OppFi, Inc. (OPFI)

OppFi's stock has experienced several notable events in the past six months. The stock price saw a significant increase of 79.64% from October 22, 2024, to October 21, 2025, and an 88.9% rise over the year as of October 27, 2025. OppFi secured a new $150 million revolving credit facility with improved terms on October 2, 2025. In August 2025, the company increased its share repurchase program by an additional $20 million, bringing the total authorization to $40 million. On August 6, 2025, OppFi reported record quarterly revenue and adjusted net income for the second quarter and subsequently increased its full-year revenue and adjusted net income guidance. The Q2 2025 earnings call highlighted strong performance, including a 12.8% year-over-year top-line growth and a 13.8% jump in net originations, with an improved loan auto-approval rate of 80%.

OppFi typically experiences significant seasonality in the demand for loans on its platform, with demand generally being lower in the first quarter. The company's profitability has been observed to accelerate towards the end of a quarter, often coinciding with the tax refund season. Market trends indicate a strong and increasing demand for alternative credit sources, especially among consumers with lower credit scores, which is OppFi's target demographic.

OppFi, Inc. is a financial technology company focused on providing credit products and services to underserved Americans. Its core business involves offering personal installment loans through the OppLoans platform, designed for individuals with limited access to conventional banking services. The company leverages technology to assess borrower risk and streamline the lending process, emphasizing responsible lending and financial inclusion.

Headquartered in Chicago, Illinois, OppFi serves customers across the United States. The company's growth has been driven in part by its bank partners expanding into additional states.

OppFi maintains a strong brand reputation, particularly through its OppLoans platform, which holds a 4.5/5.0 star rating on Trustpilot based on over 4,900 reviews. The company emphasizes its commitment to financial inclusion, transparency, and providing an exceptional customer experience.

OppFi's ownership structure includes a mix of institutional investors, individual shareholders, and company insiders. Major institutional owners include BlackRock, Inc., Vanguard Group Inc., Millennium Management LLC, Wellington Management Co. LLP, and State Street Corporation. Institutional holdings accounted for approximately 55% of total shares outstanding as of the end of the third quarter of 2023. Prominent individual and insider owners include Todd G. Schwartz, Theodore G. Schwartz, Jared Kaplan, Shiven Shah, Christopher J. McKay, and Salvador Hazday, with Todd G. Schwartz noted as the largest individual shareholder.