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Upturn AI SWOT - About
OppFi Inc (OPFI)
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Upturn Advisory Summary
04/01/2025: OPFI (5-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Outstanding Performance
These Stocks/ETFs, based on Upturn Advisory, have historically outperformed the market, making them a top-tier choice for investors.
AI Based Fundamental Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Analysis of Past Performance
Type Stock | Historic Profit 74.12% | Avg. Invested days 34 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  4.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.02B USD | Price to earnings Ratio 26.57 | 1Y Target Price 13 |
Price to earnings Ratio 26.57 | 1Y Target Price 13 | ||
Volume (30-day avg) 1567842 | Beta 1.66 | 52 Weeks Range 2.28 - 17.73 | Updated Date 04/1/2025 |
52 Weeks Range 2.28 - 17.73 | Updated Date 04/1/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 0.35 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Earnings Date
Report Date 2025-03-05 | When After Market | Estimate 0.1467 | Actual 0.23 |
Profitability
Profit Margin 2.62% | Operating Margin (TTM) 35.41% |
Management Effectiveness
Return on Assets (TTM) 13.49% | Return on Equity (TTM) 39.15% |
Valuation
Trailing PE 26.57 | Forward PE 8.69 | Enterprise Value 496016272 | Price to Sales(TTM) 3.7 |
Enterprise Value 496016272 | Price to Sales(TTM) 3.7 | ||
Enterprise Value to Revenue 0.94 | Enterprise Value to EBITDA 1.61 | Shares Outstanding 110000000 | Shares Floating 22675945 |
Shares Outstanding 110000000 | Shares Floating 22675945 | ||
Percent Insiders 6.96 | Percent Institutions 52.47 |
Analyst Ratings
Rating 4.5 | Target Price 9 | Buy 1 | Strong Buy 1 |
Buy 1 | Strong Buy 1 | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
OppFi Inc
Company Overview
History and Background
OppFi Inc., formerly known as FG New America Acquisition Corp, was founded in 2012. It is a financial technology platform that powers banks to help everyday consumers gain access to credit. The company went public via a SPAC merger in July 2021.
Core Business Areas
- OppFi Lending Platform: Provides technology and analytics to community banks to enable them to offer installment loans to consumers.
- SalaryTap: An earned wage access platform that allows employees to access a portion of their earned but unpaid wages before payday.
Leadership and Structure
Todd Schwartz is the Executive Chairman. The organizational structure is functional, with departments focusing on technology, marketing, finance, and operations.
Top Products and Market Share
Key Offerings
- OppLoans: Installment loans offered through bank partners using OppFi's platform. Competitors include Upstart (UPST), LendingClub (LC), and OneMain Financial (OMF). Market share data is difficult to determine precisely due to the diverse nature of the lending market, but revenue from OppLoans is a significant portion of OppFi's total revenue.
- SalaryTap: Earned wage access solution. Competitors include DailyPay and PayActiv. This product is relatively newer, so market share is still developing. Number of users and revenue figures are growing.
Market Dynamics
Industry Overview
The fintech industry is rapidly evolving, with increasing demand for digital lending solutions and earned wage access. Regulatory scrutiny is also increasing.
Positioning
OppFi positions itself as a fintech enabler for community banks, providing technology and analytics to help them serve underserved consumers. Its competitive advantage lies in its proprietary technology platform and data analytics capabilities.
Total Addressable Market (TAM)
The estimated TAM for near-prime lending and earned wage access solutions is significant, potentially exceeding $100 billion annually. OppFi is positioned to capture a portion of this market by partnering with banks and offering innovative financial products.
Upturn SWOT Analysis
Strengths
- Proprietary technology platform
- Data analytics capabilities
- Partnerships with community banks
- Focus on underserved consumers
Weaknesses
- Dependence on bank partners
- Regulatory risk
- Relatively new company
- Higher interest rates on loans
Opportunities
- Expansion into new markets
- Development of new products and services
- Increased adoption of digital lending solutions
- Strategic acquisitions
Threats
- Increased competition
- Changes in regulations
- Economic downturn
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- UPST
- LC
- OMF
- QFIN
Competitive Landscape
OppFi's advantages include its technology platform and focus on underserved consumers. Disadvantages include dependence on bank partners and regulatory risk.
Major Acquisitions
Growth Trajectory and Initiatives
Historical Growth: OppFi has experienced growth in revenue and customer base in recent years.
Future Projections: Analyst estimates project continued growth for OppFi, driven by increased adoption of its lending platform and earned wage access solution.
Recent Initiatives: Recent initiatives include expanding partnerships with community banks and developing new financial products.
Summary
OppFi is a fintech company focusing on providing financial solutions for underserved consumers. Its strengths include a proprietary technology platform and partnerships with community banks. The company faces regulatory risks and competition from larger players. OppFi needs to continue innovating and expanding its partnerships to maintain its growth trajectory.
Similar Companies
- UPST
- LC
- QFIN
- PRCH
Sources and Disclaimers
Data Sources:
- Company Filings
- Market Research Reports
- Analyst Estimates
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Investment decisions should be based on thorough research and consultation with a qualified financial advisor. Market share data is an estimate.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About OppFi Inc
Exchange NYSE | Headquaters Chicago, IL, United States | ||
IPO Launch date 2020-11-20 | Founder, Executive Chairman & CEO Mr. Todd G. Schwartz | ||
Sector Financial Services | Industry Credit Services | Full time employees 445 | Website https://www.oppfi.com |
Full time employees 445 | Website https://www.oppfi.com | ||
OppFi Inc. operates as a specialty finance platform for community banks to extend credit access in the United States. The company offers installment loans through OppLoans platform. It serves consumers who are turned away by mainstream options. The company was founded in 2012 and is headquartered in Chicago, Illinois.
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