4 Undervalued Consumer Finance Stocks for Thursday, July 09
Discover the top 4 undervalued Consumer Finance stocks for Thursday, July 09 based on AAII’s Stock Grades.Jenna Brashear
A+ Stock Grade Summary:
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COMPANY SUMMARY
OppFi Inc., a tech-enabled digital finance platform, provides financial products and services for banks in the United States. The company offers installment loans through OppLoans platform. It serves consumers who are turned away by mainstream options. OppFi Inc. was founded in 2012 and is based in Chicago, Illinois.
Commentary & Analysis
Why OppFi Inc.’s (OPFI) Stock Is Up 5.57%
As of Thursday, June 25, OppFi Inc.’s OPFI share price has surged by 5.57%, which has investors questioning if this is right time to sell.Michael Rose
Why OppFi Inc.’s (OPFI) Stock Is Up 5.99%
As of Tuesday, June 09, OppFi Inc.’s OPFI share price has surged by 5.99%, which has investors questioning if this is right time to sell.Jenna Brashear
5 Undervalued Consumer Finance Stocks for Friday, June 05
Discover the top 5 undervalued Consumer Finance stocks for Friday, June 05 based on AAII’s Stock Grades.Tudor Pop
Why OppFi Inc.’s (OPFI) Stock Is Down 6.07%
As of Friday, May 08, OppFi Inc.’s OPFI share price has dipped by 6.07%, which has investors questioning if this is right time to buy.Rosalio Madrigal
Financial Summary
| Share Statistics | OPFI | Industry Median |
Percentile (All Stocks) |
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| Market Cap (Mil) | $800.1 | $1,153.3 | 43% |
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| Shares Out (Mil) | 86.2 | 36.1 | 59% |
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| Institutional Ownership | 78.4% | 79.0% | 48% |
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| Float (Mil) | 33.8 | 32.7 | 39% |
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| Beta | 1.87 | 1.06 | 90% |
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| Avg Daily Volume (000s) | 461 | 364 | 58% |
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| Price Change (52-week) |
(12.4%) | 77.7% | 36% |
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| Growth | OPFI | Industry Median |
Percentile (All Stocks) |
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| Sales (5yr) | 12.7% | 7.7% | 67% |
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| Net Income (5yr) | (19.4%) | 12.6% | 20% |
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| EPS (5yr) | na | 17.1% | na |
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| Dividends (5yr) | 0.0% | 0.0% | 0% |
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| Cash Flow (5yr) | na | (2.8%) | na |
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| Estimates | Qtrly | Current Fiscal Year |
Next Fiscal Year |
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| # of Estimates | 4 | 4 | 4 | |
| Current EPS | $0.445 | $1.790 | $2.195 | |
| Month Ago EPS | $0.445 | $1.790 | $2.195 | |
| # Rev Up | 2 | 2 | 1 | |
| # Rev Down | 0 | 0 | 0 | |
| Three Months Ago EPS | $0.465 | $1.795 | $2.137 | |
| Year/Year Chg | (20.0%) | 80.8% | 193.9% | |
| Financials | OPFI | Industry Median |
Percentile (All Stocks) |
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| Sales (TTM) (Mil) | $340 | $1,086 | 37% |
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| Net Income (TTM) (Mil) | $66 | $147 | 57% |
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| EPS (TTM) | $2.423 | $1.600 | 75% |
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| Operating Cash Flow (TTM) (Mil) | $408 | $231 | 69% |
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| Net Cash Flow (TTM) (Mil) | $9 | $6 | 57% |
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| Long-Term Debt (Q1) (Mil) | $239 | $808 | 52% |
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| Enterprise Value (Q1) (Mil) | na | $1,297 | na |
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| Valuation | OPFI | Industry Median |
Percentile (All Stocks) |
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| P/B | 3.28 | 1.44 | 68% |
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| P/E | 4.6 | 9.2 | 4% |
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| Dividend Yield | 0.0% | 0.0% | 0% |
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| PEG (5yr hist) | na | 0.5 | na |
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| Ratios | OPFI | Industry Median |
Percentile (All Stocks) |
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| Gross Margin | 100.0% | 75.1% | 96% |
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| Net Margin | 19.4% | 14.6% | 78% |
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| ROA | 9.7% | 2.9% | 87% |
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| ROE | 134.6% | 14.6% | 97% |
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| Liabilities to Assets | 52.4% | 79.0% | 45% |
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| F-Score | 5 | 5 | 51% |
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Passing Stock Screens
As of 7/31/2026, from a list of 60 stock screening strategies,
FACTOR STRATEGY
Fundamental Rule of Thumb Screen
Factors: Value
An old value screen combining the P/E ratio, dividend yield, and an adjusted return on equity that's still applicable in today's market.
| Performance Since Inception: | 6.6% |
| +/- S&P 500: | -0.9 |
