OppFi Trades Cheaper Than Its Peers: Is This a Potential Value Play?

OppFi OPFI presents a “value play” case, banking on its lofty financial performance and upbeat outlook. The company is currently trading at a 12-month forward price-to-earnings ratio of 6.35, significantly below its peers, Paysign’s PAYS 10.96 and DLocal Limited’s DLO 17.31.P/E - F12M Image Source: Zacks Investment Research OPFI’s valuation is grounded in its record-breaking performance. In the third quarter of 2025, it raised its adjusted net income guidance for 2025 to $137-$142 million from the $125-$130 million view presented in the preceding quarter. This led to a significant hike in its adjusted EPS outlook to $1.54-$1.6 from the previous quarter’s view of $1.39-$1.44. This lofty expectation was underpinned by a 79.1% year-over-year surge in auto approval rates, which improved operating efficiency.The value play case becomes more compelling as OppFi secured a $150-million revolving credit facility with Castlelake, which reduced the interest rate from a secured overnight financing rate (SOFR) of 7.5% to 6%. On the credit risk mitigation front, the company registered a 11.2% year-over-year decline in net charge-offs as a percentage of total revenues as of the nine months ended Sept. 30, 2025. It highlights the success of OPFI’s Model 6.1 in assessing credit quality.OppFi holds a strong liquidity position, as evidenced by a current ratio of 1.76 in the third quarter of 2025. It is further enhanced by its times interest earned of 4.2, increasing from the preceding quarter’s 3, suggesting efficient interest payments. It positions the company to invest heavily without facing the fear of insolvency, which is a waving green flag for investors, presenting OPFI as a high-growth oriented stock.OPFI’s Price Performance & EstimatesThe OppFi stock has risen 41.4% in the past year against the 6.5% dip in its industry. The stock has underperformed Paysign’s 70.5% surge, while beating DLocal Limited’s 32.9% rise during the same timeframe.1-Year Share Price Performance Image Source: Zacks Investment Research OppFi has a Value Score of A, while Paysign and DLocal Limited carry a Value Score of C.The Zacks Consensus Estimate for OppFi’s earnings per share for 2025 and 2026 has been unchanged at $1.57 and $1.71, respectively, over the past 60 days. Image Source: Zacks Investment Research OPFI currently has a Zacks Rank #3 (Hold). You can see the complete list of today’s Zacks #1 (Strong Buy) Rank stocks here.Zacks Naming Top 10 Stocks for 2026Want to be tipped off early to our 10 top picks for the entirety of 2026? History suggests their performance could be sensational.From 2012 (when our Director of Research Sheraz Mian assumed responsibility for the portfolio) through November, 2025, the Zacks Top 10 Stocks gained +2,530.8%, more than QUADRUPLING the S&P 500’s +570.3%.Now Sheraz is combing through 4,400 companies to handpick the best 10 tickers to buy and hold in 2026. Don’t miss your chance to get in on these stocks when they’re released on January 5. Be First to New Top 10 Stocks >>Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report Paysign, Inc. (PAYS): Free Stock Analysis Report DLocal Limited (DLO): Free Stock Analysis Report OppFi Inc. (OPFI): Free Stock Analysis ReportThis article originally published on Zacks Investment Research (zacks.com).Zacks Investment ResearchWeiter zum vollständigen Artikel bei Zacks Weiter zum vollständigen Artikel bei Zacks