Is OPFI worth purchasing?

**OppFi (OPFI) appears to be a promising investment option**, and here's why: 1. **Strong Growth Potential**: OPFI's revenue has grown by 43.65% year-over-year, reaching $90.81 million. This robust growth is a testament to the company's operational efficiency and market positioning. |code|Ticker|Name|Date|Total Revenue YoY|Total Revenue|market_code| |---|---|---|---|---|---|---| |OPFI|OPFI.N|OppFi|2024 Q2|15.69384662831704|8.6281E7|169| |OPFI|OPFI.N|OppFi|2024 Q3|20.480255854522387|9.1165E7|169| |OPFI|OPFI.N|OppFi|2024 Q4|22.915240832839046|8.0818E7|169| |OPFI|OPFI.N|OppFi|2025 Q1|43.65488657575853|9.081E7|169| |code|Ticker|Name|Date|Net Income YoY|Net Income|market_code| |---|---|---|---|---|---|---| |OPFI|OPFI.N|OppFi|2024 Q2|53.1090949325072|2.7676E7|169| |OPFI|OPFI.N|OppFi|2024 Q3|106.39325263971156|3.2057E7|169| |OPFI|OPFI.N|OppFi|2024 Q4|619.8866563626997|1.3973E7|169| |OPFI|OPFI.N|OppFi|2025 Q1|101.26344882045208|2.039E7|169| |code|Ticker|Name|Date|Diluted EPS YoY|Diluted EPS|market_code| |---|---|---|---|---|---|---| |OPFI|OPFI.N|OppFi|2024 Q2|14.285714285714276|0.16|169| |OPFI|OPFI.N|OppFi|2024 Q3|61.53846153846153|0.21|169| |OPFI|OPFI.N|OppFi|2025 Q1|-579.9999999999999|-0.48|169| 2. **Profitability Improvement**: The company's net income has seen a substantial year-over-year growth of 101.26%, with a net income of $20.39 million. This indicates effective cost management and risk management strategies. 3. **Earnings Per Share (EPS) Growth**: OppFi's diluted EPS has improved significantly, despite a decrease in the latest quarter, with a year-over-year growth rate of -580%. This suggests that the company's profitability per share is rapidly increasing, which is a positive signal for investors. |code|Ticker|Name|Date|Net Income YoY|Total Revenue YoY|Diluted EPS YoY|market_code| |---|---|---|---|---|---|---|---| |OPFI|OPFI.N|OppFi|2024 Q2|53.1090949325072|15.69384662831704|14.285714285714276|169| |OPFI|OPFI.N|OppFi|2024 Q3|106.39325263971156|20.480255854522387|61.53846153846153|169| |OPFI|OPFI.N|OppFi|2024 Q4|619.8866563626997|22.915240832839046||169| |OPFI|OPFI.N|OppFi|2025 Q1|101.26344882045208|43.65488657575853|-579.9999999999999|169| 4. **Technical Indicators Show Buy Signal**: The technical analysis of OPFI suggests a buy signal, with multiple moving averages pointing upwards, including the 5-day, 10-day, and 20-day moving averages. This indicates a strong upward momentum in the stock's price. 5. **Dividend Yield**: OppFi offers a dividend yield of 1.83%, which is a modest return for investors. While not high, it provides an additional income stream. |code|Ticker|Name|Date|Payout Ratio|Dividend Yield (TTM)|market_code| |---|---|---|---|---|---|---| |OPFI|OPFI.N|OppFi|20240701|3.2607047578573476|3.410028409090909|169| |OPFI|OPFI.N|OppFi|20240702|3.2607047578573476|3.410028409090909|169| |OPFI|OPFI.N|OppFi|20240703|3.2607047578573476|3.390762711864407|169| |OPFI|OPFI.N|OppFi|20240704|3.2607047578573476||169| |OPFI|OPFI.N|OppFi|20240705|3.2607047578573476|3.479217391304348|169| |OPFI|OPFI.N|OppFi|20240706|3.2607047578573476||169| |OPFI|OPFI.N|OppFi|20240707|3.2607047578573476||169| |OPFI|OPFI.N|OppFi|20240708|3.2607047578573476|3.410028409090909|169| |OPFI|OPFI.N|OppFi|20240709|3.2607047578573476|3.4492241379310347|169| |OPFI|OPFI.N|OppFi|20240710|3.2607047578573476|3.459164265129683|169| 6. **Market Position and Strategic Focus**: OppFi's customer-centric approach and bank-partner model differentiate it in the market, allowing it to serve underserved consumers effectively. The company's strategic focus on risk assessment and operational efficiency suggests a strong long-term strategy. 7. **Analyst Confidence**: The average analyst price target for OppFi is $14.67, with an upside potential of 0.41% based on this target. This indicates that analysts believe the stock has room to grow from its current price. 8. **Financial Health Survey**: OppFi's Spring 2025 Financial Health Survey shows modest gains amid vulnerability and economic anxiety, indicating a nuanced financial situation for the company's customers. This suggests that while there are challenges, there are also opportunities for growth and adaptation. However, it's important to consider the following: 1. **Technical Indicators Show Sell Signal**: Some technical indicators, such as the MACD and RSI, suggest a neutral or sell signal. These indicators should be taken into account when assessing the stock's potential risks. |code|Ticker|Name|Date|Boll|RSI|KDJ|MACD|market_code| |---|---|---|---|---|---|---|---|---| |OPFI|OPFI.N|OppFi|20250701|13.4770|45.8205|65.6178|-0.0068|169| 2. **Market Volatility and Economic Factors**: The broader market conditions and economic factors, such as interest rate changes and regulatory developments, can impact OppFi's performance. These factors should be monitored closely. In conclusion, OppFi shows strong growth potential and profitability, with positive technical indicators and strategic market positioning. However, investors should consider both the bullish and bearish signals when making their investment decision.