OppFi

OPFI

Market cap $297M

EVTC, ENVA, LC, OPFI and BFH are five mid-cap fintech names spotlighted after the Fed's rate cut as lower rates boost innovation and growth prospects across the sector.

OPFI and RNR made it to the Zacks Rank #1 (Strong Buy) value stocks list on December 9, 2025.

FIGS, MDB, KMT, EVER and OPFI have been added to the Zacks Rank #1 (Strong Buy) List on December 9th, 2025.

OppFi is undervalued despite strong growth, earnings beats, and raised guidance, with shares trading at just 6.5x 2025 expected earnings. OPFI's tech-driven lending platform drives efficiency, with 79% of applicants approved automatically and nearly half of new loans to first-time customers. Regulatory risk, especially from California's AB 539, and credit quality remain key concerns, but OPFI's risk management and improved underwriting bolster confidence.

OPFI's YTD jump, efficiency gains and repeated guidance hikes sharpen its appeal for value-focused investors.

OPFI's tech-driven automation cuts costs and lifts Q3 profitability, with rising approvals powering stronger full-year income guidance.

The average of price targets set by Wall Street analysts indicates a potential upside of 48.6% in OppFi (OPFI). While the effectiveness of this highly sought-after metric is questionable, the positive trend in earnings estimate revisions might translate into an upside in the stock.

OPFI and NU post strong Q3 gains, with rising demand, sharper profitability and expanding credit driving the fintech face-off.

OPFI's rising originations lift revenues, while shifting credit metrics and a higher income outlook sharpen focus on loan quality.

LOCO, OPFI, EIX, SCSC and ZION stand out with attractive EV-to-EBITDA ratios and strong earnings outlooks.