OppFi: Q4 Delivers An Inflection Point
I maintain a "Strong Buy" rating on OppFi Inc. due to its strategic investment in Bitty Holdings and potential for significant margin expansion. Q4 2024 results exceeded expectations, with revenue and adjusted EPS beating consensus, and notable improvements in net income margins and credit quality. OppFi's FY2025 guidance suggests continued growth, with projected revenue of $563-594 million and adjusted EPS of $1.06-1.07, aligning with consensus.
OppFi, Inc (OPFI) Q4 2024 Earnings Call Transcript
OppFi, Inc (NYSE:OPFI ) Q4 2024 Earnings Conference Call March 5, 2025 9:00 AM ET Company Participants Mike Gallentine - Head of IR Todd Schwartz - Executive Chairman, Director & CEO Pamela Johnson - CFO Conference Call Participants David Scharf - Citizens Mike Grondahl - Northland Securities Dave Storms - Stonegate Capital Partners Operator Good morning, and welcome to OppFi's Fourth Quarter 2024 Earnings Conference Call. All participants are in a listen-only mode.
OppFi Inc. (OPFI) Q4 Earnings and Revenues Top Estimates
OppFi Inc. (OPFI) came out with quarterly earnings of $0.23 per share, beating the Zacks Consensus Estimate of $0.14 per share. This compares to earnings of $0.10 per share a year ago.
OppFi: Leveraged For Increased Lending
OppFi is a digital subprime lender with competitive advantages in credit-scoring technology and a user-friendly platform. The company faced challenges due to inflation, impacting earnings in 2022-2023, but is expected to resume loan growth in 2025 with a 20% EPS expansion. OPFI is undervalued at 8x P/E, with potential for multiple expansion to 10x as it restarts lending growth and improves profitability.
OppFi Stock Skyrockets 195% in 6 Months: How Should Investors Play?
Given OPFI's price surge, we evaluate its current position to determine whether investors should buy, hold or sell the stock.
OppFi Stock Deserves A Strong Buy On Its Dip
OppFi is a specialty finance firm with a $1.12 billion market cap, focusing on underserved American populations, with a market of more than 60 million consumers. Despite minimal net sales growth, OppFi's adjusted net income surged 116.2% YoY in Q3, driven by expansive margin growth and better unit economics metrics. The firm's better cost control and ongoing strategies to attract and onboard new customers will likely remain the fundamental driver of its future revenue growth and margin stability.
OppFi Stock: Why I'm Buying This Dip
OppFi Inc. targets underserved populations with financial products, showing impressive net income growth and operational efficiency improvements in Q3 FY2024. Despite a slight revenue growth, OPFI's net income surged by 106.4% YoY, driven by cost management and improved credit quality. If my assumption is close to being true regarding 15-20% in net adjusted margin on the consensus revenue, then the OPFI stock is an easy double from today's $15-16/share.
OppFi (OPFI) is on the Move, Here's Why the Trend Could be Sustainable
If you are looking for stocks that are well positioned to maintain their recent uptrend, OppFi (OPFI) could be a great choice. It is one of the several stocks that passed through our "Recent Price Strength" screen.
OppFi (OPFI) Moves 11.1% Higher: Will This Strength Last?
OppFi (OPFI) was a big mover last session on higher-than-average trading volume. The latest trend in earnings estimate revisions might not help the stock continue moving higher in the near term.
OppFi Inc. (OPFI) Hit a 52 Week High, Can the Run Continue?
OppFi (OPFI) is at a 52-week high, but can investors hope for more gains in the future? We take a look at the company's fundamentals for clues.
OppFi: The Opportunity Is Here And Upside Is Waiting
OppFi Inc. has remained under the radar for several years, though a recent breakout has started to gain investor interest. The company has significantly improved its financial standing, including a more efficient expense base and lower net charge-offs. Valuation remains attractive with a forward P/E multiple of around 11x estimated 2025 EPS, suggesting potential for further stock price appreciation.
