OPFI
TechnologyOppFi Inc. · Software - Application · $700M
What is OppFi Inc.?
OppFi Inc. is a Chicago-based financial technology company that partners with banks to extend credit to everyday consumers who are underserved by traditional lenders.
OppFi's platform enables bank partners to offer installment loans and credit card products to borrowers who typically fall outside mainstream credit criteria. The company earns revenue through its technology infrastructure and loan facilitation services, positioning itself at the intersection of fintech and consumer lending.
OppFi was incorporated in 2020 and is headquartered in Chicago, Illinois.
- OppLoan installment loan product
- SalaryTap payroll deduction secured installment loan
- OppFi Card credit card product
Is OPFI a Good Stock to Buy?
UQS Score rates OPFI as Good overall.
OppFi's Quality and Valuation pillars stand out — the business demonstrates reasonable operational quality and the stock currently screens as Attractive on valuation relative to peers.
The Moat pillar registers as Weak, reflecting limited competitive differentiation in a crowded consumer lending space.
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Past performance does not guarantee future results. UQS Score is based on fundamental data and is not a buy/sell recommendation.
Does OPFI pay dividends?
Yes — OppFi Inc. pays a dividend.
OppFi pays a regular dividend, which is relatively uncommon among small-cap fintech companies. This suggests management is returning capital to shareholders alongside reinvesting in platform growth — a factor worth weighing in any income-oriented portfolio review.
When does OPFI report earnings?
OppFi reports earnings on a quarterly cadence, consistent with standard US-listed equity practice.
The company's Growth and Risk pillars both land at Neutral, suggesting a business that is progressing steadily without dramatic acceleration or deterioration. Loan volume trends and credit performance remain the key variables to watch each quarter.
For the most recent quarter's results, visit OppFi's investor relations page directly.
OPFI Price History
-9.4% over 5Y
Monthly close, adjusted for stock splits and dividend reinvestment.
What if I invested in OppFi Inc.?
Based on OppFi Inc.'s historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.
Frequently Asked Questions
What does OppFi do?
OppFi operates a fintech platform that allows bank partners to offer installment loans and credit card products to underserved consumers. It earns revenue by facilitating these lending products rather than holding all loans on its own balance sheet.
Does OPFI pay dividends?
Yes, OppFi pays a regular dividend. This is notable for a small-cap fintech company and may appeal to investors seeking some income alongside growth exposure. Check OppFi's investor relations page for the current dividend details.
When does OPFI report earnings?
OppFi follows a standard quarterly earnings cadence for US-listed companies. For the exact schedule and most recent results, refer to OppFi's official investor relations page.
Is OPFI a good stock to buy?
UQS Score rates OPFI as Good overall. The Valuation pillar screens as Attractive and Quality is rated Good, but the Weak Moat rating signals limited competitive insulation. The full pillar breakdown is available to Pro members at uqs-score.com.
Is OPFI overvalued?
Based on the UQS Valuation pillar, OPFI currently screens as Attractive — meaning the stock does not appear expensive relative to its fundamentals. That said, valuation alone does not determine investment suitability.
What is OPFI's market cap bracket?
OppFi is classified as a small-cap company. Small-cap stocks can offer growth potential but typically carry higher volatility and liquidity risk compared to large- or mega-cap peers.
Is OPFI a long-term quality investment?
As a long-term quality indicator, OPFI's Good UQS Score reflects reasonable fundamentals, though the Weak Moat rating suggests the business has not yet established a durable competitive advantage. Long-term durability depends on whether OppFi can deepen its bank partnerships and differentiate its platform.
What sector does OPFI belong to?
OppFi is classified in the Technology sector, specifically operating as a financial technology company. Its business bridges fintech infrastructure and consumer lending, making it relevant to investors tracking both tech and financial services themes.
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Pro Analysis
OPFI — Score History
| Date | UQS | Quality | Moat | Growth | Risk | Value | Change |
|---|---|---|---|---|---|---|---|
| May 17, 2026 | 60.8 | 85.8 | 38.0 | 56.7 | 23.5 | 100.0 | -0.3 |
| May 6, 2026 | 61.1 | 76.2 | 38.0 | 56.9 | 41.3 | 100.0 | +0.7 |
| Apr 2, 2026 | 60.4 | 76.2 | 38.0 | 53.4 | 41.3 | 100.0 | — |
OPFI — Pillar Breakdown
Quality
— 85.8/100 (25%)OppFi Inc. demonstrates outstanding capital efficiency and profitability, placing it among the highest-quality businesses in the market.
How effectively capital is deployed to generate returns.
Profitability relative to shareholders' equity.
Ability to convert revenue into operating profit.
Bottom-line profit as a share of revenue.
Asset productivity — how much gross profit each dollar of assets generates.
Free cash flow relative to market value.
Growth
— 56.7/100 (20%)OppFi Inc. demonstrates healthy growth trends across revenue and earnings.
Revenue trajectory over the last twelve months.
Compound annual revenue growth rate over 3 years.
Year-over-year earnings per share growth.
Analyst consensus for future revenue growth.
Analyst consensus for future earnings growth.
Risk
— 23.5/100 (15%)OppFi Inc. presents elevated risk with concerns around leverage or financial stability.
Debt levels relative to earnings capacity.
Total debt relative to shareholder equity.
Short-term liquidity — ability to pay near-term obligations.
Earnings capacity relative to interest payments.
Valuation
— 100.0/100 (15%)OppFi Inc. appears attractively valued relative to its earnings, cash flows, and sector peers.
Inverse of forward P/E — higher yield means cheaper stock.
How many years of FCF the market cap represents.
P/E relative to earnings growth — lower is more attractive.
Enterprise value multiple relative to sector median.
Moat
— 38/100 (25%)OppFi Inc. possesses some competitive advantages but faces meaningful competition. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for OPFI.
Score Composition
Financial Data
More Stock Analysis
How is the OPFI UQS Score Calculated?
The UQS (Unified Quality Score) for OppFi Inc. is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.
Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.
Moat (25%) assesses OppFi Inc.'s competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.
Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.
Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.
Valuation (15%) measures whether OppFi Inc. is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.
Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.