Azioni OppFi Inc. (OPFI) — è una buona azienda?

Azioni OppFi Inc. (OPFI) — è una buona azienda? — InspectStocks

Just reported

Q3 2026 results

From OppFi's results release of 28 ottobre 2026; its quarterly report has since been filed.

Revenue
Actual
92,8M USD
-11% y/y
+7,6% q/q
Guided
—
No guide given
EPS, GAAP
Actual
0,40 USD
-48% y/y
+122% q/q
Guided
—
No guide given
Operating income, GAAP
Actual
37M USD
-24% y/y
+52% q/q
Guided
—
No guide given

Set against the company's own guidance and the same quarter a year earlier, not analysts' estimates, which we do not hold. Adjusted figures are the company's own non-GAAP measures, as stated in the release.

Come guadagna

Interest on finance receivables
Servicing, referral, and deposit interest

Compete con

Che cosa vende4

OppLoans installment loans
Online, fixed-payment personal loans for consumers who may not qualify for credit from mainstream lenders. Payments are reported to the major credit bureaus.
OppFi TurnUp
A service that checks whether eligible applicants can find lower-cost loan offers from other lenders before their application is considered through OppFi's bank partners.
OppU
Free online lessons about building credit, budgeting, and managing personal finances.
Bitty small-business financing
Revenue-based financing and other working-capital funding for small businesses, provided by Bitty, in which OppFi holds an equity interest.

Chi lo compra3

Consumers in the United States who apply online for installment loans, often after being turned down for credit elsewhere.
Partner banks that use OppFi's marketing, application technology, credit assessment, and loan-servicing services.
Small businesses seeking working capital through Bitty.

Su cosa si regge e cosa potrebbe romperlo

Da che cosa dipende l'attività

1OppFi relied on three bank partners—FinWise Bank, First Electronic Bank, and Capital Community Bank—to originate loans through its platform in 2025; disruption to these relationships could affect lending and revenue.
2Strategic marketing partners generated 80.6% of new platform loans (year ended December 31, 2025, high confidence), making applicant acquisition partly dependent on those relationships.
3Credit decisions use information from applicants, bank transactions, credit bureaus, and other data providers; inaccurate data or loss of access could affect lending decisions.
4Loan payments and collections rely on electronic transfers from borrowers' bank accounts.

Che cosa potrebbe andare storto

1OppFi depends on its bank partners to originate loans. A partner ending or restricting its relationship, or a legal challenge to the bank-partner lending model, could reduce lending or make loans harder to collect.
2Borrower repayment and loan values can change with economic conditions. Net charge-offs were 53.8% of average receivables on an annualized basis (six months ended June 30, 2026, high confidence), and losses can rise if borrowers repay less than expected.
3Federal and state lending, consumer-protection, and licensing rules apply to OppFi and its bank partners. Changes in rules or regulators' interpretation of the bank-partner model could require changes to loan terms or where loans can be offered.

Bilanci completi →

Informazioni su OppFi Inc.

Consumers apply online for installment loans, which are generally used for expenses such as car repairs, medical bills, and housing costs. Partner banks originate and initially fund the loans; OppFi handles applicant marketing, credit decisions, and loan servicing, and acquires participation rights in some loans. OppFi also owns a 35% interest (June 30, 2026, high confidence) in Bitty, which provides small businesses with revenue-based financing and other working-capital funding.

Sede: Chicago, Illinois
Fondata nel: 2015 (OppFi-LLC formed; high confidence)
Dipendenti: Approximately 410 (December 31, 2025, high confidence)
Quotata su: NYSE
Chiusura dell'esercizio: December 31

Costruito dai documenti depositati da OppFi Inc. presso la Securities and Exchange Commission (SEC), l’autorità di vigilanza statunitense. Le cifre sono quelle dichiarate, con lo storico per azione ricalcolato sulla base azionaria di oggi. Questo descrive un’azienda: non è consulenza finanziaria né una raccomandazione di acquisto o vendita.

Just reported

Q3 2026 results

From OppFi's results release of 28 ottobre 2026; its quarterly report has since been filed.

Revenue
Actual
92,8M USD
-11% y/y
+7,6% q/q
Guided
—
No guide given
EPS, GAAP
Actual
0,40 USD
-48% y/y
+122% q/q
Guided
—
No guide given
Operating income, GAAP
Actual
37M USD
-24% y/y
+52% q/q
Guided
—
No guide given

Keep exploring

The themes OppFi is part of, the highest-graded companies in its industry, and the companies in its sector whose grade rose recently.

Highest-graded in Credit Services

Graded A or B and worth $2B or more: A first, then the largest.

All 51 graded companies in its industry

Grade rose recently in Financials

Rose to A or B on a filing in the last 90 days, worth $2B or more: largest first.

All grade rises

Come guadagna

Interest on finance receivables
Servicing, referral, and deposit interest

Compete con

Che cosa vende4

OppLoans installment loans
Online, fixed-payment personal loans for consumers who may not qualify for credit from mainstream lenders. Payments are reported to the major credit bureaus.
OppFi TurnUp
A service that checks whether eligible applicants can find lower-cost loan offers from other lenders before their application is considered through OppFi's bank partners.
OppU
Free online lessons about building credit, budgeting, and managing personal finances.
Bitty small-business financing
Revenue-based financing and other working-capital funding for small businesses, provided by Bitty, in which OppFi holds an equity interest.

Chi lo compra3

Consumers in the United States who apply online for installment loans, often after being turned down for credit elsewhere.
Partner banks that use OppFi's marketing, application technology, credit assessment, and loan-servicing services.
Small businesses seeking working capital through Bitty.