OPFI trades at a steep discount to peers as record Q3 performance, higher 2025 guidance and lower funding costs fuel a potential value play.
Here is how OppFi Inc. (OPFI) and Veralto (VLTO) have performed compared to their sector so far this year.
OPFI and RNR made it to the Zacks Rank #1 (Strong Buy) value stocks list on December 9, 2025.
OppFi is undervalued despite strong growth, earnings beats, and raised guidance, with shares trading at just 6.5x 2025 expected earnings. OPFI's tech-driven lending platform drives efficiency, with 79% of applicants approved automatically and nearly half of new loans to first-time customers. Regulatory risk, especially from California's AB 539, and credit quality remain key concerns, but OPFI's risk management and improved underwriting bolster confidence.
OPFI's YTD jump, efficiency gains and repeated guidance hikes sharpen its appeal for value-focused investors.
OPFI's tech-driven automation cuts costs and lifts Q3 profitability, with rising approvals powering stronger full-year income guidance.
The average of price targets set by Wall Street analysts indicates a potential upside of 48.6% in OppFi (OPFI). While the effectiveness of this highly sought-after metric is questionable, the positive trend in earnings estimate revisions might translate into an upside in the stock.
OPFI and NU post strong Q3 gains, with rising demand, sharper profitability and expanding credit driving the fintech face-off.
OPFI's rising originations lift revenues, while shifting credit metrics and a higher income outlook sharpen focus on loan quality.
OppFi (OPFI) possesses solid growth attributes, which could help it handily outperform the market.
OPFI raises its 2025 EPS outlook after strong quarterly gains, improved credit trends and confidence in Model 6's predictive power.
OppFi Inc. OPFI shares have jumped 45.5% in a year. This impressive growth outpaced the 11.1% decline of its industry and the 14.1% rally of the Zacks S&P 500 Composite.