Zacks Investment Research
05 Jan 2026, 18:55 UTC · 38w ago
Verdict
Headline takes no side. We score OPFI +0.90 across five claims — strongly bullish.
+0.90strongly bullish
More positive than 96% of ticker scores this week
What the story claims
5 claims · scored −1 bearish … +1 bullish
OppFi Inc. (OPFI) raised its 2025 adjusted net income guidance to $137-$142 million from $125-$130 million.
More positive than 93% of claims this week
OPFI's adjusted net income grew 82.7% for the nine months ended September 30, 2025.
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Scored by the NIS engine · methodology.
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More positive than 87% of claims this week
Net charge-offs as a percentage of total revenues decreased by 430 basis points for the period ending September 30, 2025.
So whatImproved credit quality and lower default rates reduce risk profiles for lenders, which is a critical fundamental driver for financial stocks.
More positive than 79% of claims this week
OPFI is trading at 6.04x forward EPS and 5.07x EV/EBITDA, significantly below industry averages of 20.5x and 11.21x respectively.
So whatWhile suggesting undervaluation, a deep discount compared to peers can either signal a value opportunity or inherent risks that the market is pricing in.
More positive than 66% of claims this week
Total net originations for OPFI increased 5.2% sequentially and 12.5% year-over-year in Q3 2025.
More positive than 54% of claims this week
Which stocks this story touches
More positive than 96% of ticker scores this week
The company shows strong revenue growth, improving credit quality, surging adjusted net income, and is noted as being significantly undervalued.
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GlobeNewsWire
14h ago
−40.6%
Price is moving against the score
$6.12 vs $10.30 close before publication (Jan 2) · not market-adjusted
OPFI chart →
