OPPFI INC CLASS A (OPFI)
Financials · Specialty consumer finance / fintech lending · NYSE
A fintech-powered lending platform partnering with community banks to provide fair, transparent installment credit and financial education to everyday Americans underserved by mainstream finance.
What OPPFI INC CLASS A does
OppFi is a tech-enabled specialty finance platform that partners with community banks to extend credit access to consumers rejected by traditional lenders. The platform uses proprietary machine learning algorithms and data science to underwrite installment loans averaging $1,950 with 11-month terms, with no fees and transparent APRs. OppFi also offers financial education through partnerships and internal programs to help borrowers build financial health, with payments reported to credit bureaus.
Themes: ["financial inclusion / underserved credit"]
Fundamentals
- Price$9.26 as of 2026-07-09 close
- Market cap$1.3B as of 2026-07-10
- 1-year return-32.4% as of 2026-07-09 close
- P/E20.18 as of 2026-07-10
- Net margin+10.9% as of 2026-07-10
- Gross margin+98.9% as of 2026-07-10
- ROE+134.3% as of 2026-07-10
- Debt / equity3.76 as of 2026-07-10
- Revenue growth (YoY)+12.9% as of 2026-07-10
- Beta1.83 as of 2026-07-10
Dividend: yield +0.5%; 2-year non-decreasing per-share dividend streak (SEC XBRL).
Key risks (from latest filing)
["Regulatory and legislative risks including potential California AB 539 restrictions, ongoing regulatory disputes with California Department of Financial Protection and Innovation, and broader regulatory changes such as the One Big Beautiful Bill Act that could impact business model and lending practices"]
Competitors & peers
- LendingClub
Fundamentals: Finnhub, as of 2026-07-10. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-07-09.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & Finnhub, shown with their as-of date.