OppFi, Inc. (OPFI)

OppFi's stock has been positively impacted by strong financial performance and strategic initiatives. In Q2 2025, OppFi reported record total revenue of $142.4 million and record adjusted net income of $39.4 million, leading to a surge in premarket trading. OppFi increased its share repurchase program by $20 million, signaling management's belief that the stock was undervalued. In Q3 2025, OppFi reported record quarterly revenue of $155.1 million and record adjusted net income of $40.7 million, raising its full-year 2025 guidance for revenue, adjusted net income, and adjusted EPS for the third time. While total net originations rose, there was a slight increase in net charge-offs, but management stated this risk was appropriately priced into the loans. The company is advancing its Model 6.1 credit model and LOLA origination system to enhance risk pricing.

OppFi's business experiences demand seasonality, with charge-offs as a percentage of revenue typically lowest in the second and third quarters and then elevating in other quarters. This indicates that demand for their products and services, and consequently the associated credit risk, can fluctuate throughout the year.

OppFi, Inc. is a fintech company founded in 2013 that specializes in consumer lending solutions, operating in the consumer finance sector. Its core mission is to provide accessible credit products to underserved consumers who often lack access to traditional banking services. OppFi uses a technology-driven platform with AI and ML models to assess borrower risk and streamline the lending process. The company's major products include OppLoans installment loans, SalaryTap payroll-deduction loans, and the OppFi Card credit card, generating revenue through interest and fees on these loans.

OppFi serves over 1.5 million customers across the United States and is headquartered in Chicago, Illinois.

OppFi maintains a strong brand reputation, particularly for its commitment to customer service and financial inclusion. The company holds a high rating on Trustpilot, with ratings between 4.4/5.0 and 4.6/5.0 stars based on over 3,700 to 5,200 reviews, positioning it among the top consumer-rated financial platforms online. OppFi emphasizes responsible lending and utilizes technology to streamline the borrowing process and enhance financial wellness for underserved individuals.

OppFi Inc.'s ownership includes a significant portion held by institutional investors, accounting for approximately 55% of total shares outstanding. Major institutional shareholders include BlackRock, Inc., Vanguard Group Inc., and Millennium Management Llc. Individual insider ownership is also substantial, with key figures including Todd G. Schwartz, Theodore G. Schwartz, and Jared Kaplan holding significant stakes, with Todd G. Schwartz being the largest individual shareholder.