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OppFi Shifts to Deposit-Funded Model with BNCC Acquisition

OppFi shifts to deposit-funded model via BNCC acquisition, driving record revenue and EPS growth. Stonegate Capital Partners updates coverage on NYSE: OPFI.

This news matters because OppFi's strategic shift to a deposit-funded model through the BNCC acquisition could set a precedent for fintech lenders seeking stability amid economic uncertainty. For consumers, it may mean more accessible credit products as OppFi expands its offerings. For investors, the expected EPS accretion and national expansion signal potential long-term value, while the company's credit discipline suggests a focus on sustainability over risky growth.