OppFi, Inc. (OPFI)

In the past six months, OppFi's stock has been impacted by several events. OppFi reported strong Q3 2025 earnings, with an EPS of $0.46, beating analyst estimates, and raised its full-year revenue and adjusted net income guidance. OppFi announced an increase to its share repurchase program. OppFi reported a 50% EPS surprise and a 13% year-over-year revenue increase in Q2 2025. The company secured a new $150 million revolving credit facility. OppFi plans to roll out its enhanced credit decisioning engine, Model 6.1, in Q4 2025 and fully implement it in Q1 2026. As of February 6, 2026, the closing stock price was $9.07, drifting 8.2% lower since its Q3 2025 earnings announcement. The 52-week high for OppFi's stock price is $17.29, and the 52-week low is $7.54.

OppFi's business experiences seasonality. Charge-offs as a percentage of revenue are typically lowest in Q2 and Q3 and then elevate. The company's models are designed to account for behavioral and seasonal volatility.

OppFi Inc. is a Chicago-based fintech platform established in 2012, focused on providing credit access to underserved Americans. It operates as a tech-enabled specialty finance platform, partnering with community banks and using AI and machine learning for underwriting and risk management. Its major products include OppLoans (unsecured installment loans), SalaryTap (payroll-deduction secured loans), and OppFi Card (revolving credit). OppFi also holds a 35% equity interest in Bitty Holdings, LLC, a credit access company providing small business financing and merchant cash advance products. The company's revenue is primarily generated from interest and fees charged on the loans it facilitates and services through its bank partners.

OppFi delivers secure and compliant credit access across the United States by collaborating with trusted community banks and utilizing data-driven marketing strategies. The company serves customers in all 50 states.

OppFi maintains a strong brand reputation, particularly among its customers. OppLoans by OppFi holds a 4.4/5.0 star rating on Trustpilot based on over 5,200 reviews, positioning the company among the top consumer-rated financial platforms online. Another source indicates a 4.6/5.0 star rating on Trustpilot with more than 3,700 reviews. The company also boasts a high Net Promoter Score (NPS) of 79, indicating a loyal customer base. This positive reputation is attributed to its mission-driven focus on financial inclusion, transparency, responsible lending, and excellent customer experience. No specific negative events significantly impacted OppFi's brand reputation in the past year were found in the provided search results.

OppFi Inc. has a concentrated ownership structure, with corporate insiders holding 72.00% of the ownership as of November 2025. Major institutional owners and shareholders include BlackRock, Inc., Vanguard Group Inc., UBS Group AG, Millennium Management Llc, Wellington Management Group Llp, Morgan Stanley, JPMorgan Chase & Co, Goldman Sachs Group Inc, and Renaissance Technologies Llc. BlackRock, Inc. holds 1,812,234 shares as of September 30, 2025, and Vanguard Group Inc. holds 1,632,612 shares as of December 31, 2025.