with shares at 4.37x forward non-GAAP earnings—over 60% below the sector median—despite resilient revenue and free cash flow growth. OPFI management tightened underwriting, sacrificing short-term volume for portfolio quality, margin stability, and long-term profitability, as evidenced by improved recoveries and disciplined expense control. The BNC National Bank acquisition is expected to be financially transformative, expanding OPFI's platform, boosting adjusted EPS by 25% in year one, and targeting 10% ROA and 35% ROE by 2028.
OppFi Inc. (OPFI) Q2 2026 Earnings Call Transcript
OppFi Inc. (OPFI) Q2 2026 Earnings Call Transcript
OppFi Q2 Earnings Call Highlights
OppFi NYSE: OPFI reported second-quarter 2026 revenue growth but lower adjusted earnings as the consumer lending platform invested in new products, technology infrastructure and its planned acquisition of BNC National Bank.
OppFi Inc. Investors
| Name | Quantity | Cost | Value | Profit ($) | Gain (%) |
|---|---|---|---|---|---|
 Curtis Ellergodt Rothschild Investment LLC | 12 | $168 | $87.84 | -$80.16 | -47.71% |
| NA Nizar Araji National Bank Of Canada /FI/ | 52 | $516.36 | $488.28 | -$28.08 | -5.44% |
| SN Stephanie Nee HARBOR CAPITAL ADVISORS Inc. | 857 | $6,110.48 | $8,055.8 | $1,945.32 | 31.84% |
| JRP Jay R. Petschek Corsair Capital Management LP | 1.05M | $10.39M | $7.54M | -$2.85M | -27.44% |
| RR rosemary richard WCG Wealth Advisors LLC | 124,690 | $1.34M | $902,132.15 | -$435,203.58 | -32.54% |
OppFi Inc. (OPFI) FAQ
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OppFi Inc. Profile
| Software Industry | Information Technology Sector | Todd G. Schwartz CEO | NYSE Exchange | 68386H103 CUSIP |
| US Country | 410 Employees | 8 Apr 2025 Last Dividend | - Last Split | 20 Nov 2020 IPO Date |
Overview
OppFi Inc. is a distinguished company that has positioned itself as a key player in the specialty finance sector. Since its inception in 2012, OppFi has been committed to providing innovative financial solutions through its comprehensive platform, which empowers partner banks to extend credit access to a broader audience. With its headquarters established in Chicago, Illinois, the company has continued to expand its reach and refine its offerings, demonstrating a steadfast commitment to financial inclusivity and technological innovation.
Products and Services
OppFi Inc. offers a range of products designed to meet the diverse financial needs of its customers. These include:
- OppLoans: This is an installment loan product facilitated through OppFi's platform. OppLoans are tailored to provide customers with a flexible, straightforward loan repayment plan. This product stands out for its emphasis on transparency and affordability, aiming to offer a more accessible financial solution for those in need.
- SalaryTap: A unique offering in the form of a payroll deduction secured installment loan product. SalaryTap leverages an innovative approach by integrating loan repayments directly with the borrower’s payroll system. This ensures a streamlined repayment process, reducing the risk of default by aligning loan obligations with the borrower’s income flow.
- OppFi Card: Expanding beyond loan products, OppFi Inc. has introduced a credit card offering. The OppFi Card is designed to cater to the financial flexibility needs of its users, providing them with a convenient and reliable form of payment. This product aims to bridge the gap for those who may be underserved by traditional credit systems, offering an opportunity to build or improve credit scores through responsible use.
