OppFi Inc. and Nu Holdings Ltd. are fintech companies specializing in consumer lending for underserved populations. Both stocks were analyzed to determine which offers the most upside. OppFi had a strong third quarter in 2025, with $155.1 million in revenues and a 13.5% year-over-year growth. Their adjusted net income improved by 41.4%. Nu Holdings had a robust third quarter with a 39% year-over-year revenue increase and added 4.3 million new customers.

OppFi is trading at a forward earnings multiple of 5.68 times, lower than its 12-month median of 6.91 times. Nu Holdings’ forward earnings multiple is 20.76 times, slightly higher than its median of 20.71. OppFi trades significantly cheaper than Nu Holdings. Both companies are compelling fintech players, but OppFi may offer better upside due to its discounted valuation compared to Nu.

The Zacks Consensus Estimate for OppFi’s 2025 sales and EPS shows year-over-year growth of 13.6% and 65.3%, respectively. Two estimates for 2025 have increased in the past 60 days. The Zacks Consensus Estimate for Nu’s 2025 sales and EPS indicates a year-over-year increase of 35.9% and 31.1%, respectively. Two estimates for 2025 have moved north in the past 60 days.

OppFi’s Model 6 and credit risk mitigation tactics have shown positive results, with management raising 2025 guidance for the top and bottom line. Nu Holdings’ ability to draw in more customers positions it well as a leading digital bank in Latin America. Their business model operates on a low-cost platform, deepening customer engagement and expanding monetization.

Read more at Nasdaq: Nu vs. OppFi: Which Fintech Lender Offers Better Upside Now?