OppFi Inc.
OPFI
NYSE·Financial Services·Financial - Credit Services·Mkt cap $633.6M
$7.42
▲ +1.37%
P/E
3.31
Mkt Cap
$633.6M
52-Wk Range
$6.50–$12.45
52-Week Range
$6.50 - $12.45
P/E
Fwd P/E
Beta
Div Yield
Avg Vol
Shares Out
Mkt Cap
Price action
Price chart
Down 29.1% over the trailing year
Total returns
Price performance
Total return across standard periods - splits & dividends adjusted by FMP. Periods longer than 1Y show annualized in the tooltip.
Why we rate it this way
The thesis at a glance
Bull and bear case · plain-English context across the five lenses we evaluate.
Bull Case
4 reasons
- Advanced data analytics technology
- Flexible lending model
- Proprietary risk assessment algorithms
- Digital-first customer experience
Bear Case
1 risk
- Above-average volatility (beta 1.8).
Growth
Moderate growth ahead
Expanding underserved consumer credit market
Value
Deep value opportunity - significant discount to Enterprise SaaS peers
Momentum
Weak
-5.4% over 3m
Quality
Excellent
Strong fundamentals
Dividend
None
No dividend
Smart-money signal
Who's buying OPFI right now
Insider Form 4s, 13F institutional filings, and Congressional disclosures - at a glance.
Earnings track record
Recent earnings results
AI-summarized recap of last quarter, plus the surprise on every print.
Next: Nov 4, 2026
AUG 10, 2026
Reported EPS of $0.33 vs $0.45 consensus (-25.8% surprise). Revenue of $145.2M vs $155.9M expected (-6.9%).
EPS surprise · last 4Q
0 of 1 beats
Estimate
Actual
Q3 26
-25.8%
Revenue trend · last 8Q
—
+2%
+10%
+13%
+14%
+17%
+8%
-40%
Q3 24
Q4 24
Q1 25
Q2 25
Q3 25
Q4 25
Q1 26
Q2 26
$136.6M
$135.7M
$140.3M
$142.4M
$155.1M
$159.3M
$151.9M
$86.2M
Margins · last 8Q
Gross
80.0%
Operating
28.3%
Profit
17.2%
Wall Street consensus
4 analysts · 50% Buy
Live ratings and price targets aggregated across covering analysts.
Buy
50%
Hold
50%
Sell
0%
Median Price Target
—
Latest: Piper Sandler · Aug 26, 2026
vs Industry
How OPFI stacks vs Financial - Credit Services
Stock metrics vs industry averages. Green = better than industry.
Industry comparison data unavailable for this stock.
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