Dividend Power Score
A single, comprehensive score designed to measure the true strength of a company’s dividend.
This score combines three essential pillars of dividend quality:
Consistency – Measures how reliable the dividend has been over time, focusing on payment history, stability, and the absence of cuts or suspensions.
Payability – Assesses the company’s financial ability to sustain its dividend, taking into account cash flow, earnings coverage, balance sheet strength, and overall financial health.
Growth – Evaluates the long-term growth of both the dividend and the company’s share price, highlighting businesses that consistently increase payouts while creating shareholder value.
Higher scores identify companies that have historically delivered dependable income alongside sustained dividend growth and long-term capital appreciation.
Company Overview
OppFi Inc. is a publicly traded financial technology company that operates in the consumer lending and financial services technology industries. The company focuses on providing credit access to non-prime and near-prime consumers who are often underserved by traditional banks. OppFi’s core offering centers on digital installment loan products delivered through a proprietary underwriting, servicing, and analytics platform, with revenue primarily generated from interest income, servicing fees, and technology platform fees.
Founded in 2012 as a division of Opportunity Financial, LLC, OppFi evolved from a payday-loan alternative provider into a scaled fintech platform emphasizing installment-based credit products with structured repayment terms. The company went public in 2021 through a merger with a special purpose acquisition company (SPAC) and now trades on the New York Stock Exchange under the ticker OPFI. Its strategic positioning emphasizes data-driven underwriting, regulatory-compliant bank partnerships, and a fully digital customer acquisition and servicing model.
Business Operations
OppFi operates primarily through two reportable business segments: OppLoans and OppFi Platform. OppLoans is the company’s primary revenue driver and offers small-dollar, short-term installment loans to consumers via partnerships with FDIC-insured banks. OppFi does not operate as a bank; instead, it provides technology, marketing, servicing, and analytics while its bank partners originate the loans, which OppFi subsequently services.
The OppFi Platform segment provides end-to-end technology solutions, including underwriting algorithms, compliance infrastructure, and loan servicing capabilities, to third-party financial institutions. Operations are largely domestic, with substantially all revenue derived from the United States. OppFi controls proprietary credit models, customer acquisition technology, and servicing systems, which form the backbone of its operating infrastructure. The company operates through subsidiaries including OppFi Lending LLC and maintains contractual relationships with multiple bank partners rather than equity joint ventures.
Strategic Position & Investments
OppFi’s strategic direction centers on responsible expansion of credit access while maintaining regulatory alignment and improving unit economics through technology optimization. Growth initiatives include expanding its addressable market through product diversification, improving underwriting precision using machine learning models, and increasing repeat customer engagement. The company has emphasized scaling its OppFi Platform capabilities to serve additional financial institutions as a technology and servicing provider.
OppFi has pursued selective acquisitions and investments aligned with fintech enablement and credit infrastructure, though public disclosures indicate a disciplined approach rather than aggressive M&A. The company continues to invest in automation, compliance technology, and risk analytics to enhance margins and support long-term scalability. Emerging focus areas include enhanced credit decisioning tools and potential expansion into adjacent consumer financial products, though disclosures note that some initiatives remain exploratory.
Geographic Footprint
OppFi’s operations are primarily concentrated in the United States, where it serves customers across a broad range of states subject to varying regulatory frameworks. The company is headquartered in Chicago, Illinois, which functions as its central hub for executive leadership, technology development, and corporate operations.
While OppFi does not currently maintain significant international lending operations, its technology platform and analytics capabilities are designed to be scalable beyond domestic markets. Public disclosures indicate that any international expansion remains limited, with the company’s operational and revenue exposure overwhelmingly tied to the U.S. consumer credit market.
Leadership & Governance
OppFi is led by an executive team with experience in fintech, consumer lending, and regulated financial services. Leadership emphasizes a strategy focused on technology-enabled credit access, regulatory compliance, and disciplined growth. The company operates under a board-governed structure consistent with public company standards and is subject to oversight under SEC filings including annual and quarterly reports.
Key executives include:
- Jared Kaplan – Chief Executive Officer
- Todd Schwartz – President and Chief Financial Officer
- Jason Ragusa – Chief Operating Officer
- Michael Berman – Chief Credit Officer
- Pamela Johnson – Chief Legal and Compliance Officer
The leadership team’s stated philosophy centers on balancing profitability with consumer protection, leveraging data-driven decision-making, and maintaining long-term relationships with bank partners and regulators.