Northland Capmk Has Positive Forecast for OppFi Q3 Earnings

Key Points

• Northland Capital Markets raised their Q3 2025 EPS estimate for OppFi to $0.32, up from $0.30, and projected total FY2025 earnings of $1.42 EPS.
• In their latest earnings report, OppFi exceeded analysts' expectations by earning $0.45 EPS on revenue of $142.44 million, surpassing predictions of $141.19 million.
• Insider selling has been notable, with directors selling over 1 million shares in recent months, contributing to a significant decrease in their ownership stakes.

OppFi Inc. (NYSE:OPFI - Free Report) - Equities research analysts at Northland Capmk raised their Q3 2025 earnings per share estimates for shares of OppFi in a research note issued to investors on Wednesday, August 6th. Northland Capmk analyst M. Grondahl now expects that the company will post earnings per share of $0.32 for the quarter, up from their prior estimate of $0.30. The consensus estimate for OppFi's current full-year earnings is $0.86 per share. Northland Capmk also issued estimates for OppFi's Q4 2025 earnings at $0.27 EPS, FY2025 earnings at $1.42 EPS, Q1 2026 earnings at $0.36 EPS, Q2 2026 earnings at $0.36 EPS, Q4 2026 earnings at $0.39 EPS and FY2026 earnings at $1.50 EPS.

Several other equities analysts have also commented on OPFI. JMP Securities raised OppFi from a "market perform" rating to a "market outperform" rating and set a $13.50 price target on the stock in a research report on Thursday, May 8th. Stephens assumed coverage on shares of OppFi in a report on Thursday, June 12th. They issued an "equal weight" rating and a $14.50 price objective on the stock. Finally, Citizens Jmp upgraded shares of OppFi from a "market perform" rating to an "outperform" rating and set a $13.50 price objective on the stock in a report on Thursday, May 8th.

OppFi Stock Up 4.3%

Shares of NYSE OPFI traded up $0.45 during midday trading on Friday, hitting $10.80. The stock had a trading volume of 1,397,630 shares, compared to its average volume of 1,213,775. The company has a fifty day moving average price of $12.51 and a 200 day moving average price of $11.41. The company has a market capitalization of $937.55 million, a price-to-earnings ratio of -8.24 and a beta of 1.71. OppFi has a 1-year low of $3.93 and a 1-year high of $17.73.

OppFi (NYSE:OPFI - Get Free Report) last issued its quarterly earnings results on Wednesday, August 6th. The company reported $0.45 earnings per share (EPS) for the quarter, topping analysts' consensus estimates of $0.30 by $0.15. The firm had revenue of $142.44 million for the quarter, compared to analyst estimates of $141.19 million. OppFi had a positive return on equity of 53.08% and a negative net margin of 6.04%.

Insider Transactions at OppFi

In other news, insider Christopher J. Mckay sold 9,030 shares of the business's stock in a transaction on Wednesday, July 2nd. The shares were sold at an average price of $13.41, for a total transaction of $121,092.30. Following the completion of the transaction, the insider owned 185,366 shares of the company's stock, valued at approximately $2,485,758.06. The trade was a 4.65% decrease in their ownership of the stock. The sale was disclosed in a legal filing with the SEC, which can be accessed through the SEC website. Also, Director Theodore G. Schwartz sold 128,188 shares of the company's stock in a transaction dated Monday, July 14th. The stock was sold at an average price of $12.05, for a total transaction of $1,544,665.40. Following the transaction, the director owned 199,644 shares of the company's stock, valued at $2,405,710.20. This represents a 39.10% decrease in their position. The disclosure for this sale can be found here. Insiders have sold a total of 1,240,080 shares of company stock valued at $15,334,334 over the last 90 days. Insiders own 72.00% of the company's stock.

Institutional Inflows and Outflows

Institutional investors and hedge funds have recently modified their holdings of the business. Raymond James Financial Inc. bought a new position in OppFi during the fourth quarter valued at about $228,000. American Century Companies Inc. boosted its stake in OppFi by 30.8% during the fourth quarter. American Century Companies Inc. now owns 33,846 shares of the company's stock valued at $259,000 after buying an additional 7,974 shares in the last quarter. JPMorgan Chase & Co. boosted its stake in OppFi by 272.6% during the fourth quarter. JPMorgan Chase & Co. now owns 136,308 shares of the company's stock valued at $1,044,000 after buying an additional 99,723 shares in the last quarter. Arrowstreet Capital Limited Partnership boosted its stake in OppFi by 153.7% during the fourth quarter. Arrowstreet Capital Limited Partnership now owns 90,865 shares of the company's stock valued at $696,000 after buying an additional 55,056 shares in the last quarter. Finally, Geode Capital Management LLC lifted its holdings in shares of OppFi by 2.8% during the fourth quarter. Geode Capital Management LLC now owns 412,361 shares of the company's stock valued at $3,160,000 after purchasing an additional 11,239 shares during the last quarter. Institutional investors own 7.10% of the company's stock.

About OppFi

OppFi Inc operates a cialty finance platform that allows banks to offer credit access. Its platform facilitates the OppLoans, an installment loan product; SalaryTap, a payroll deduction secured installment loan product; and OppFi Card, a credit card product. OppFi Inc was founded in 2012 and is headquartered in Chicago, Illinois.