OppFi, Inc. (OPFI)

OppFi's stock price has declined approximately 18.00% in the past six months. However, the company reported strong financial performance in Q4 and full-year 2025, showcasing record-breaking profitability, revenue, and adjusted net income, leading to increased full-year guidance for 2026. The stock rose 3.26% in premarket trading following this announcement. Similar results were reported in Q3 2025. OppFi strategically repurchased shares of its Class A common stock during both the third and fourth quarters of 2025. A non-cash gain in GAAP net income was attributed to warrant revaluation.

OppFi's business experiences demand seasonality, with the lowest charge-offs as a percentage of revenue typically occurring in the second and third quarters. Ending receivables have also shown a seasonal sequential decline. OppFi utilizes dynamic seasonal modeling to mitigate exposure during periods of economic volatility. The broader financial sector generally exhibits seasonal strength from November 22 to April 13.

OppFi, Inc. is a tech-enabled specialty finance platform partnering with community banks to broaden credit access for everyday Americans, especially near-prime consumers. It operates in the Financial Services sector, offering unsecured installment loans (OppLoans), payroll deduction secured installment loans (SalaryTap), and the OppFi Card credit card. The company uses data analytics and machine learning to assess credit risk and deliver personalized loan products.

OppFi serves customers across all 50 states in the United States and is headquartered in Chicago, Illinois.

OppFi maintains a strong brand reputation with high customer satisfaction, holding a 4.6/5.0 star rating on Trustpilot, a 4.4/5.0 star rating on Trustpilot, a 4.8 Google rating, and an A+ rating from the Better Business Bureau. Its Net Promoter Score (NPS) was 78 for the year ended December 31, 2024, indicating a high likelihood of customers recommending its products or services.

OppFi's ownership includes institutional shareholders holding between 10.08% and 25.37% of the stock, and insiders holding between 72.00% and 226.45%. Todd G. Schwartz is the largest individual shareholder, owning 154.08 million shares, representing 181.00% of the company. Major institutional owners include Wellington Management Group LLP, BlackRock, Inc., Vanguard Group Inc., UBS Group AG, and Morgan Stanley.