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OppFi Inc. OPFI will report first-quarter 2025 results on May 7, before market open.
The Zacks Consensus Estimate for revenues in the to-be-reported quarter is pegged at $137.7 million, suggesting 8.1% growth from the year-ago quarter’s actual. The consensus mark for earnings per share is pegged at 26 cents per share, indicating a more than 100% surge from the year-ago reported figure. Two estimates for the first quarter of 2025 have moved north in the past 60 days versus no southward revision.
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The company has an impressive earnings surprise history. It beat the Zacks Consensus Estimate in the trailing four quarters, delivering an average earnings surprise of 73%.
OppFi Inc. Price, Consensus and EPS Surprise
OppFi Inc. price-consensus-eps-surprise-chart | OppFi Inc. Quote
OPFI’s Chances of Q1 Earnings Beat Low
Our proven model does not conclusively predict an earnings beat for OppFi this time around. The combination of a positive Earnings ESP and a Zacks Rank #1 (Strong Buy), 2 (Buy) or 3 (Hold) increases the odds of an earnings beat. But that is not the case here. You can uncover the best stocks before they are reported with our Earnings ESP Filter.
OPFI has an Earnings ESP of 0.00% and sports a Zacks Rank of 1 at present. You can see the complete list of today’s Zacks #1 Rank stocks here.
Growing Underbanked Customers to Have Been OPFI’s Drivers in Q4
OppFi’s strategy to capture the market share is based on its ability to offer affordable credit to underbanked customers. This market is expected to expand, seeing a 13% CAGR, and hit the $7-trillion mark by 2032. An expansive market is anticipated to have benefited OPFI’s top line as the customer base widens.
The company grabs the opportunity to provide credit to subprime and non-prime credit holders that are often ignored by traditional financial institutions due to high risks and strict capital requirements.
OPFI’s Stock Looks Cheap
OppFi shares have skyrocketed 245.3% in a year. It has outperformed the 21.7% rally of its industry and the 10.7% rise of the Zacks S&P 500 composite. It has also outperformed its industry peers, Corpay, Inc. CPAY and EVERTEC, Inc. EVTC. CPAY has gained 7.9%, while EVTC has fallen 4.9% over the same period.
One-Year Price Performance
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The OPFI stock is looking cheap and is currently trading at a trailing 12-month price-to-earnings ratio of 8.70, lower than the industry's 22.84. The stock in question is trading cheaper than Corpay and Evertec as well. CPAY and EVTC are trading at a trailing 12-month price-to-earnings ratio of 14.53 and 9.86, respectively.